Offline loans online loans are more reliable now, but the loan company must be a non-bank financial institution approved by the law and the industrial and commercial departments. The conditions for establishment are also very harsh. So it is more reliable to help you get a loan online.

Is online lending reliable?

As a practitioner in the loan industry, I say that online loans are mostly unreliable. Why do you say that? Let me talk about the difference between bank loans and online loans! The last point is more important.

1, the process of bank loans is generally more complicated than online loans.

After the borrower submits the application form and related materials, the bank will review them according to the materials, and notify the customer to sign the contract and go through the relevant procedures after passing the review; The loan will not be released until the formalities are completed. Online loans, most of them are online applications. After the customer submits the application, the system will review it, and if it is approved, the loan will often be released immediately. (Some people choose online lending because it is simple and easy to apply. )

2. The audit basis of bank loans and online loans is different.

Bank loans measure the borrower's situation, mainly by reviewing his credit information, fixed assets, work, running water and other aspects; Taking online lending as an example, it is usually based on big data and its own risk control. (Some access the central bank's credit information system, and will review the credit information of customers. )

3. Bank loans generally take longer than online loans.

Many bank loans take several days, even a month, from the time when the borrower applies to the time when he receives the loan. From application to lending, online loans can now be completed on the same day, and some may take two to three days. (So one of the reasons why most people choose online loans now is because it is fast. )

4. Interest on bank loans and online loans.

Bank interest: At present, the annual interest rate of bank loans ranges from 3% to 8%.

Interest on online loans: Take the loans and micro-loans that are used the most now. Now the general interest rate 15000 yuan, a few people will be lower than this. But as far as online lending is concerned, this is low, and some are even higher. So, what's the monthly interest converted from fifteen thousand yuan? Maybe many people don't know. (1.5 million yuan monthly interest 1.5 points, loan 65438+ million yuan, one month 1.500 yuan. You can compare the price difference, and the interest of 1.5 million is still relatively low compared with other online loans. The loan interest rates of various online lending platforms are different, and the interest rates of these online lending platforms are mainly concentrated between 10%-36%.

5. Overdue loans

When the borrower can't pay off the bank debt in time, he can negotiate with the bank in advance, and the bank has room for negotiation. For example, the borrower can apply to the bank for installment repayment, so there will be no penalty interest and liquidated damages. If the borrower is in loans overdue Bank, the bank will not bomb the borrower by phone in a short time. Only when the borrower fails to answer the bank's dunning call, the bank will contact the borrower's emergency contact.

When the borrower can't pay off the online loan, the online loan platform will not provide the borrower with any room for negotiation, and will generate penalty interest and high liquidated damages from the overdue date. Overdue records will also be reflected in the borrower's credit information. After the borrower's online lending platform is overdue, the online lending platform will bomb the phone in turn and contact the borrower's emergency contact person, which will affect the borrower's normal life.

6. Loan amount

You can apply for enterprise credit loans in a bank for up to 5 million yuan.

The online lending platform mainly provides small loans to borrowers, with the amount ranging from 1000 yuan to 200,000 yuan.

7. Term of loan

The loan period of banks is relatively long, and the credit period is generally between 1 year and 5 years. A few credit products for high-quality customers can have a term of 8 years to 65,438+00 years, and bank mortgage loans have a longer term, generally ranging from 65,438+00 years to 20 years.

Borrowing on the online loan platform, the borrower can choose a shorter loan period, which can be applied for several months at the shortest, generally not more than two years.

8. The influence of peer-to-peer lending on bank loans.

If the borrower borrows a lot of online loans, it is more likely to be refused to apply for loans at the bank, because bank credit products have certain requirements for the number of online loans. Generally, it is required that the number of online loans should not exceed 2, and the loan amount should not be higher than100000. In addition to checking the borrower's credit information, the bank will also review the bank's big data. If the borrower applies for too many online loans, it will affect the borrower's big data score, and ultimately affect the amount of loans applied for, and even be directly rejected by the bank.

Is online lending true? Online lending needs to be cautious.

The development of the information age has changed many people's lifestyles. Now we can not only shop, pay and work online, but also borrow money online. Some friends may think of this. Is online lending true? What should I do if I am cheated? Let's talk about online lending today.

What is online lending?

In fact, online lending is not difficult to understand. All the submission, review, loan and repayment processes are completed online, and even many of them can complete the loan only by using a mobile phone with Internet access, and both borrowers and borrowers can achieve the purpose of borrowing without leaving home. This is called online lending.

Generally, online loans are not high, unsecured and pure credit loans.

Is online lending true?

Of course it's true. Many banks have established their own online loan business, such as BOC e-loan of China Bank, American Express e-loan of China Construction Bank and Xingshan loan of Industrial Bank.

Not only are online loans real, but with the vigorous development of online loans, more and more online loan scams have also caught many friends. Liars just use the eagerness of borrowers to sort out several common scams for your reference.

1, impersonating a formal lending institution

Is online lending true? There are often scammers who impersonate large-scale well-known loan platforms and register domain names similar to the platforms to defraud borrowers and money. Borrowers must keep their eyes open.

2. Collect the deposit before the loan.

Many swindlers like to use these seductive words to attract the attention of borrowers. If the borrower is in urgent need of funds and can't provide mortgage or guarantee, it is easy to fall into this trap. Once the borrower submits a loan application, the swindler will cheat the borrower on the grounds of guarantee fee and deposit.

3. claim ultra-low interest rates

30,000 to 6,543,800 yuan, and the interest rate is only 654.38+ 0%. This is not a preferential policy of the bank, but a trap. The swindler began to set a trap to lure people to remit the interest of one quarter to the designated account, and claimed that they could get the money directly the next day after completing the formalities.

To sum up, online lending is true and reliable. It's just that when we choose a loan platform, we must have our own judgment, and we must not be greedy and cheap, and we must not trust others, so as not to cause losses to ourselves. If you need online loans, you can go.

Take a look and make sure that nearly 100 kinds of online loans are real. Click interested.

Just try it.

The introduction of reliable online loans and reliable online loans ends here. I wonder if you have found the information you need?