Have you recovered the loan from Huiren?

Not yet. Huiren Loan, founded on 20 13, is a website of HNA Group and operated by Beijing Oriental Huisi Information Technology Co., Ltd., a subsidiary of HNA Group. 2065438+participated in the survey in August 2008. Huiren Loan was established in August 20 12. The company consists of many elites who have served in foreign banks, Chinese banks and first-line Internet companies for many years. Is a financial services company focusing on retail finance. For users with capital needs and financial management needs, Huiren Loan has built a fair, open, transparent and honest investment and financial management trading platform, which can achieve lower borrowing costs and more stable expected annualized return on investment.

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1, online loan

P2P online lending refers to direct lending between individuals through the Internet platform. Individuals include natural persons, legal persons and other organizations. As a new lending platform in peer-to-peer lending, loan companies usually operate online, so they can operate at lower management costs and provide cheaper services than traditional financial institutions.

2. Online lending is not usury.

Online lending does not necessarily belong to usury. If the interest on online loans exceeds four times the quoted interest rate in the one-year loan market, it belongs to usury, and the excess is not protected by law, and the debtor may refuse to repay this part of interest. However, the principal and legitimate interest must be repaid, and the law does not prohibit some debtors from voluntarily paying more. If no interest payment is agreed in the online loan contract, it shall be deemed as no interest. If the agreement on interest payment in the online loan contract is unclear and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.

3. How long has the online loan record disappeared after the credit investigation?

If it is only the inquiry record recorded in the credit report. Query records are kept for 2 years, and the records are automatically deleted after 2 years. If it's a loan record. Will be retained by the credit reporting agency for 5 years, and the records will be automatically eliminated after 5 years. As for overdue records, they will be kept for 5 years from the date of settlement and will be automatically eliminated after 5 years. If it is not resolved, the overdue records will be kept. Generally speaking, the online loan records recorded on the credit information will be inquired. Loan records and overdue records. In most cases, the contents uploaded to and recorded in the credit report need to be kept in the credit report for 2 years.