Is the group loan network reliable?
There are many P2P platforms in China, among which Tuandai.com is one. 20 1 1 was established and officially started operation on 20 14. It is an intermediary service platform in peer-to-peer lending, which mainly provides matching services for both borrowers and lenders.
The full name of the company is Dongguan Tuandai.com Internet Technology Service Co., Ltd., with a registered capital of1029333,300 yuan.
According to Tuandai.com, the platform has professional big data analysis, strict loan review process and perfect risk management system.
At present, it ranks 16 in the home of online loans, with a reference rate of return of 9. 16%. So is the group loan network reliable?
The group loan network is guaranteed by a third-party guarantee institution, and an emergency reserve fund has also been set up. The daily reserve fund is not less than 30 million yuan, and the reserve fund mainly has the following purposes:
1. can guarantee the normal fund transfer of group loan network users on weekends or holidays.
2. If a third-party institution causes overdue repayment for various reasons, and the advance funds are not received in time, emergency reserve arrangements will be used for assistance. After the third-party guarantee funds are paid in advance, the emergency reserve funds are added.
At present, the group loan network is still relatively reliable, the company operates normally, and its daily turnover exceeds 100 million.
Generally speaking, the choice of online lending platform has higher income, but it also has certain risks. Users must comprehensively inspect the platform and invest rationally.
Is it reliable to borrow money through the group loan network?
Users can borrow money through the group loan network, and if they need funds, they can also borrow money through the group loan network. At present, there are many traps in online lending, such as beheading interest, too high interest in the later period and too high overdue penalty interest.
Will the above problems occur in group loans and online loans? Is it reliable to borrow money through the group loan network?
At present, the application conditions for group loan network loan application are that the age is between 22 and 55 years old, and the personal credit record is required to be good; Have a stable job and income; Have a social security payment record or my credit card; You can issue a second-generation ID card with a real-name mobile phone number.
Judging from the loan conditions, the loan requirements of the group loan network are not too much.
Online lending shows that the average lending rate of the group lending network is 10.3%, and the platform is a matching lending service. The loan interest rate will definitely be higher than 10.3%, and the loan will cost 1 10,000 yuan. The interest generated in one year exceeds 1000 yuan, and the loan interest is relatively high.
When choosing a group loan online, we must find out the loan interest rate, whether the loan amount is our own amount, repayment methods and other issues. The general online lending platform is overdue and the penalty interest will be high.