It is convenient and fast to apply for loans through the Internet, and all loan demanders get in touch with loan providers in a short time. In recent years, more and more friends apply for loans directly through the Internet. The following describes the process of online lending:

Generally speaking, the process of online lending:

1. Seek a reliable loan website. At present, there are many kinds of loan websites. Choosing a reliable website can speed up the loan process and avoid being cheated to a great extent. It is suggested to choose a large domestic loan intermediary website.

2, after entering the website, according to their own needs, directional choice of loan types, through the network to provide loan demand;

3. The website reviews personal information, classifies each person's personal information, and finds a matching loan provider, and then the business personnel of the loan provider directly get in touch with the loan demanders;

4. When the borrower goes to the lending institution, the borrower and the lender negotiate loan-related matters in person, such as loan requirements, loan amount, loan interest rate, etc.

5. Sign a loan contract. For formal loans, you must sign relevant legal loan contracts to give the other party a guarantee in the future;

6. loans. After the loan contract is signed, the loan can be completed after the follow-up matters are handled, and the borrower can remember to repay the loan in the future.

Lender Bian Xiao needs to remind you that online loans are usually just a step to seek loan suppliers. After the loan supplier gets in touch, it is still necessary to meet with the supplier's salesman to discuss related matters in detail. At the same time, loans are usually not completed in cities. So, if you claim to be able to do business in the city, you are probably a liar. In the process of loan issuance, if the loan is not issued, the formal loan provider will not ask the borrower to pay any fees in advance. If the other party asks to pay any fees in advance, it is generally a liar.

How to handle online loans?

Operating environment:

Brand model: iPhone 13

System version: iOS 15.3. 1

Application version: 6.2.90

Take Jingdong Finance as an example:

The process of online lending is mainly:

1. The borrower logs on to the online loan platform, enters the application page, fills in personal name, ID number, residential address, telephone number, loan amount, loan purpose and other information as prompted, reads and signs the loan agreement, and submits the loan application.

2. The platform reviews the information submitted by customers, and evaluates the credit status of customers through big data and platform control (some loan platforms are connected to the central bank's credit information system, and customers need to sign personal credit information business authorization when applying, and the platform will review the credit status of customers through credit information).

3. After the platform is audited, the audit results will be issued. If it passes, the platform will lend the money to the account designated by the borrower. When the loan arrives, the platform will send an information notice, and the customer can use it when the money arrives. Of course, if the audit fails, the system will also inform the customer.

Different online loan products may have certain differences in specific process steps. For example, some online loans will call the borrower for electronic review during the review process, and will ask the borrower some questions to see if the contents answered by the borrower are consistent with the information filled in by themselves, so as to confirm the authenticity of the information provided by the customer.

Peer-to-peer loan model:

B2c mode:

B of b2c generally refers to banks, and some websites also provide products of loan companies. Generally, online b2c loans rely on online loans to work first and then lend. According to different rules, some applicants need to go offline. At present, the b2c model is restricted by the region, because its business entities are all institutions with geographical restrictions, and its coverage needs to be expanded.

C2c(p2p) mode:

P2P is short for PeertoPeer, which means person to person. In this mode, the applicant can decide the interest rate, term and other conditions independently according to his credit status and repayment ability, and Party B can freely choose the object he wants to borrow like online shopping.

Scam:

1. The company name is relatively large, so the so-called "Chengxin Group", "xx Loan Group" and "xx Loan Group Company" simply cannot exist, and it is impossible for the industrial and commercial departments to allow the registration of such company names.

2. Some will pretend to be banks or well-known companies, but they don't have an office address and can't provide real company business licenses and personal ID cards.

3. Advertising information generally only provides mobile phone number and contact person. Through the mobile phone number query, we can see that publishers are concentrated in a few provinces in China.

4. The loan terms are easy, and there is no need for mortgage and income check. Basically, you can get a loan with your ID card.

5. When the borrower is tempted, the liar will ask for the fee first for various reasons, such as "interest, lawyer's fee, verification fee, insurance premium, handling fee, deposit" and so on.

6. When the borrower pays first, it is found that the liar's mobile phone can no longer be dialed, and even some borrowers are cheated without knowing the other company, personal name and ID card, or even knowing where the other party is.

How to handle online loans? Understand the process and precautions.

There are generally two channels for urgent money loans, one is bank loans, and the other is to apply for online loans. Although bank loans are highly secure, the threshold is relatively high, and it is difficult for ordinary people to approve them. In contrast, online loans are easier to apply for, so how do you apply for online loans? Here are some basic processes and precautions.

How to handle online loans?

First, choose a formal online lending platform.

There are many online lending platforms on the market. In order to avoid being routine, we should choose a formal platform.

Usually, formal online lending platforms are qualified to lend, that is, they hold financial licenses approved by the central bank, and the loan interest rates are generally within the scope of legal protection, and most of them will not exceed 24%. Moreover, no fees will be charged for any reason before lending, and the amount actually received by the borrower is the same as the loan amount.

If you really don't know which online lending platform to choose, you can refer to Xia360 IOUs, IOUs, JD.COM Gold Bars, Didi Lending and Xiaoman. , all have good strength, and they are also very famous in the Internet finance industry.

Second, prepare materials to prove that the loan is operated according to the process.

The online loan process is actually very simple, because most of them are credit loans, which can be handled directly online without mortgage guarantee. But the premise is to see if you are eligible for loans according to the requirements of the selected online lending platform. One is to see if your age is up to standard, the other is to have a stable work income, and the third is to have good personal credit.

If it is confirmed that it meets the requirements, you can borrow money through the official account of WeChat on the online loan platform or download the online loan APP. Generally, you should use the mobile phone number of the real-name registration system to register, and then improve your basic personal information according to the prompts. Then you have to upload the original ID card, bind the debit card to complete real-name authentication, and even perform face recognition.

The online loan platform system will give a loan amount according to the borrower's credit situation. The borrower applies for a loan within the loan amount, selects the loan amount, term and repayment method, and submits it. After being approved by the system, the borrower will repay the bank card provided by the borrower on time.

The above is the relevant introduction of "How to handle online loans", and I hope it will help everyone.

What is the process of online lending? Where should I go?

It is difficult and takes a long time to approve bank loans. Now people will choose online loans more in case of emergency. What about the process of online lending? Where should I go?

First, the process of online lending

In fact, online lending should be very simple, certainly easier than bank lending, because banks, as state-controlled, will strictly examine and approve the qualifications and credit information of lenders, while online lending software is mostly private enterprises, paying attention to interests, and the review of loans is relatively simple. When online lending, you should choose a loan APP, then you can download this APP, then register your account, fill in your identity information for authentication, and then you can submit a loan application after the authentication is passed. It is worth reminding that the authentication must be real-name authentication, the loan software also needs to obtain your mobile phone address book information, and the bank card also needs to be bound. The loan platform will review this information and may make some return calls and ask some basic questions. After the approval, you can wait for the loan.

Second, where is the online loan going?

There are many loan softwares on the market now, and netizens can search and compare them to see which software has higher authority, faster loan speed and larger loan amount. After comprehensive comparison, you can choose your favorite software, and then you can apply for online loans. When choosing, netizens must verify whether the platform is formal, don't be deceived by illegal organizations, and fill in information, but they won't give you money or the interest is too high.

Third, summary.

Bian Xiao would like to remind you that online lending is risky, so you should be cautious in lending. If you think that you don't have to repay the online loan, this is a very wrong idea, because you have filled in your identity information, such as ID number, telephone number, home address and so on. And the online loan software will also get the phone number of your address book contact. If you don't pay the loan, he will accept your relatives.

What is the online loan process?

1. Before the loan, the borrower should fill in the Application for Mortgage of Residential Houses and submit the following supporting documents to the bank: the borrower's fixed income certificate issued by the borrower's unit, the business license and legal person certificate of the loan guarantor, and other credit supporting documents. Legal and valid proof of identity of the borrower, relevant house ownership certificate or proof that the borrower has the right to control the house, appraisal report, appraisal certificate, insurance certificate, contract, agreement or other documents for the purchase and construction of the house, and other documents or materials required by the loan bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6 loan settlement, including normal settlement and early settlement.

① Normal settlement: the loan shall be settled on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment repayment).

② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved. After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.

Article 667 of the Civil Code defines a loan contract as a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, except as otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 The borrower has the obligation to truthfully provide information to conclude a loan contract, and the borrower shall truthfully provide the business activities and financial status related to the loan as required by the lender.