What about the existing installment loan?

That is, there are stages that are legal. Although when signing a loan contract, there are many items to be paid by installments, which add up to high costs, but the state does not stipulate interest and the law does not protect it. If the arrears are not paid, even if they are paid in installments, they will be collected. After winning the case, if the judgment is not fulfilled within the performance period, they will apply for enforcement.

Article 24 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases.

If the borrower and the lender have not agreed on interest, the people will not support the lender's claim to pay interest. The interest agreement between natural persons is not clear, and if the lender advocates paying interest, the people will not support it. Except for the loan between natural persons, if the agreement on the loan interest between the borrower and the lender is unclear, and the lender claims interest, the people shall determine the interest according to the contents of the private loan contract and the local or the parties' trading methods, trading habits, market quotation and other factors.

Article 25

If the lender requires 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 listed interest rate in the one-year loan market when the contract is established. 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.

Is it regular in stages? Will the repayment be overcharged?

What you said should be phased. At present, market feedback is not a formal loan platform. If you borrow money, you must choose a formal platform, which is also a guarantee for yourself. For lending institutions, the safest and most reassuring thing is banks, and most of the small app loans on the market are unreliable.

Selection of lending institutions:

For lending institutions, banks are the first priority, followed by consumer finance, and then small loan companies. Especially, it is not recommended to apply for private lending. For loan suggestions, it is best to find out the scope of application of loan products first, and don't apply blindly, otherwise it will often cost more than the gain, and it will easily consume personal credit information, and it will be impossible to continuously obtain funds in the later period.

List of platforms of formal lending institutions:

1, Jingdong Finance

Officially independent from 20 13, specializing in internet financial investment, there are many sectors, including payment, insurance, loans, investment, crowdfunding and so on. It has developed rapidly in recent years, among which JD.COM gold bars have become the first choice for young users to borrow. They can apply by downloading Jingdong Financial APP, WeChat official account and official website.

Product: JD.COM Gold Bar

2. Ant Finance (Ant Financial Services)

Ant Financial was established in June, 20 14. The most famous products are Bai Hua and Lending Bao. At the beginning of the loan, 10 month has 10 million users. Up to now, the application channels have not been fully liberalized, and only through high-quality lists, invitations and activities, the threshold is low.

Product: Let me borrow it.

3. Weizhong Bank

As the first Internet bank in China, the loan product of Tencent Wechat Bank is micro-loan. Because of the early time, it was very popular at the beginning and was regarded as the "originator" of small loan products on the Internet. However, the follow-up operation was not strong, and it was overtaken by other small loan products. If qualified, it is still a good choice.

Products: small loans

4. Suning Consumer Finance

Suning also has many consumer installment loans, such as cash loans such as free payment (installment), free loans and free loans, which can meet the borrowing needs of many people. The application threshold is low, and the second payment (3 seconds withdrawal) is higher than other platforms. Download APP and micro signal to apply.

Products: Pay at will, borrow at will and lend at will.

5. Xiaomi Finance

Xiaomi's mobile phone is also loaned. With Xiaomi's account, you can get a certain amount and withdraw your consumption. The amount of products with pure credit, no mortgage and no loan is not very high, and it is easier for users who hold Xiaomi mobile phones to apply.

Product: Xiaomi loan

Do you have a credit report for installment payment?

That is, there is an installment credit report, and users must repay on time after borrowing on this platform, and there can be no overdue repayment. It should be noted that if it is overdue, the platform will collect money. The common collection method is to call the borrower. This kind of collection will affect the normal life of individuals. So loans overdue must not return it.

Users should pay attention to the interest charged by the platform when applying for installment loans. If you charge more interest, it will increase the burden of subsequent return. In fact, there are many ways to borrow money online. Users can choose the platform that suits them by comparison, but they should pay attention to the regularity of the platform.

Instant installment is a loan product under the financial company, which was launched by Shenzhen Instant Information Technology Co., Ltd. to provide shopping malls and loan services for young people. Real-name authentication is required when using, and different users get different credit lines.

Youyou information technology co., ltd was established on July 20th16th15th. Its registered place is Room 20 1, Building A, Qianhai Shenzhen-Hong Kong Cooperation Zone1(settled in Shenzhen Qianhai Business Secretary Co., Ltd.). The registration authority is Shenzhen Municipal Market Supervision Administration, formerly known as Shenzhen Friends Information Technology Co., Ltd..

Version information: Take version 3. 1.9, Apple13 (iOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.

202 1 is the current status of the staging company.

202 1 There are installment companies. At present, the market has all been withdrawn to Guangdong. It seems that they have been greatly challenged and their numbers have been reduced by more than half.

First of all, there is a definition of staging.

That is, staging is a segmented consumer loan specifically for low-income groups such as young people. Because of the emergence of segmentation, there is a process for users to enjoy consumption better. That is, the branch was formally established in 20 14, with its headquarters in Shenzhen, China. In real life, that is, in stages, it is mainly aimed at loan personnel in need in Shenzhen, and it is provided for such personnel. At the same time, it provides consumers with online and offline consumption scenarios. By the end of 2002 120000, there were more than120000 cooperative stores, and its rules were constantly expanding, becoming a famous cash installment shopping APP in China.

Second, there is a phased crackdown on overdue behavior.

1, with high overdue cost.

First, debtors face high overdue costs. The installment business requires the debtor to pay overdue liquidated damages, which is clearly recorded in the loan contract. If the debtor fails to repay the loan within the time limit, it will generate high overdue liquidated damages, and if there are too many overdue liquidated damages in the later repayment, it will bear higher costs.

2, a place of dishonesty, many places have restrictions.

In other words, at one stage, we have started to cooperate with local arbitration institutions to conduct online arbitration, and the arbitration can be issued in half a month at the earliest. Once the arbitration commission makes a judgment of default in repayment, even if the debtor does not participate in arbitration, it will be included in the blacklist of overdue debtors, and the debtor's flight, high-speed rail, exit and high consumption of patients will be affected.

3. Online shopping is also difficult.

After 20 15, some credit platforms signed a memorandum of cooperation with the Supreme People on credit punishment for those who broke their promises, and docked on the special line to enjoy the information of those who broke their promises, punish those who broke their promises, and deduct points from those who broke their promises. APP packaging.

As of May 20 19, * * * has won 260 cases, of which 25 defendants applied for compulsory execution and 7 defendants were sent to the "credit blacklist" to restrict consumption. It is one of the important methods to file a lawsuit against overdue debtors and use legal weapons to safeguard the legitimate rights and interests of enterprises. In other words, people concentrated on handling overdue debts in batches and achieved remarkable results. Most debtors pay their debts according to the judgment.

What should I do if I am cheated by stages?

That is, the interest on installment is very high. On the surface, it looks like a regular small loan company, but it is actually a loan company. Therefore, his interest must have exceeded the upper limit set by the government. After discovering that he was cheated, he immediately communicated with the loan company. After all, the other party broke the law first, so we can fight for our own interests appropriately. If the other party is aggressive, then we can call the police directly or find a lawyer to coordinate the handling. Don't ignore each other.

With the development of the Internet, various companies have sprung up in our field of vision, and many of these companies are unqualified, and most of them are operating illegally. Therefore, you must be cautious when lending money online, and don't be fooled by the other party's rhetoric. It is best not to borrow money from some small platform loan companies. Borrowing through some large state-owned banks is more reliable, not only the interest rate is very transparent, but also the debt collection is not violent.

We must control our consumption desire in life. Nowadays, many people have developed the habit of spending in advance and want to buy what they like. Even if you don't have financial strength, you borrow money online. On the surface, it looks glamorous, but in fact, it is heavily in debt, and many people simply have no ability to repay. When they encounter violent debt collection, they don't know how to deal with it, and some people even choose. We must learn a lesson.

Under the severe attack of the government, the current loan companies have become more and more formal, but it is undeniable that there are still many companies operating illegally around us, most of which are allowed to lend. Although it is easy to get loans from these companies, you only need to provide information such as ID number, but the interest rate of loans is very high. If it is not improved in time, it is likely to be subjected to violent debt collection. Therefore, don't take risks, call the police in time when you find that you have been cheated, and safeguard your own safety.

How about the existing installment loan? This concludes the introduction of whether the existing installment loan is a regular loan company. I wonder if you have found the information you need?