How to get a loan if you owe 100,000 online

Step one: Get rid of your bad habits. Bad habits mainly refer to some bad habits, such as smoking, alcoholism, gambling, violence, etc. Addiction to bad habits will lead to poor self-control, and you will spend money like water, without even considering whether you can afford it. I don’t have any legitimate job. When I run out of money, I borrow it again. If I don’t want to borrow it from one company, I will switch to another one. Going back and forth like this can easily get you into a vicious cycle of using loans to support loans. So if you want to go ashore, the first step is to restrain yourself and get rid of your bad habits. Step 2: Confess and seek help from others. Many people know that they can no longer pay the money, but due to face and other circumstances, they would rather tear down the east wall to pay for the west wall to finance the loan than ask their relatives and friends for help. . This will only make your debts get higher and higher, and once you reach the mid-to-late stage of debts, the collection will also explode your address book, letting your relatives and friends around you know that you are a person who does not pay back money. It is better to confess late than to confess early. The best way is to take the initiative to confess to your family, obtain their understanding, and pay off the debt together. Step 3: Negotiate with debt collectors. Take the initiative to negotiate with debt collectors to see if you can handle some interest suspensions and debt suspensions first, then repay the money first, and then make up the remaining interest bit by bit. If the lending institution does not agree, you can continue to negotiate and see if you can repay the loan in installments. If you repay the money at different points in time, your financial pressure will not be so great. The final step is to find a serious job, work hard to make money, and if you want to go ashore, relying on others is never the answer. Only when you have a certain income can you fundamentally solve the problem.

1. Online credit originated in the United Kingdom, and later developed to the United States, Germany and other countries. Its typical model is: online credit companies provide a platform, and borrowers and lenders bid freely to broker deals. In the traditional P2P model, online lending platforms only provide information circulation and interaction, information value identification and other services to facilitate the completion of transactions between borrowers and lenders. They do not actually participate in the lending interest chain. The lenders and borrowers directly have a creditor-debt relationship. Online lending platforms It relies on charging certain fees from both borrowers and lenders to maintain operations. In our country, because the citizen credit system has not yet been standardized, it is difficult for the traditional P2P model to protect the interests of investors. Once an overdue payment occurs, investors will lose their money.

2. The debt transfer model can better connect the financial needs of borrowers and the financial management needs of investors, proactively carry out business in batches, rather than passively waiting for their respective matches, thus achieving rapid expansion of scale. . It is closely related to the domestic Internet development that has not yet spread to the target customer groups of small and micro finance. Almost all online loan platforms established since 2012 use the debt transfer model.

Due to the lengthening of the credit chain and the high correlation between institutions and professional lenders, the P2P online loan form of debt transfer has been questioned more and is considered by many traditional P2P institutions to be "not P2P. And if there are risks, it will affect the P2P industry."

3. Generally, guarantee companies have weak risk control capabilities, followed by financial leasing companies and factoring companies, small loan companies are slightly stronger, and securities companies, the four major asset management companies, banks, etc. are stronger Licensed formal financial institutions have the strongest risk control capabilities and the highest level of risk control. Therefore, among these types of P2B platforms, the first type has greater risks, the second and third types are less risky, and the fourth type is similar to securities companies, A platform that cooperates with the four major asset management companies, banks and other strong licensed formal financial institutions, such as Wujie Wealth and Minsheng Yidai, which has the lowest risk, the highest security and is the most trustworthy for investors.