The daily loan interest rate in Li Zhe is 0.0/kloc-0.5%-0.029%. Li Zhe loan interest calculation formula: interest = loan interest rate * loan term * loan principal. Li Zhe Loan is a loan product launched by Zhejiang Rural Credit Cooperatives. Li Zhe loan can bear interest on a daily basis, with a maximum amount of 300,000 yuan.

Application conditions: 1, have a stable job and pay the provident fund normally in Hangzhou;

2. The monthly deposit amount of the user's provident fund is more than 500;

3. The borrower holds the debit card of Hangzhou United Bank;

4. The borrower has good credit and stable income.

After loans overdue, there will be the following consequences:

1. has incurred penalty interest and liquidated damages.

After loans overdue, the first thing is to generate overdue penalty interest.

Alipay overdue penalty interest requirements:

Increase the interest by 1.5 times on the basis of the original interest. Overdue interest = overdue amount * overdue days * interest * 1.5. The longer the overdue period, the higher the interest charged. So it's best to pay it off as soon as possible after the deadline.

If the payment is overdue for more than 3 months and the amount exceeds 1 000, Alipay will sue the borrower to the court, not only to pay back the money, but also to bear legal responsibilities.

2. Personal credit is damaged

Before Alipay, only some users borrowed money for credit investigation, but the flower garden was not used for credit investigation. After Hua Bai's overdue loan, the Sesame Credit Branch was greatly reduced, which had little impact on personal credit information.

After accessing the central bank's credit information, the flower garden is overdue again, and Alipay will upload the overdue behavior to the central bank's credit information system, and the overdue record will be reflected in the personal credit information report.

The new version of the credit information update all adopts the mode of T+ 1, which means that once it is judged to be overdue, the credit information center will update the overdue records in the credit information report the next day.

Overdue online loans will lead to poor credit reporting, which is a proof of personal credit and can be regarded as a person's "economic identity card". When the credit information is bad to a certain extent, it will also bring many adverse effects to our daily life:

3, affect personal travel

If personal credit records are blacklisted, for example, those who maliciously default on bank loans will be prosecuted by banks. It will make it impossible for borrowers to fly and stay in star-rated hotels.

4. Affect employment

Some companies will conduct background checks on employees before joining the company. If they find a bad credit record, they may think that this person has integrity problems and refuse to let him work.

5. Affect children's education and daily life.

If parents are included in the list of untrustworthy people, some schools that need political examination may fail to pass the qualification examination of their children, which will more seriously affect joining the army, entering military schools, taking civil servants, institutions and state-owned enterprises.