With the strengthening of supervision, although some illegal online loans have not been completely eliminated, the entire online loan industry is also developing in the direction of regularization. As a borrower, it depends.
1, company qualification:
First, check the qualifications of the lending platform company. Most of the business license names of regular small loan companies contain the words "small loan". Unclear friends can directly log in to the credit information publicity system of enterprises in this province for inquiry. Secondly, regular small loan companies only lend but not save, and the contact information must be fixed telephone. If it is a mobile phone number, it seems a bit false and untrustworthy.
2. Pre-loan charges:
We should know that formal financial lending companies will not charge borrowers any fees before lending. If you need to pay various fees such as deposit, handling fee, security deposit, service fee and beheading interest before applying for online loan, please stop lending immediately.
3. Audit mechanism:
The review mechanism of the formal online lending platform is strict, and some not only check the big data of online lending, but also check the credit report of the user's central bank. If the online loan application procedure you borrowed is too simple and the loan interest rate is too low and unattractive, you must pay more attention to avoid encountering routine loans.
4. Loan interest rate:
According to the relevant laws and regulations of our country, the annual interest rate of loans can be protected within 24%, and if the annual interest rate exceeds 36%, it can be characterized as usury, and the borrowers who exceed it can not repay. If the interest rate of online loans borrowed by everyone is too high, it will inevitably be unreliable.
Finally, I would like to remind everyone to do a good job of fraud prevention before lending, try to choose a formal lending platform, and don't blindly follow suit to apply for loans. Friends who really can't judge can also apply for loans directly from banks, or relatively big-name online loans, such as Alipay loans, WeChat micro-loans, JD.COM IOUs and so on.