Is micro-loan beneficial to the people true or false?

But the technical strength is still not good. Within minutes, the page crashed.

There is something wrong with the copywriting in the process. Even caused the tucao of Wang Xing, the founder of Meituan:

Of course, this also explains the popularity of this activity and why it is so popular.

In fact, the answer is simple: the reward is ok.

The rules of microfinance activities are as follows:

Invite every friend to inquire about the micro-loan quota for the first time, and you will get 20 yuan to charge cash-filled red envelopes, and the red envelope will go directly to the WeChat account. In other words, those who are invited to check the quota for the first time will be rewarded.

But how much will it cost to get this 20 yuan red envelope?

1. First of all, even if you only check the limit, you will also check your personal credit!

I was screened by my friend this morning. First of all, I despise the friend who sent this message. Some people even commented that they really got a red envelope of 20 yuan without checking the credit information.

In black and white, it is written to inquire about the credit records of the People's Bank of China in a unified way, and even lied about not checking the credit records.

2. What is the impact of inquiring about credit information?

Microfinance inquiry will also show the inquiry record on the credit report. Note that it is a query record, not a loan record.

In the banking system, micro-loans, loans and IOUs also belong to the category of online loans, and all major banks are eager for online loans, because too many inquiries or use of online loans will make banks think that you are seriously short of money.

Once or twice occasionally, the impact will not be too great, but if you inquire too much, whether you apply for a mortgage or a credit card, the bank will consider your debt and repayment ability when lending money, and may not approve or lower the limit.

3. I suggest you cherish your credit information and avoid online lending.

Even if you borrow a small loan, please do it as soon as possible, and don't overdue it, otherwise the impact will be more serious!

4. Correct lending channels and methods

If there is a real demand for funds, it is suggested to find a formal bank loan or apply for a few credit card turnover, which can not only raise the credit limit, but also bring benefits to the bank and realize more detailed cooperation.

If you don't understand the essence of microfinance, the following needs your attention:

1. I saw many people forwarding activities in the circle of friends. What kind of "Flower Garden" activity is this on WeChat? Don't believe it, it's micro-loan, micro-loan (the important thing is said three times), not flowers! Stay away from this as soon as possible. What attracts you to scan the code is pure debris. Don't be misled!

If there is no need to borrow money, don't check the credit limit, but check the credit.

Microfinance belongs to lending, and behind it is Internet banking. Therefore, we must check the credit information of PBC when checking the quota, and check the credit information every time we borrow (note that it is every time).

What's the impact? If you need to buy a house or apply for a credit card now, don't use a small loan. Because the bank thinks that you have more loans, more credit cards and more debts, it will worry that you can't afford the loan and affect the repayment. In short, if it is not necessary, don't check the credit information. No more than five times in half a year, no more than three times in three months, and the interval between each inquiry should not be too short.

3. Distinguish between small loans and flower beds.

Baihua and JD. The IOU of COM is actually an online credit card. Therefore, the use of flowers and white stripes needs to be based on certain consumption scenarios. You can't cash it directly, and there is an interest-free period. And you can think of microfinance as a loan, which is a cash loan product. Cash loan interest is not low! Generally around 4000 yuan, choose carefully before opening.

If you don't have many friends, then this activity is not suitable for you. Stop fooling around, you won't make much money.

If you participate, be sure to remind your friends that you really need to borrow money before you decide to open a small loan. Otherwise, it is not recommended to open it, and do not look at the quota out of curiosity.

Related Q&A: Related Q&A: Have you ever used WeChat micro-loan? People are floating in the Jianghu, how can they not be stabbed! Everyone will be in trouble and need Jianghu emergency! When you need money badly, borrowing money from relatives and friends may hit a wall. As a result, some online loan financial apps came into being. For example, we often use micro-loans from WeChat, debit cards from Alipay and gold bars from JD.COM. Can I get a small loan?

Have you ever used this micro-loan friend because you need money to buy a house urgently? Can I borrow this?

Microfinance, like other lending applications, supports microfinance. You need to fill in your own details when applying, and there will be a strict review process. Its daily interest rate is 0.05%, which is reliable in terms of safety and reputation. After all, it is the product of the Internet tycoon.

If the platform evaluates your information, it will lend you money. Tencent will give you a quota. For example, if you borrow 6000 yuan, how many months can you set to pay off the loan? The longer the time, the higher your interest will be. Although micro-loans and loans can really help us solve our urgent needs, I personally suggest not to borrow. Why?

First, if you borrow money, you have to pay it back. The longer the repayment period is, the more interest you will get. Tencent relies on these to attract gold. Then in the process of repayment, if you are short of money again and don't repay on time every month, your reputation will be affected. So if you have other ways, you can try to borrow it from relatives and friends, so at least there will be no interest.

Second, there are many such loan apps on the market. Many friends who have no self-control covet temporary happiness and borrow a lot of money to spend in advance. It is easy to indulge in pleasure. The temporary quickness often leads to wandering back and forth between making money and paying back money all the year round. After one year, you can't save any money at all, and even you will rob Peter to pay Paul, which will lead to a vicious cycle of repayment. There are also many tragedies caused by borrowing money online. Therefore, whether it is a formal platform loan or a small company loan, don't touch it if you can.

Internet giants' lending products are still trustworthy, which means paying back the principal and interest. You can borrow it if you can accept it. But I will stick to my personal opinion, and don't touch these things if you can. Have you used these lending apps? If used, do you generally choose Tencent's micro-loan or Alipay's loan?

Thank you for reading, the code word is not easy, if my answer is helpful to you, remember to give me a praise and attention! Xiao Pang sends you scientific and technological information every day!