What are the black loan platforms?

The black loan platform includes flying mouse loan, Mi Gu loan, money and road.

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First, the harm of peer-to-peer lending

1. Credit investigation. There are many loan records. Banks will never lend money when they see such a credit report.

2. The amount is very low. The amount of online loans is generally not high, generally only 1000 yuan, mainly short-term, with extremely high interest.

It's hard to land. People who apply for online loans think that they don't have to pay back the same thing if they borrow money. When they pay back the money, they often "rob Peter to pay Paul", looking for new ways to continue borrowing, and finally make a profit, but the accumulated debt is too high to control.

4, leading to overdue. Excessive borrowing can easily lead to overdue. Whether you can't repay it or really forget it, overdue will form a stain on the credit report.

5. violent collection. In case it expires, you can expect endless violent phone calls and text messages. A phone call threatening to kill a continuous phone call may seriously affect you and make you and the people around you feel uneasy. This is just a piece of cake.

6. Since then, I have never had a chance to get a loan. Many people's online loans have expired many times. Personal credit report is too dark to read. Banks and online lending institutions have long listed you as a high-risk customer. Even if the credit information is spotless, even if it is a high-interest small loan, the bank will seriously doubt your repayment ability, and it is even more impossible to lend it to you. In fact, the harm of online loans goes far beyond these. If you can't borrow online, you will face a series of problems. Let's have a look.

Second, the consequences of non-repayment of online loans

1. High penalty interest and liquidated damages. High penalty interest refers to the lender's failure to repay the specified amount of loan on time within the specified period, thus calculating the corresponding high overdue penalty interest. If the debtor extends the overdue period for a period of time, the agreed interest will be higher, but no matter how high it is, it cannot exceed the legal scope stipulated by our laws. If the loan is not repaid, the lender will be required to pay the corresponding liquidated damages. Therefore, it is best to develop good repayment habits to avoid causing more problems in the future.

2. Credit damage. If the loan is not repaid, it will also affect its credit. Now many banks and online lending companies have adopted the * * * enjoyment system. If you borrow money from a bank or an online loan company, you won't pay it back. Then, it is possible that other online loan companies or banks will know about your loan default. If you want to apply for a loan in the future, it is difficult or even impossible to get a loan. Because your credit has been damaged.