First, the peer-to-peer lending model.
1, b2c mode b2c B generally refers to banks, and some websites also provide products of loan companies. Generally, online b2c loans rely on online lending platforms to complete pre-lending work. According to different rules, some applicants need to go to the bank 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.
2.c2c(p2p) mode p2p is short for Peer to Peer, 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.
3. The basic conditions for bank loans are: the applicant 18 years old, and the upper limit of the loan age is generally 55 years old or 60 years old; The applicant has a stable income and can repay the loan principal and interest on time; The applicant's credit report is good and there is no bad credit record in the credit report. Meet the above basic conditions, users can apply for bank credit loans. To apply for other types of loans, you need to meet some specific conditions.
4. There is no need to repay the loan funds before they arrive, indicating that the loan has not been successful. In this case, you should contact the lender in time to explain that your bank card number is wrong and you have not received the funds, and the other party will tell you the specific progress. After the bank card number filled in when applying for a loan is wrong, the loan is basically unsuccessful, because the card number, the cardholder's name and the bank where the account is opened must be compared one by one. If there is an error and the remittance is unsuccessful, there will be a notice after the loan funds are released successfully. If the card number is wrong but the loan is successful, this situation requires repayment.