At present, online loan products, such as Manshan, have many dangers when it is convenient for us to borrow money. The biggest danger is that criminals use the platform to cover up and make friends who are not familiar with online loans suffer huge losses. Therefore, you must keep your eyes open when you borrow online, and don't jump into the pit of a liar.
First, look at the company's qualifications.
Formal online loans must be filed by the industrial and commercial departments before they can be licensed to conduct business. In other words, the industrial and commercial departments engaged in lending have inquired, and if the industrial and commercial departments have no filing information, it is irregular.
Second, look at the registered capital of the operating company.
Although the registered capital has little influence on lending, the strength of the enterprise can be judged from the registered capital. If the registered capital is less than 5 million, you have to be careful.
Third, look at the landline.
Mobile phones can only be used after real-name authentication, unlike mobile phones, which can be applied casually. If the lending institution does not leave a fixed telephone number but only a mobile phone number, it must be carefully selected.
Fourth, look at working hours.
Regular online lending companies definitely have relatively fixed working hours, and generally stop handling all-weather office loans after work.
Verb (abbreviation of verb) depends on the application channel.
Now many small companies mainly have ICP filing and company notes, including registered capital, legal representative, registered address, etc., based on websites and apps.
If it is an APP application, please carefully identify the download channel, whether it is direct download or download through the third-party application market, and download in the formal application market, such as Apple appstore, App Store, and application market. And the apps downloaded through these channels can only be verified by the platform.
Sixth, look at the loan amount.
Online small loans are mainly short-term and fast, and most of them are controlled within 50,000 yuan (except for well-known big platforms, such as Alipay, WeChat, Xiaomi, Wanda and banking system). ). If the loan platform is not a big platform and is not famous, claiming that it can enlarge the quota, for example, it can be handled within 1 10,000 yuan, then it is a liar in nine cases.
Seven, look at the loan interest
Regular online lending rates are relatively high (except for large platforms), and the average daily interest rate is between five thousandths and five thousandths. If the contacted loan platform claims that the interest rate is much lower than the market interest rate, it is abnormal, and it may be that the liar is inducing the borrower with low interest rate.
Eight, look at the loan period
The loan term of most formal online loans is 1 year (some large platforms have relatively long term). If the loan platform claims to be able to borrow for three to five years, it is basically unreliable.
Nine, look at the charges.
The fees charged by the formal online lending platform are basically collected after the next paragraph and deducted from the amount of the next paragraph. If a lending platform charges before lending, it can be concluded that there are many fraud platforms.
Look at negative information
Before applying for a loan, search the platform through Baidu and other online channels to see if there is any negative information. If you have negative information, please leave consciously.
Second, what are the easy mobile phone WeChat loans? You can look at these five loan platforms.
Now WeChat is not only an instant messaging tool, but also a diversified life tool. We use wechat to pay water and electricity bills, use wechat to take a taxi and use wechat to order takeout. Of course, we can also use WeChat loans. Friends with loan needs can look at these five WeChat loan platforms.
The five mobile phone WeChat loan platforms introduced today are micro-loan, Hashaoyinjin, Zhongyuan Consumer Finance, Ping An Pratt & Whitney, and Yin Chang 58, all of which are relatively easy to apply for, and belong to regular licensed financial institutions, so don't worry about being routine. Let's briefly introduce these WeChat loan platforms: Micro-loan Micro-loan is the first product of Tencent's Weizhong Bank. The product is positioned as an internet microfinance product with a loan amount of less than 200,000, and the expected annualized interest rate of the loan is lower than that of the general credit card. Since the formal launch of micro-credit loans, the number of micro-credit loans has exceeded 30 million, and the accumulated loans have exceeded 30 billion yuan. What are the mobile phone WeChat loans? Microfinance must be the first choice. Ha Jin Ha Jin is a mobile phone WeChat loan platform, which can provide loans for everyone. It is one of the hottest. The maximum credit line can reach 200,000 yuan, the loan period is 24 periods, and the daily interest rate of the loan can be as low as 0.03%. Zhongyuan Consumer Finance Zhongyuan Consumer Finance is also a mobile phone WeChat loan platform for everyone. The maximum loan amount can reach 200,000 yuan and the daily loan interest rate can be as low as 0.03%. You can apply with your ID card, and the funds will arrive in 5 minutes at the earliest. Ping An Pratt & Whitney Ping An Pratt & Whitney is a mobile phone WeChat loan platform, and its I loan always has to grab the quota. Ping An Pratt & Whitney's I loan can be up to 30,000 yuan, and the salary loan can be up to 1.5 million yuan. Changyin 58 Changyin 58 is one of the mobile phone WeChat loan platforms. It is a regular licensed financial institution with a maximum loan amount of 200,000 yuan and a minimum daily interest rate of three ten thousandths. The loan interest is calculated on a daily basis.
Third, it is enough for WeChat to borrow money to know this.
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