1. Will there be a charge before lending? Any behavior that requires you to pay pre-payment fees such as unfreezing fee, withdrawal fee, membership fee, capital verification fee, registration fee, handling fee and deposit before lending or withdrawing money is a common fraud in peer-to-peer lending.
2. Whether to calculate compound interest, that is, whether there is "accumulated interest".
3. The interest rate is higher than the national regulations. According to the relevant regulations, the interest rate of private lending cannot be higher than 36%, otherwise there will be suspicion of usury.
4. Whether the mortgaged items comply with the law. Generally speaking, land ownership, land use right and legally sealed property cannot be mortgaged. In case of violation of regulations, the loan company may be illegal and reliable.
Tips: The above information is for reference only, and no loan suggestions are made. At present, there are many channels to apply for loans. If you need funds, you can also consider a loan from Ping An Bank.
Ping An Bank has launched a variety of loan products, with different loan requirements, interest rates and handling procedures. Among them, the new one-loan credit loan is unsecured, unsecured, simple in procedures and fast in approval, with a quota of 300,000-500,000, and the age requirement is 23-55 years old. You can log in to Ping An Pocket Bank APP- Finance-Loan to understand and try to apply.
Reply time: 2021-11-24. Please refer to the latest business changes announced by Ping An Bank in official website.