Different loan platforms and different loan products have different requirements, application materials and handling procedures, and the official information of the loan platform shall prevail.
Peer-to-peer lending has certain risks, so please choose carefully. If funds are needed, they can also be handled through official channels. For example, Ping An Bank has launched unsecured credit loans, as well as mortgage loans and mortgage loans for houses and cars. Different loan application conditions and requirements are different. Whether the examination and approval can be successful is evaluated according to your comprehensive qualifications.
First, online loan return visit
The application for online loan seems simple, but some information must be true and can only pass the review if it can stand a return visit.
1. Personal identification information. That is, ID number, place of residence, place of work, etc. , including career information and simple information about family members.
2. The applicant holds a photo of the ID card. This is what most online lending companies will require to prevent lenders from impersonating others.
3. Upload the telephone address book. Online lending companies must ensure that they find people who know you without contacting you. To put it bluntly, it is to prevent the lender from maliciously evading the emotional kidnapping of repayment.
Most online lending companies will take the above three points as hard rules, and they cannot apply for loans if they are not satisfied.
Second, the basic introduction of peer-to-peer lending
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.
Third, the online loan operation mode
P2P mode
Internet 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 borrowers 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".
What are the requirements for online application?
Requirements for online application: 1. The borrower must be a natural person with full civil capacity at the age of 18. 2. He has permanent residence or valid residence status in China. He has stable professional and economic income, good credit and the ability to repay loan interest. He has a complete house purchase contract, car purchase contract, admission certificate and investment plan that can prove the purpose of the loan. He has the ability to repay the loan. Article 11 of the Interim Measures for Personal Loans
What are the terms of ICBC's online loan?
1. The borrower is over 18 years old and has full capacity for civil conduct.
2. The borrower can provide valid identity certificate and valid residence certificate.
3. The borrower should have stable occupational and economic income.
4. The borrower can fulfill the loan guarantee conditions.
5. The borrower has a legal and stable income source and the ability to repay the loan.
6. The borrower has a clear loan purpose.
7. Other conditions stipulated by China Industrial and Commercial Bank.