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First of all, what is a black online loan?
Black online lending is a kind of illegal lending, with extremely high interest rate, serious beheading, accompanied by bait and other means, and it is a kind of gray online lending.
Give a simple example. For example, the borrower is in urgent need of money and borrows 2,000 yuan from an informal online lending platform, and actually receives more than 2,500 yuan from 1600. And the deadline is extremely short, 7- 14 days, and he will be fined 1000 yuan for one day overdue. This unwarranted fine and extremely high interest and beheading interest.
The introduction and marketing of this kind of black online loan is very attractive, with high quota, fast loan, simple operation procedures such as mobile phone number and overwhelming introduction. There is also a kind of online loan lender who can't see the interest rate of online loan when applying, and can't see whether to charge beheading interest. When it shows that the loan is being paid or the loan funds have been paid, it will show the actual number of loans that have been paid and will be returned. There is an unwritten rule in the online lending industry that once a loan is made to the lender's bank card, no matter how much it is, it cannot be revoked. This is also the place where black online loans are deceiving. This kind of loan is also called conventional loan. And this kind of loan makes most lenders unable to pay in the short term and fall into debt crisis.
When the level of private lending is uneven and chaotic, many informal P2P online loans are also suspected of black online loans, and phenomena such as high interest rates, beheading and violent collection frequently appear.
For this kind of black online loan or routine online loan, the best way is to help them safeguard their loan rights and obligations by legal means.
Secondly, when choosing online loans, lenders must choose formal online lending platforms, well-known online lending platforms that everyone is using and trusting, online lending platforms of some small institutions, and many platforms that lend by chatting and texting. Don't apply for online loans easily.
Black online loans are generally active in remote areas, similar to forums, post bars, and circle of friends. , and most of them are loans, and the weekly interest rate is between 20% and 30% z, that is to say, the loan is 1 0,000 yuan. Actually, when it comes to 800-700 yuan, the repayment needs to be around 1 654,38+0,000 yuan, and some are even more exaggerated. Moreover, after the black online loan is overdue, it is prone to intimidation and violent collection. Some informal P2P online loans among the people are suspected of being illegal online loans, which are prone to occur. The correct way to treat such illegal online loans is to call the police or go through legal procedures. Never try to fight violence or run away by yourself, otherwise the consequences will be more serious.