First, registered as a borrower in Qian Duoduo;
Second, submit the examination and approval materials;
Third, the Qian Duoduo platform will be audited within 24 hours; Fourth, after approval, it will be published on the Qian Duoduo online platform for financing.
Qian Duoduo loan application materials
First of all, you need to provide your ID card and household registration book (from the head of the household to the blank page); Single need to provide single proof; Marriage requires marriage certificate, spouse ID card and household registration book; Divorce requires proof of marriage history. Second, the real estate license, the land use right certificate and the original scanned copy of the production transfer. More than 5 original scanned photos of the actual situation of the collateral. Third, the borrower should also provide the original or copy of the credit report. Fourth, scanned copies of original purchase invoices (receipts) and contract documents of shops and office buildings.
Regarding the Qian Duoduo platform, many people say that it is easy to use because of its high interest rate and high recovery rate, but at the same time, many people on the Internet say that it is a runaway and suggest not to use it.
1. Penalty interest usually occurs when the loan is not paid off on the interest payment date. The bank will temporarily list it as a collection note and call the borrower to remind him to repay within 7 days. If it is paid within 7 days, the bank will not charge any late fees. However, if you don't repay the loan for more than 7 days, the bank will classify the loan as "collection" and "deferred repayment", and then you must pay the late payment fee or penalty interest.
2. The second day after being blacklisted and recorded in the bad credit file, the name of the lender will appear in the internal system of the bank, and the credit report will inevitably leave a bad record. If you haven't paid your bill for more than three months, it's very serious.
3. Affect future loans and credit cards. As long as it is blacklisted, mortgages and car loans will be affected. Penalty interest is only a loss of money, and a bad credit record is a loss of intangible assets, and its influence cannot be compensated by money.
4 can't enjoy preferential mortgage.
5. No flying, high-speed rail, driving, and children can't go to aristocratic schools.
6. It may affect a person's career. For students who have been studying in loans overdue for more than 90 consecutive days, banks or schools can publish their names, photos and ID numbers in the media.
7. Be sued by the bank and executed by the court. If a lawsuit is filed, the court will take property preservation measures according to the creditor's application, freeze the deposits of the lender and the loan guarantor, and seal up the corresponding real estate, vehicles and other property. After the judgment, it will be enforced according to law.
8. Those with serious circumstances will be punished by law until they are sentenced. If they have the ability to refuse to implement the effective legal documents, those who are executed will be punished by law, including judicial custody, until they bear criminal responsibility.