Concerning the fact that all P2P platforms have been cleared, what do you want to know most about it? Do you still need to pay back the unpaid money? Yes or no?
According to the leaders of the China Banking and Insurance Regulatory Commission, P2P online lending institutions have been completely eliminated by the middle of this month. Clearing out means that there will no longer be institutions that provide online financial services similar to personal lending to individuals. It does not mean that the existing existing business and debts that have been left behind can be written off in one go. Since there will be no new P2P online loans in the future, the relevant government departments will have the energy and time to fill the holes left in the past.
Many people invested money in P2P, but not only did they not get the interest, but they also lost their principal. This was caused by the random operation of P2P institutions without regard for financial risks. At the same time, it is also caused by the failure of some people who borrowed money and did not repay it. To take a step back, assuming that all borrowers repay their money on time as agreed in advance (I mean the interest rate that complies with the law, is it normal for usury to exceed the regulations), the P2P institution will not fail, nor will it. So many investors will lose their money.
The liquidation of P2P is in progress. The person in charge of the illegal organization will receive the punishment due to the law, and those who borrow money and fail to repay it will not escape either. Of course, if you borrowed from a loan shark at the time, you don’t have to repay the loan shark part. For example, if you borrow 10,000 yuan, the annual interest rate is 30, and you will have to pay back 13,000 yuan with interest after one year. However, according to the latest regulations of the Supreme Court, the upper limit of private lending interest rates cannot exceed 4 times the one-year LPR, which is 15.4. Then you only need to repay the interest of 1,540 yuan, which is 11,540 yuan including the principal and interest. And if the interest rate agreed at that time did not exceed the upper limit stipulated by law, for example, it was 12, the total amount would be 11,200 yuan, and there would be no room for bargaining.
I believe that the person in the question is an honest person. The question mentioned in the question has not completely repaid the money, which means that the person in the question is in the process of repaying the money. This proves that the person in question has good character and morals. of. After that, just continue to repay within the limit stipulated by the law. There is no need to take chances.
If no one has integrity and the bank refuses to give out the money that is placed in the bank in the future, then the financial system of the entire society will collapse, and no one will get any good results at this time. eat. Let’s work together in 2021