Even if the platform goes bankrupt, the borrower still needs to repay.

Important note:

1. For college students, no matter whether the loans of famous schools have closed down or not, don't borrow at will. If you really need funds, you can ask your parents and relatives for help. For students who can't afford to pay tuition fees, they can apply for national student loans or student loans.

2. Don't apply for online loans with basically no threshold in order to compare consumption. Some of these loans are very irregular, with extremely high interest rates and violent collection.

3. For students who have not repaid their loans after applying for a prestigious school loan, they can get in touch with the authoritative department and return the legal and compliant loan principal and interest, so as not to cause losses to their credit.

4. Everyone must be extra careful of strangers who call themselves "famous school loan staff" to avoid being cheated of property and personal privacy information.

Did Ai Xue Loan Company go bankrupt?

No, Aixue Loan only provides credit line consumption services for college students, graduate students and doctoral students. By June 5, 2022, 165438+ Ai Xue loan had not closed down. Ai Xue Loan is a consumer finance and installment service platform for college students, and it is the website of Hangzhou Ai Cai Network Technology Co., Ltd. ..

Has staged music closed down?

Staging music has not closed down and is still operating normally. If the installment music of the customer cannot be withdrawn, it is probably only for the following reasons:

1. The rest of the staged music is the shopping quota, which can only be used to buy physical objects, train tickets, air tickets, movie tickets, etc. , cannot be used to borrow cash.

2. The customer applies for a one-time withdrawal of all the quotas, and the withdrawal quota is too high. It is suggested that customers can try to refund part of the quota first, which may be successful.

Operating environment: Huawei nova4 10.0 1.38.

Staging Music is a financial credit product, which is a staged shopping mall for college students, focusing on providing staged shopping and cash consumption services for college students. You can use it to shop by stages, enjoy the experience of spending first and paying later, and because its audience is college students, you don't have to have a credit card, you can use it as long as you have a student ID card. The installment music merchant edition is aimed at merchants.

Special merchants of installment music refer to shops that can pay by installment music. On this platform, students don't need a credit card, but only need to pay with their student ID card after spending. Installment payment supports zero down payment, and the maximum monthly installment payment is 18 months, which greatly reduces students' monthly shopping expenses. Different from credit card installment payment, installment music charges a monthly service fee, and college students can repay in advance or even waive it, further reducing the consumption pressure of teenagers.

1. In order to solve the financing channels for young people to shop, Staging Music has also established in-depth cooperation with some first-line consumer P2P platforms. P2P is the most popular innovation model of Internet finance. It collects a small amount of money and uses it to provide loans to people with financial difficulties. In recent years, it has been favored by many netizens. Staging music provides high-quality digestion channels for financial partners. Shopping customers have low credit line, good reputation and controllable risks. They are usually welcomed by P2P platforms. Stage music is closely related to JD.COM. It's not surprising that installment music got investment from JD.COM.

2. Staging Music adopts the shopping center mode and acts as a distributor in JD.COM to sell goods to users. At the same time, relying on the advantages of JD.COM, do a good job in quality control and logistics. Now, installment music has become the largest distributor in JD.COM. The results show that the lowest daily interest rate is 0.049%, the lowest daily interest rate is 10000 yuan, and the daily interest rate is 4.9 yuan. This interest rate is not high, but the minimum repayment rate is not allowed. From the perspective of platform operation and platform qualification, installment music is still in normal operation and has the qualification of installment loan, which seems normal at present.

The loan platform closed down. Can I not pay the money I owe?

Hello, you borrowed money from the loan platform, and the loan platform closed down, so you have to pay back the money you owe. After all, you signed a loan contract and need to repay it on time according to the loan contract.

Not yet. What's the impact?

It has always been the most popular loan type in the loan industry, and it is sought after by consumers because of its low threshold, convenience and flexibility, and fast payment. For some people who are in urgent need of small money, he can really solve the urgent needs of the applicant in a short time, but this does not mean that the applicant can do whatever he wants after applying, and delay after the loan expires; Money has not been tight; If you don't pay your debts, the applicant will bear certain consequences!

1. Personal credit information is affected.

Penalty interest for owing money is only the first step, after which the applicant's personal credit will be affected. We all know that we attach great importance to the construction of credit system and are making great efforts to build credit. Credit information systems in various regions, departments and fields are gradually being implemented, and various disciplinary and incentive measures are constantly being improved and upgraded. Personal credit will play an increasingly important role in our future life.

If the applicant fails to repay the loan, it will leave a credit "stain" on the applicant's personal credit report, and further application for loans and credit cards will be blocked everywhere. In addition, some friends think it is good to find some small loan companies without credit information, so that others can't find their own credit information. For friends who have this idea, Bian Xiao wants to say that this is too natural.

At present, many financial institutions have access to the data of third-party credit reporting companies, and the applicant's loan data, shopping data, credit card repayment data and other information on other platforms can be easily retrieved. Once on the blacklist system of small loan companies, as long as one company refuses to lend, everyone will refuse to lend, and it is impossible to lend again in the future.

Step 2 collect frequently

There are three parts in loan collection: SMS, telephone and door-to-door. When you owe money in the early stage, the salesman of the small loan company will kindly remind you by text message or phone that it is time to pay back the money. However, in the later stage, if the small loan company repeatedly reminds you and urges you to pay back the money, the applicant is still indifferent, then they may take the form of letting the relatives and friends of the applicant know that you borrowed money from outside and never pay it back, which will damage the applicant's reputation.

In addition, some small loan companies will require borrowers to fill in at least a few close contacts when filling in loan information, such as the applicant's parents, relatives, friends and colleagues. Some need the authorization of the applicant to read the mobile phone address book and the communication records of the operator's online business hall. When the applicant fails to pay the money, not only you may be bombarded by telephone, but also the family and friends around the applicant may be harassed, which will seriously disrupt your life and that of your family.

3. Generate penalty interest and liquidated damages.

No matter where the applicant applies, he will sign the corresponding loan contract with the borrowing institution. Since he signed the contract, of course, he should act according to the contract and fulfill his repayment obligations. Once the contract expires and the applicant fails to repay the arrears, the first thing the applicant encounters is the penalty interest, and some institutions will also charge a certain amount of liquidated damages according to the contract. If the applicant still doesn't pay back the money, with the passage of time, the applicant's penalty interest will increase, and the pressure on the applicant to pay back the money will increase in the future!

In addition, if the applicant still doesn't pay back the money, then the collection staff may come to the door to collect the debt and go to the company where you work to collect the debt, so the applicant's job may be lost, and the loss outweighs the gain!

In addition, if the applicant has a very bad attitude in dunning and makes some hooliganism such as insulting and beating dunning, then you will ruin the room for discussion with the small loan company and push yourself to a dead end! Therefore, when the arrears are not repaid, the applicant should have a correct attitude and actively negotiate with the small loan company to solve the problem, so that it is possible to get a grace period.

Affected by the following factors

After a series of collection activities, if financial institutions find that the collection has been fruitless, they can file a lawsuit and recover the loan by legal means. During this period, the applicant may receive a reminder letter and an execution document. Once the judgment is completed, even if the applicant of 100 is unwilling, the repayment ruling must be executed, otherwise, the applicant's property will be inquired, frozen, sealed up, sealed up according to law or auctioned.

If the circumstances are serious, you may go to jail.

Generally speaking, owing money is still a civil issue. However, if the borrower refuses to implement the judgment and resolutely refuses to admit it after it is issued, it is another matter and criminal responsibility should be investigated. If the circumstances are serious, you are likely to go to jail. If things come to this, it would be a tragedy.

But generally speaking, only malicious arrears can bear criminal responsibility, and generally non-malicious arrears will not involve imprisonment. But for borrowers, owing money is not only not good for themselves, but also brings trouble to family and friends. It's really not worth it. As a borrower, you should make loans according to your economic income and repayment ability.

So much for the introduction of the collapse of the college student loan platform.