There are mortgage loans in the products of P2P online lending platform.

2. Can 2.P2P be mortgaged with a house?

There is no doubt! This is more conducive to collecting money.

3. What is the bottom price of 3.p2p?

P2p bidding should refer to p2p mortgage bidding. Mortgage target: mortgage target is the most common target in online loans. The interest rate of the loan target issued after the borrower mortgages his house, vehicle and other things on the platform is slightly higher. If the borrower is overdue, the platform will auction the collateral to repay the investor. As for the disposal of collateral, there is no precedent for this platform at present.

Fourth, can you mortgage a house loan with too many online loans?

Housing mortgage loan first examines what kind of property is under the lender's name. However, if the borrower applies for more online loans, it may have paid off the online loans, but as long as there is an overdue record before, it is still unfavorable for the housing mortgage loan. 1. There are too many online loan applications, and the quota will be affected. If the lender has handled a lot of online loans in his own name, he will be considered as a customer with tight funds when making mortgage loans in commercial banks, so when lending, he will reduce part of the loan amount. After all, besides the house itself, the comprehensive situation of the lender is also very important. Too many online loans will not only bring trouble to other loans, but also have an impact on the lenders themselves. At present, many informal online lending platforms will take this opportunity to collect relevant information of lenders, and then sell this information, which falls into the privacy of lenders' names, ID numbers or mobile phone numbers. 2. If the online loan causes bad credit, it is very likely that the loan will be rejected. When there are many online loan records in the borrower's name, and there have been overdue cases, then your credit record will be bad. For people with bad credit, it is basically impossible to apply for a mortgage loan. 3. The online loan situation is appropriate, which is conducive to loans. If the lender has made online loans before handling the mortgage loan, and the repayment record is good, and the number of online loans is within a reasonable range, it will actually help the mortgage loan. The reason is that it can prove that the lender is not a "white household" of credit. Compared with loans from regular banks, the advantage of online lending is that the process is very simple and the speed of getting money is very fast. But if the consumer behavior of the lender is not good enough, it will produce dependence. In any case, online lending is a double-edged sword, which can solve difficulties and bring certain losses, so we must grasp the degree of online lending, otherwise the loss will outweigh the gain. : online lending, mbth is Internetlending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15. From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system. Operating mode Online credit originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is that online credit companies provide a platform for borrowers and lenders to bid freely and reach a deal. In the traditional P2P model, the online lending platform only provides services such as information exchange and information value appraisal that are conducive to the completion of transactions, and does not substantially participate in the interest chain of lending. There is a direct creditor-debtor relationship between borrowers and lenders, and the online lending platform maintains its operation by charging certain fees to borrowers and lenders. In China, because the citizen credit system is not standardized, it is difficult for the traditional P2P model to protect the interests of investors. Once overdue, investors will lose everything. Therefore, in the continuous exploration and practice of P2P online lending, it is suggested that friends and relatives should be introduced into credit loans for joint guarantee, and mortgages or pledges should be introduced into other loans for counter-guarantee. At the same time, the enterprise loan project introduces a third-party financing guarantee company to audit and guarantee the project principal and interest, and requires that its guarantee scale should match the guarantor's guarantee amount, and the guarantor should also strengthen its own risk control management. Online lending, also known as P2P online lending. P2P is the abbreviation of English peertopeer, which means "person to person". Creditor's rights transfer mode Creditor's rights transfer mode can better meet the borrower's capital needs and investors' financial needs, and actively carry out business in batches instead of passively waiting for their respective matching, thus achieving rapid expansion of scale. It is closely related to the target customer groups of microfinance that the development of Internet in China has not yet spread. Almost all online lending platforms established since 20 12 are creditor's rights transfer models. Because of the extension of credit chain and the high correlation between institutions and professional lenders, the P2P online loan form of creditor's rights transfer has been questioned. Many traditional P2P institutions think that this is "not P2P, and the risk will affect the P2P industry". P2B mode P2B platform is characterized by individual-to-institution, and the specific operation mode is that third-party institutions do risk control. The platform connects the risk control projects or targets of third-party organizations with investors on the platform, and intelligently solves the problems of unprofessional risk control and poor risk control level of the platform. Generally speaking, the risk of P2B business model is much lower than that of P2P business model, and its security is more worthy of investors' trust. [6]P2B platforms can be subdivided into the following categories according to different cooperative institutions: first, platforms for cooperation with guarantee companies; The second is a platform for cooperation with small loan companies; Third, a platform for cooperation with factoring companies and financial leasing companies; Fourth, a platform for cooperation with powerful licensed formal financial institutions such as securities companies, four major asset management companies and banks. Because guarantee companies usually have weak risk control ability, followed by financial leasing companies and factoring companies, small loan companies are slightly stronger, and licensed formal financial institutions with strong strength such as securities companies, four asset management companies and banks have the strongest risk control ability and the highest risk control level. Therefore, in these types of P2B platforms, the first risk is greater, followed by the second and third risks, and the fourth risk has a stronger relationship with securities companies, four major asset management companies and banks.