How to pay back the money loan?

What is the name of the new version of borrowing money?

Forward loan

The new version of money loan is renamed forward loan, which is a platform. In March 19, platforms such as money loans were exposed by the "March 15 party". Users must choose a formal platform to borrow money online. Forward lending is not a formal lending platform, so it is best not to use it.

Borrowing money from Android: It is a powerful mobile phone lending software that can help you solve the money problem quickly.

Can I borrow money without an app?

There is an APP that makes long-term loans, and it has not closed down yet. There may be some places where borrowers are not very satisfied. Although I can't find the application treasure and vivo, it still exists. The channel for applying for loans is WeChat WeChat official account.

First, do you borrow money for credit?

Generally speaking, formal platforms collect credit information at the meeting, as long as it is paid off within the expected time limit, but the forward loan is not a credit information, so his credit information status is not very good, so you don't have to worry too much about your credit information when using the forward loan. However, if you don't pay back the money, the collection will be very strong, and you may come to the door according to feedback from netizens. The above loan does not require any collateral. Simply fill in the required information in the software and you can easily apply for a long-term loan. You can't fill in the information incorrectly, otherwise the approval will not pass, and the platform will avoid such false declaration, so you must fill in the information correctly. In this era, we focus on the micro-loan business below 5,000 yuan to help users get low-cost loans. However, if the cash loan is not repaid, the consequences will be more serious, because there may be a short message dunning.

Second, what about loans overdue in the future?

Under normal circumstances, many people will choose loans because they can't come. When making loans, they should choose the amount of loans according to their own economic conditions, otherwise they will not be able to pay. For example, if the loan is overdue on the forward loan platform, the consequences will be more serious. At first, the borrower may refuse to pay the penalty interest the next day after loans overdue, and in serious cases, he will report it to Sesame Credit. Once the credit is reduced, when you apply for a mortgage, the amount will not be very high, and you will be called for collection, which may affect you.

To sum up, if you want to borrow money, you'd better go to the formal platform to borrow money, so the interest is relatively low, and it is easy to pay it off within the time limit after borrowing, otherwise your credit history will be affected. If you don't pay it back, you may be called to collect it, and some will even be violent, affecting your property safety and personal life.

Borrowing money can't get credit information.

Credit report.

Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

credit report

At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, the personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and forms a verification mechanism of personal credit information.

Credit information

1. Personal basic information used to identify individuals and reflect their family and occupation;

2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;

3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;

4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers;

5. Other information related to personal credit.

influencing factor

The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.

Extended data:

March 19, 15, 20 19, and the "7 14 anti-aircraft gun" scam were exposed at the March 15 party of China Central Radio and Television Station, and were named by Chiyo and other platforms.

On the evening of March 15, CCTV exposed the "7 14 anti-aircraft gun" scam at the 3. 15 party. The so-called 7 14 anti-aircraft gun refers to those high-interest online loans with a term of 7 days or 14 days. Basically, 90% of them are mainly 7 days. In terms of interest, the annual interest rate is basically above 1500%. So it is called "anti-aircraft gun" by Jianghu.

At the party, a number of loan platforms were exposed by CCTV. These "7 14 anti-aircraft guns" include Kuai Yi Loan, Kuai Yi Loan Bao, Little Sheep, Tiantianhua, Ji Youmi, Shandao, Qian Furen, Jinchan Wallet, Fosun Bao, Xiang Qian Loan, Pipihua, Dingding Cat, Le Yi Loan, Egg Flower, Yihua and Miaobao.

On 20 17 12 1, the central bank and the China Banking Regulatory Commission issued the Notice on Standardizing and Rectifying the Cash Loan Business, which basically withdrew more than 90% of the cash loans with extremely strict regulatory measures, especially the requirements and restrictions on licenses. However, the loan demand of some people will not disappear with the ban on cash loans. The 7-day anti-aircraft gun lending model began to rise.

It is understood that the anti-aircraft gun platform is mainly based on seven days, and high-frequency turnover can allow funds to be quickly recycled. You can borrow the same fund four times a month. Plus the high interest cost, you can get back the principal after rolling for one month. Therefore, even if the bad debt rate is high and the risk control is in place, this model can be completely covered.

Many users rely on constantly borrowing new platforms to repay their original loans, so the real overdue tide may not have completely erupted. "This super-profit loan model is to let borrowers pay high interest in a short time. They seize the borrower's psychology of borrowing money and engage in illegal activities with "gimmicks" such as fast lending, fast payment and zero threshold. "