If the platform applying for a loan charges a service fee, if it is a regular fee, such as installment fee and prepayment fee, it can be paid according to the regulations.

Second, the specific analysis

If it is unreasonable, such as the service fee for opening a member, the service fee for unfreezing loan funds, and the deposit. It is recommended not to pay.

We should know that any formal lending platform with a financial license approved by the CBRC will generally not charge any fees before the loan is issued. If the money is paid, most of it will not be paid back. In fact, it is equivalent to paying a "beheading interest", and personal money is bound to be damaged. Even some small loan platforms will directly "roll the money and run away", and then they will not lend money and can't contact people.

It is best to give up the loan of the platform directly, apply for a new loan from other licensed consumer financial institutions again, untie the bank card and directly cancel the loan account of the platform; You can also report to the local CBRC or the Internet Finance Association.

There are too many applications, and I am worried that my big data will lead to the failure of car loans and mortgages in the future. You can find it in Winnie Hsin. The system provides the most accurate information for debtors, people who apply for excessive online loans, loan users and platform risk control personnel. You can quickly query all kinds of big data, such as arrears records, loan application times, credit reports, etc. , so that you can better understand your credit status.

Third, is the platform for handling loan fees reliable first?

The platform for handling loan fees first is not reliable.

After all, it is illegal for consumer financial institutions with financial licenses approved by the CBRC to charge no upfront fees before loans are issued.

If the other party uses the bank card provided by the borrower as an excuse that some funds need to be pre-stored to prove their identity, or the bank card number is wrong and the funds need to be frozen and unfrozen, they want to return the money first. Then the other party will not pay easily. Most of them charge "beheading interest" in disguise, which is actually fraud.

In this regard, the correct way is to directly refuse and then give up the loan (it is recommended to find another loan platform with a financial license to refinance). In order to prevent the subsequent harassment of the platform, you can also try to cancel the platform account and unbind the bank card; At the same time, you can collect evidence to report. If the money arrives and causes financial losses, you can also bring a lawsuit to the local people's court; Or report to the local public security department.