Not everyone is an intermediary, because some are customer service of microfinance companies, and their own companies lend themselves, so some really have no handling fees.

When we apply for a loan, whether we are friends or intermediaries, we must keep in mind the following points, make clear the object of the loan contract, and carefully check the contract, especially who Party A and Party B are. Intermediaries usually sign intermediary agreements instead of loan amount contracts.

Loan products with low annual interest rate should be bank products, but there are few products with annual interest rate of 3%, which should be annual interest rate, not real annual interest rate. This is also what we must be clear about. If you can't go to the bank counter, you should go to the door.

We need to ask the other party to show relevant documents to confirm that there will be no prepayment fee for the loan under normal circumstances. Of course, the expenses that need to be prepared in the early stage are listed separately, so once the expenses need to be paid in advance, you need to be cautious.

Although China has promulgated many laws and regulations to protect debtors' rights and interests, in reality, many of our debtors are still threatened by collectors, such as "calling relatives and friends not to pay back the money".

Don't go without signing offline. This mainly depends on whether the other party will report the application record to the People's Bank for credit investigation.

Tips: Peer-to-peer lending has certain risks, so please choose carefully. If you need funds, you can also handle them through our official channels. Ping An Bank launched unsecured credit loans, housing automobile mortgage and mortgage loans with different loan application conditions.