; ? In the internet finance industry, there are many well-known investment platforms that can also apply for loans. You and I are such a platform. Many borrowers don't know much about your loan fees. In fact, there are other expenses besides interest. Let's introduce the relevant content below.

I. Pre-loan handling fee

Note that all online credit loans are free before the next payment. Once the handling fee is prepaid, it is either a fraud institution or an informal company, so be careful.

You and I are well-known platforms in the industry, so it is safer and more reliable. You don't need to charge any fees before you apply for a loan. If you get a call asking for payment in advance, you may be a liar.

Second, the loan cost.

All expenses of your loan include loan interest, credit service fee, platform management fee, platform service fee, etc. The charging standard of each product is different.

Let's take the ID card loan with the lowest application threshold as an example:

1, loan interest: 12%, monthly interest 1%, not very high, because the annual interest rate of private lending is around 20%, and even the daily interest rate of Alipay borrowing is as high as 18%, so the interest rate of your loan is really not high.

2. Platform service fee and post-loan service fee. The platform service fee is 4%, which is almost 15% here.

3. The post-loan management fee is every month. It can be calculated that the annual interest rate is higher than the interest.

All the above expenses are close to the critical point of usury of 36%, so the handling fee for borrowing money from us is relatively high, which is safer, more reliable, faster to pay and lower in threshold. If you need money urgently, you can try. In addition, in case of holiday activities, there may be interest rate concessions. I suggest you pay attention to you. I borrow money from WeChat official account.