The harm of online lending is really silent. At first, I felt that every month had nothing to do with it. Within the tolerance range, whenever there is a little mistake, I immediately embarked on the road of repaying loans with loans. This is really a big pit.
At the beginning of 2020, due to the epidemic, a loan of 20,000 points 12 was borrowed, and it was paid back 2,000 a month with an interest of about 4,000. But it is also a special cause of the epidemic, and there is no way. However, because money is easy to come by, people are paralyzed. Soon after, they borrowed 25,000 points for repayment, 12, and paid 2,500 yuan each month, with interest reaching 5,000. They must also buy his member 65,438+0000, which is the interest of 6000.
It was okay in the early stage, but after a few months, I couldn't hold on. I remember very clearly that when you didn't plan the repayment plan and didn't tell your family, you repaid the loan with your little dead salary. Basically, it is easy to embark on the road of raising loans with loans. Since July, various online loans have been staged one after another, just to repay the loan. The following is the details of my online loan after July:
360:9200: 12, 900 each;
Loan from you and me: 12000 points, 12 installments, each installment1500;
Meituan: 20000 points, 12, 2000 each;
Millet: 4500 points, 12, 430 per period;
China Post Consumer Finance: 12000 is divided into 6 periods, each period is 2200;
Withdrawal tour: 8000 points for 3 periods, each period is 2800 yuan;
Wanda Pratt & Whitney: 12000 is divided into 6 periods, each period is 2300;
Credit wallet: 6,000 points for 9 issues, each 900 yuan;
A lot of oranges: 6000 points, each issue1100;
Small win card loan: 25,000 points, 12 periods, 2400 per period;
Small win and easy loan: 10000 installment 12 installment, each installment 1000.
It can be said that in order to repay the loan and other consumption, the late repayment amount reached 148860 yuan! ! !
Basically, the follow-up is to rely on loans to support loans or other expenses. It can be seen that because the repayment plan and repayment ability were not fully considered at the beginning, after the capital chain broke, it directly produced the consequences of raising loans by loans, and it was deeply mired in the quagmire of online loans until the worst situation such as address book explosion and violent collection appeared, which brought endless pressure to family members and themselves!
Fortunately, in June+February, 5438, because of the great pressure, I finally decided to find a way to go ashore, borrowed 50,000 from my friends, and got my year-end bonus of 20,000. I'll pay back the high interest first. If it can be repaid in advance, plan the repayment plan as much as possible. Also, there is the last issue to be uninstalled after the end;
You and I have repaid in advance and unloaded;
Xiaomi repaid in advance and has been unloaded;
What I want to return now has basically reduced my pressure;
Meituan: 20000 ***20000 and 10 loan to be repaid;
The loan of 360:9200 still has five installments of ***4400 to be repaid;
China Post's consumer finance: loan 12000 still has 4 installments of 8800 to be repaid;
Withdrawal trip: loan 8000, 1 installment 2700 to be repaid;
Wanda Pratt & Whitney: There are still 4 loans of 8800 to be repaid for 12000;
Credit wallet: there are still 6000 loans, and 6400 will be repaid in 8 phases;
There are many oranges: the loan is 6000 and there are 4 periods of 4400;
Xiaoyingka loan: the loan is 25,000 yuan, and 10 will be repaid in installments of 24,000 yuan;
Small win and easy loan: loans 10000 and 1 1 term 1 1000 are to be repaid.
To sum up, the total amount to be repaid is still 90,500 yuan. Later, I will bite my teeth and stick to it. It is expected that 5438+ 10 will be out of the pit in June this year, and I will never touch online loans again. Online loans are easy to get out, and many people are too lazy to get out. I embarked on the road of repaying loans with loans! ! !
I hope everyone will take me as a mirror and never touch online loans. Even if you have to, you must do what you can and consume rationally!
Which online loans are unreliable: Because there are basically more than a dozen online lending platforms, only these platforms can be evaluated. ....
360: The first online lending platform, with low quota, long repayment period, inflexibility and average interest.
Pay back the money: the amount is high, but the interest is high. As a third-party organization (the platform itself does not lend money, but only matches information to lending platforms such as small banks), the interest is basically more than 4,000 yuan a year.
Loan from you and me: the amount is average and the interest is high, but it can be settled in advance.
Small win card loan: unreliable. After paying the membership fee of 1 0,000 yuan, I will give you a limit of 1 0,000 yuan, which is equivalent to 1 0,000 yuan and two months' interest. Support early settlement, but all interest is still enough for 65,438+0,000 months.