not bad
Second, what should I do if I urgently need to borrow 200,000?
If you need money badly and want to borrow money, there are many channels: for example, a bank, you can apply for a loan directly from the bank. Banks provide various loans, such as credit loans, mortgage loans and secured loans. And the loan period is short-term, medium-term and long-term. But bank loans have strict requirements for borrowers. Not only should the age meet the requirements; You must also have a certain income and the ability to repay the principal and interest of the loan on time; Personal credit is also good, and there can be no bad credit records on the credit report. In addition, you can apply for a loan from a lending institution. However, when choosing a lending institution, we should pay attention to those institutions that are formal, approved by the CBRC and have financial licenses. After all, the loan market is mixed, and it is easy to meet molecules when choosing small loan companies. The simplest and most direct way is to APP；ly for online loan and download online loan app; Or you can apply in official website, WeChat official account and Alipay life number. The application threshold of many online loans is relatively low, but many of them are informal and have high interest, so everyone must pay more attention when applying; And you need to apply from official formal channels to avoid personal information leakage and cause security risks. Problems needing attention in online lending: 1. The loan procedures should be complete; 2. The purpose of borrowing should be legal. 3. The loan interest rate should be appropriate. 4. Loan collection should be timely; 5. The loan guarantee must be available. Legal basis: Provisions of the Supreme People on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases Article 26 If a lender requests the borrower to pay interest at the interest rate agreed in the contract, the people shall support it, except that the interest rate agreed by both parties exceeds four times the market quotation of one-year loan at the time of the establishment of the contract. The "one-year loan market quotation" mentioned in the preceding paragraph refers to the one-year loan market quotation issued monthly by the National Interbank Funding Center authorized by the People's Bank of China from August 20th, 20th, 20th19th. Now, we need to know clearly what are the routines when borrowing money. If you don't know, let's study together. Insurance premium I believe many people have applied for online loans. Some lending institutions will prompt you to pay the insurance premium on your loan page. Although the amount is not high, if you don't buy it, the application will not be successful. There are also some illegal online loans, which will charge high fees in the name of insurance premiums and behead them in disguise. Everyone must pay attention.