It is not to advocate that everyone does not repay, but to treat it differently according to their own situation. I also have one or two such online loans under my name. The phone can't get through and the website can't be opened. Now I can't bear to deal with them. White note, immediate financial management, installment, online business loan has not been paid off, and there are some debts of two credit cards. In all, there are 70,000 to 80,000 foreign debts to deal with. It's been three years, except that the interest rate has risen a little, and the credit information is almost the same. Can sit, high-speed rail can sit, it has no effect on life. You can forget this 8000 yuan.
It is good to pay off the borrowed money as soon as possible. But don't take the debt too seriously and increase your burden. I don't owe1800,000 these days, and I'm embarrassed to say hello to people. This time cleaning up P2P, there will definitely be some waste bills that cannot be handled. Banks are allowed to have bad debts, so don't worry about it if you can't pay them back.
The state has clearly stipulated that loans with annualized interest rate exceeding 24% belong to usury. In this era of P2P network lending, all loan funds are strictly supervised by the state, and those usury and "beheading interest" have become history. Even if you don't pay it back, no one will hold you accountable.
This does not mean that you can not pay back the money you owe, but that the interest on the money you owe exceeds the interest stipulated by the state, and you can choose not to pay back the extra interest. But some loans you usually use, such as mortgage, car loan, credit card, loan and online merchant loan, all need to be repaid normally.
It is normal for us to encounter capital turnover in our daily life, but when borrowing money, we must do what we can, borrow as much as we can, and return it as soon as possible after use, so that our lives will not be affected.