Online loan belongs to bond investment, with clear income, and the lender obtains interest income; However, people often confuse it with equity crowdfunding. Equity crowdfunding is an equity investment with flexible income. Investors get future income through investment companies, such as Beijing North Crowdfunding, 36Kr, etc., all of which belong to equity crowdfunding platforms. Whether it is bond investment or equity investment, there are certain risks. Investors should fully understand the risks, have sufficient knowledge and mental preparation for taking risks at their own risk, and judge and bear the risks of the project on this premise.
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Skills for overdue repayment of online loans:
1. Actively negotiate and take the initiative to repay.
Don't wait for the overdue online loan call to come before you want to negotiate. Before the deadline, you can contact customer service to negotiate repayment, give a grace period or directly reduce interest. If customer service disagrees, you can call several times.
2, insiders, sincere attitude
When communicating with the collection staff, you need to be sincere. Don't just say you have no money. They are tired of hearing this. After you can tell the difficulties, express your good willingness to repay, list your repayment plan, and show that you have work income and are trying to raise money.
3. Be reasonable and keep the evidence.
If there are irregular behaviors such as membership fees and audit fees, or there is a phenomenon of violent collection, you can keep relevant evidence, understand certain legal knowledge to negotiate, pay due attention to your own words, and don't use language violence.
With the above three negotiation skills, we should also pay attention to the following points:
1. You have to receive the call. You know, running away is not the way. Harassing contacts without answering the phone. Maintaining telephone contact is conducive to negotiations.
Don't panic if the address book is exploded. You can send a circle of friends to show that your identity information has been leaked. Ignore it.
3. If there are illegal collections, such as fake lawyer's letters, subpoenas, arrest warrants, etc. The other party's crime will be very serious and you can call the police or complain.
4. If someone contacts you for a fake collection, you can only repay the principal and let you transfer it privately. Don't believe it. Whatever the outcome of the negotiation, don't transfer it without permission.
If the online loan is overdue, it will have the following adverse consequences:
1. The penalty interest will be charged from the overdue date until the customer pays it off in full. However, the penalty interest rate of many lending platforms will rise above the borrowing rate. If the customer has been in arrears, I am afraid there will be a lot of penalty interest. By then, more and more customers will have to pay back, and the repayment pressure will increase.
2. The loan platform will submit the overdue situation to big data, leaving a bad record in it. However, some platforms or their cooperative lending institutions have the central bank's credit reporting authority, and may also report the overdue situation to the central bank for credit reporting, leaving bad information in the customer's personal credit reporting, thus causing the customer's personal credit to be damaged.
3. I am afraid that the platform system will start risk control on the customer's loan account and freeze the quota, so that the customer can no longer borrow. At the same time, due to credit damage, customers will probably not be able to borrow from other lending institutions, platforms or banks. After all, the other party will also check the customer's credit status when approving. Once problems are found, they will naturally refuse to approve the loan.