(4) If the single withdrawal amount is less than 1.500 yuan (inclusive), no fees will be charged according to the withdrawal rules (inside and outside 15 days), and all such withdrawals will be charged a handling fee of three thousandths of each amount.
Second, the borrower 1, ordinary members can apply for VIP membership after uploading information, and the information fee for VIP members 150 yuan/year (deducted after successful VIP application). 2. Successful loan management fee: charged according to the loan term and 0.5% of the loan principal every month. The management fee is non-interest-bearing, non-refundable and directly deducted from the loan amount. (No management fee is charged for the second bid; 0.3% of the amount charged by the website).
3. If the bid issued by the borrower fails to be auctioned, the borrower shall bear all the responsibilities, and the website will not charge management fees and bear any responsibilities. 4. When the borrower is in loans overdue, if he voluntarily reports to the website and takes active measures to repay the loan, the website will try its best to help him solve his difficulties. If the borrower maliciously evades, does not answer the phone or stops to avoid debt, he will be penalized. If the overdue debt is overdue, a penalty interest of 8 ‰ of the overdue principal will be charged every day. If it is overdue for more than 30 days, a telephone reminder fee of 4 ‰ will be charged every day.
Three. Investor 1. Investor's investment: after the pledged bid, secondary bid, net bid and credit bid are successfully earned, the website will deduct 10% of the interest earned by the investor as the website risk deposit. (The interest earned by the investor shall be paid by the investor himself). 2. Investors can apply for VIP voluntarily, and the VIP membership fee is 150 yuan/year. After becoming a VIP member, the website pays the principal and interest for the overdue pledge bid, and the website pays the principal for the overdue net bid. (After bidding, the overdue advance payment of ordinary members who are not VIPs is 80% of the overdue bid principal).
3. If the loan bid invested by the investor fails, the investor will bear the losses such as interest, and the website will not bear any responsibility. 1. Taobao, the target of pledged loan, marks the mortgage loan with pledge, which means that Taobao Company strictly examines the borrower's assets and liabilities offline, entrusts a third-party agency (such as car dealers and intermediary guarantee companies) cooperating with Taobao to conduct strict examination and evaluation, and goes through the formalities of asset mortgage and pledge. After both parties agree on the loan interest rate, the borrower publishes the loan information on Taobao platform. If it is difficult for the borrower to repay the loan at maturity, Taobao 100% will repay the principal and interest in advance within 24 hours after the loan expires. At the same time, Taobao disposes of the borrower's mortgage assets for repayment. After the pledge is overdue, a penalty interest of 8‰ will be charged every day, and all the principal interest and penalty interest will be charged by Taobao. After the mortgage is overdue, when Taobao auctions the borrower's mortgaged assets, the investors of the mortgage will enjoy the preemptive right of the mortgage and participate in the auction. Taobao platform effectively supervises the authenticity and legality of collateral. Investors can check and verify all collateral at any time.
Second, the second repayment of the loan is marked with "seconds". When the user makes the second repayment, the interest will be frozen. After the bid is full, the system will automatically approve it. The bidder delivers interest immediately, and the second repayment is free of commission, and the investor recovers the principal and interest.
Third, the online loan target of the online loan target is marked "net", and the maximum amount allowed to be published is the net assets of the borrower on the website. If the net assets are negative, 0 or less than 500 yuan, the bid cannot be issued. (The loan management fee of the online loan target is 0.3%). If the customer's net assets are greater than the loan amount, Taobao is allowed to issue the net loan target for temporary turnover. Loans can be recycled, but users will be restricted from withdrawing cash. It is a borrowing target with a relatively high safety factor, so the interest rate may be relatively low, which is suitable for capital scalpers. Users can use this goal to expand their investment leverage. The borrower repays the principal before the net loan target advances the principal, and the principal and interest are repaid according to the normal standard. In addition, a penalty of 0.8% will be charged for each overdue day, and bidders and Taobao will each charge 0.4%. After the loan object advances the principal, the borrower repays the principal and interest according to the normal standard. If it is overdue, a penalty interest of 8 ‰ will be charged every day, and all the principal interest and penalty interest will be charged by Taobao. After the loan target is overdue for 30-33 days, the website risk fund will pay the principal repayment in advance. 1, Monday to Sunday 9: 00-22: 00.
(1) For the cash withdrawal application submitted before 16: 00 every day, the internal audit and online banking transfer of all cash withdrawal applications shall be completed before 20: 00 that day;
(2) Withdrawal applications submitted after16: 00 will be postponed to the next working day. After the online banking transfer, the actual arrival time will vary according to the bank, region and date (working days and legal holidays), and generally the arrival time will not exceed 24 hours. Sundays and legal holidays: all cash withdrawal applications will be reviewed and processed on the first working day after returning to work.
(3) Taobao does not accept the application for withdrawal on the day of recharge. 1, insist on smiling service, warmly receive and answer every customer's calls, letters and visits.
2. Establish an honest, open, transparent and sunny service platform.
3. Persistently promote the development of P2P lending service platform in China.
4. Seriously accept customer complaints, handle related matters within 3 working days, and consciously perform legal duties and related service commitments.