1. What are the risks of online lending?
1, high handling fee rate and great repayment pressure. P2P platform will evaluate the credit status of customers, and different credit ratings will charge different fees. Some companies will classify the credit rating as AA, A, B and C, and the corresponding monthly rates range from 0.78% to 1.89%. In addition, the company also charges a service fee, which is also linked to the personal credit rating. AA-level free service charge; The first-class service rate is1%; Class B service rate is 2%; Class C service rate is 2.5%; Class d service rate is 3%; E-class service rate is 4%; The service rate of human resources is 5%. Generally speaking, the rate of online credit loans is four times that of banks. If the loan cannot be repaid at maturity, the customer will not only be urged, but also pay overdue penalty interest and management fee.
2, unable to repay, the consequences are serious. Usually, customers have overdue behavior, and the company's post-loan management department will remind them by SMS, telephone and other means as soon as possible. If the user does not return it within 5 days, the company will contact the immediate family and unit of the customer. If the user still fails to repay the loan, the collection team will cooperate with the third-party professional organization to collect the loan at home, and even take legal measures. In addition, penalty interest and management fee will be charged after the deadline.
Second, what should I pay attention to in online lending?
1, build websites under the banner of professional companies: such websites are often named as "loan companies" and "investment consulting companies", and sometimes the words "there are agencies all over the country" appear on the websites, with the purpose of packaging themselves and further defrauding the trust of SME owners. But if you look at such websites carefully, you will find that they generally leave no landline and address, only mobile phones or QQ. Even if they leave an address, they can't stand to look carefully.
2. In many "online loan scams", tempting slogans such as "no mortgage, no guarantee" and "lending on the same day" often appear. These slogans hit the heart of the vast number of business owners and individuals who are in urgent need of funds. Generally speaking, the reason why the project party is rejected when seeking formal loan channels is often that there is no good mortgage assets or guarantee. In this scam, once the small and medium-sized business owners are hooked, they are required to pay a certain fee, deposit, etc. Before the loan, "because there is no need for guarantee and mortgage", some even require to pay interest for a certain period in advance.
3. Pretending to be a formal institution: Some fraudulent companies highly imitate the websites of well-known lending institutions, which is extremely deceptive. The pages of these fake websites are often similar to those of regular lending institutions, and the domain name is only one or two words less than that of regular lending institutions. Most project parties need to be more cautious when making inquiries.