No more online loans [tears] [tears] interest is too high, and it feels bad after careful calculation. Most of the basic monthly repayment is interest and service fee, and no time is given after the deadline. Just say the time of the "collection" day, that is, the time promised by the debtor, and don't listen to the debtor at all.
Speaking of online lending is a sensitive word for most people, I personally have hundreds of thousands of online loans. Can online loans still be loaned now? You can borrow money, preferably a formal platform, and you can be in an emergency when you need it urgently. But before the loan, you should also take your own income as the standard.
First of all, if you are spending normally, it is ok to borrow money according to your own ability. As long as it doesn't cost too much, there is no problem and it won't be overdue.
According to their own needs, reasonable loans, formal online lending platform loans, there is nothing to dare.
When many people mention online loans, they will think of things like violent collection of black online loans and even family destruction, because such things have been broadcast on the news.
Many online loan products in the market seem to have low interest rates, but in fact they add hidden service fees, guarantee fees, withdrawal fees and other expenses, and even illegal usury. This is why I don't use these online loans.
In fact, many online loans can still be used, and I have used them. Let's popularize it here.
In fact, not all online loans are like this.
In addition to China UnionPay, our country also has a China network, which consists of ten Internet finance companies in China: Sesame Credit, Tencent Credit, Koala Finance, Baidu 360 and so on. These companies are clearly marked, there is no extra charge, and there is no routine.
Many people may worry, what will happen once the funds are tight and overdue? Then Lao Yang clearly tells you here: face it positively and don't run away.
You must answer the collect call.
Call the contact person if you don't answer it, because when you do online lending, the online lending platform has read the lender's mobile phone address book. Show your attitude, what caused the overdue, not malicious, but not for the time being, and deal with it as soon as you have money.
Their rights and interests are also protected by law. In case of violent collection, telephone recording or video recording will fully collect evidence to safeguard their legitimate rights and interests.
The following situations are all violent collections.
1. There are more than 3 collection calls every day.
2. The phone will be answered between 2: 00 p.m. and 8: 00 a.m..
3. Bomb the borrower's mobile phone number with illegal software.
4. Calling friends in the address book without the borrower's permission and harassing them many times.
5. Threaten or threaten the borrower or friends in the address book through WeChat, SMS, etc.
6. Pretending to be police, lawyers and other state law enforcement personnel to intimidate borrowers.
7. Expose borrower information.
8. To collect money from the borrower's home or work unit, resulting in damage to the borrower's reputation.
9. Induce borrowers to borrow from other platforms for repayment.
10. The overdue fee is 24% and 36% higher than the annual interest rate stipulated by the People's Bank of China.
Where can I complain?
1, call the police
2. 1232 1 Network Bad and Spam Reporting Acceptance Center
3. Finance Office
Finally, Lao Yang suggested: rational consumption, rational investment, reasonable lending, bank loans or credit cards, there is no need for online loans.
I want to borrow money, but he won't give it. I became a super black household.