There are generally two channels for urgent money loans, one is bank loans, and the other is to apply for online loans. Although bank loans are highly secure, the threshold is relatively high, and it is difficult for ordinary people to approve them. In contrast, online loans are easier to apply for, so how do you apply for online loans? Here are some basic processes and precautions.
How to handle online loans?
First, choose a formal online lending platform.
There are many online lending platforms on the market. In order to avoid being routine, we should choose a formal platform.
Usually, formal online lending platforms are qualified to lend, that is, they hold financial licenses approved by the central bank, and the loan interest rates are generally within the scope of legal protection, and most of them will not exceed 24%. Moreover, no fees will be charged for any reason before lending, and the amount actually received by the borrower is the same as the loan amount.
If you really don't know which online lending platform to choose, you can refer to Xia360 IOUs, IOUs, JD.COM Gold Bars, Didi Lending and Xiaoman. , all have good strength, and they are also very famous in the Internet finance industry.
Second, prepare materials to prove that the loan is operated according to the process.
The online loan process is actually very simple, because most of them are credit loans, which can be handled directly online without mortgage guarantee. But the premise is to see if you are eligible for loans according to the requirements of the selected online lending platform. One is to see if your age is up to standard, the other is to have a stable work income, and the third is to have good personal credit.
If it is confirmed that it meets the requirements, you can borrow money through the official account of WeChat on the online loan platform or download the online loan APP. Generally, you should use the mobile phone number of the real-name registration system to register, and then improve your basic personal information according to the prompts. Then you have to upload the original ID card, bind the debit card to complete real-name authentication, and even perform face recognition.
The online loan platform system will give a loan amount according to the borrower's credit situation. The borrower applies for a loan within the loan amount, selects the loan amount, term and repayment method, and submits it. After being approved by the system, the borrower will repay the bank card provided by the borrower on time.
The above is the relevant introduction of "How to handle online loans", and I hope it will help everyone.
What is the process of online lending?
Nowadays, more and more loans can be obtained through the internet, and when they encounter an emergency, these online loans are even more magical, and they will even take the initiative to find you. Some formal online loans can be applied, but informal online loans should also pay special attention. So what is the formal process of online lending?
First, prepare relevant materials.
Since online loans are very similar to ordinary loans, it is necessary to prepare relevant materials and evidence that you can borrow so much money, so as to ensure that your loan can be obtained. Copies of identity cards, household registration books and related properties are essential. So when these materials are ready, what should I do to really get my own online loan?
Second, conduct relevant audits.
Generally, online loans will give a website, send their own materials to the website, and then write their own statements, so they can wait for the relevant managers to verify. If they are qualified enough to borrow so much money, they will pay. However, if their qualifications are not enough, then regular lenders will not continue to issue them, and they must sign certain contracts. The contract came into effect, which proved that their loan was effective. If it is not returned in time, it will bear legal responsibility. However, there is another situation. If it is an informal loan, there is no relevant law. If you don't pay back, you don't need to bear legal responsibility.
Third, distinguish between online loans.
Nowadays, college students often encounter some comparisons in college life. At this time, if they buy a lot of luxury goods because of a temporary comparison, and all the money borrowed through the Internet is squandered, then they really have to think about whether their online loan is feasible. Many people borrowed a lot of money through naked loans, but they couldn't afford it, and finally their families were ruined. This is a sad loan case. Therefore, we must distinguish between online loans, take formal online loans and make reasonable loans.
How is the p2p lending system developed?
P2p system development is mostly a P2P lending platform based on java language, which involves many functions such as system background and system front end. Among them, the software development process of p2p lending system mainly includes five steps, taking Dimon p2p lending system as an example, as follows:
Step 1: Define the goal and collect relevant information. The goal of building p2p peer-to-peer lending platform has been determined, and relevant information needs to be collected. For example, the construction of Dimon p2p lending platform, with powerful system functions, can support p2p, P2B, P2C, P2N and other business models, the user demand of P2P peer-to-peer lending system platform, the development prospect of lending system platform and so on. The purpose of collecting relevant information is: 1. Planning website: How to develop and produce p2p lending platform software, and what contents may be included. 2. User experience: understand the needs of users, and from the user's point of view, the experience will be better.
Step 2: Develop the p2p lending platform scheme development plan. At this stage, it is necessary to work out the manpower, material resources, expenses and time required for the development of the entire p2p lending platform, as well as the architecture diagram, modules and database production of the entire lending platform program. This step is more important, and it can get twice the result with half the effort.
Step 3: According to the plan, start to make a p2p lending platform system. Front page design, background programming, database table design and so on. All these require the joint efforts of the development and technical teams. The code should be serious, because in the development and production of p2p lending platform system, every bug may cause heavy losses, and every system loophole may cause hacker attacks. Therefore, every p2p lending platform development company must have a strong technical development team. In this step, careful unity is the most important.
Step 4: Test the lending platform program. This step is best tested by a professional testing team, provided that the testers are not involved in the production and development stage of p2p peer-to-peer lending platform. Testers can also let non-developers and testers test after the test. This is because the development of p2p online lending platform is more secure and the user experience will be better.
Step 5: Upload and maintain. After the p2p lending platform is made, it can be uploaded to the Internet, and the maintenance of the website is more important. At the same time, the Internet is constantly improving and updating, so the secondary development of p2p lending system is also very important. In the first development stage, remember not to write the code to death, otherwise the second development will be very difficult.
How to borrow online loans and where to apply?
If you have a card of China Merchants Bank, China Merchants Bank has a lightning loan business. You can log in to the mobile banking APP of China Merchants Bank and click "My → All → Loan" to try to apply or inquire whether you meet the application conditions (whether you can get the quota or not depends on the system evaluation results).
Basic conditions for lightning loan application:
1, with China Merchants Bank card;
2. The age of the lender is generally between 23 and 60 years old, and the age plus the loan period is generally not more than 60 years old;
3, have the ability to repay the loan on time, no illegal behavior, good credit.
Tips:
1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.
2. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 200,000, which is subject to the loan page. The minimum amount of a single withdrawal is 1000, and the maximum amount does not exceed the limit, and it must be an integer multiple of 100.
3. There are two ways to apply for a loan within the lightning loan limit:
(1)15min lending: automatic lending within 5 5- 10/0min, and lending immediately after lending is approved, with SMS notification.
(2) Lending on t 1 day: verify by phone within t1day, and arrange lending after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.
4. When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.