Why can't online loans be touched?

Online lending is a new way of lending in recent years, which has done great harm to young people. The following experience is the personal experience of a 24-year-old young netizen, which deserves our vigilance.

Answer the new master, for the first time. Answer: At the age of 24, I touched something I shouldn't have touched, so that my life is very unhappy now.

Speaking of things that young people shouldn't touch, let me talk about my personal experience, which is the online loan that has sprung up in the past two years. By the way, you can download an app on your mobile phone, fill in some information, upload your address book, verify your ID card and take photos, and then you can get a loan. Although the amount is not large, it is very large. How did I come into contact with this?

12 went out to work. At that time, I didn't surf the Internet or gamble. I just have a bad habit, including vanity now. I was in Shenzhen with several fellow villagers. Everyone earns 2000-3000 yuan a month. We often go out to eat snacks in food stalls, making ends meet. So we thought about getting a credit card and applying for credit cards from several banks online every month. At first, we approved some low-level credit cards, regardless of the quota, and soon spent them. Later, the amount of credit cards approved was increasing, and the amount of credit cards used before was also increasing. At first it was 2-5 thousand yuan. Later it was1-30,000 yuan. The first two years were ok, my work was relatively stable, and my income and position gradually began to improve. However, it can't bear the handling fee of several credit cards with a monthly quota of more than 100 thousand to return to tx, and there is no restraint in consumption at ordinary times.

Moreover, at the end of 14, something worse happened. My family doesn't know about me. My parents think it's a tradition. I talked about a friend who wants to get married in the last two years. However, my family condition is very poor. Only my hometown has a simple self-built house. My parents wanted me to be good, so they discussed raising money to buy a commercial house in their hometown for my future marriage. After listening to it, I was out of my own conceit.

The price of the house in my hometown is very low, about 3000 yuan. I made an arrangement with my parents, and I will pay1-20,000 (my parents think that I have been working for two or three years, and1-20,000 exists), and they will settle the remaining down payment, and I will handle it next month. So I went to see a four-bedroom apartment with my father, and the total price was about 365,438+0,000, so I used a credit card to get 20,000 yuan and paid the down payment. The 90,000 parents behind the down payment paid with their own savings and borrowed tens of thousands from relatives.

After this incident, I began to worry. 16, 10 Pay the house in June, then decorate it immediately, and then pay it monthly. I still have a lot of debts. Although I always had such troubles at that time, consumption was not controlled, but it was getting bigger and bigger. As a result, before handing over the house, I began to be unable to bear the handling fee of credit card tx.

The last time I stepped into the abyss of debt was in May of 16. A credit card with its own limit of 33,000 yuan sent a text message saying that it could be upgraded to a temporary limit of 70,000 yuan. The result can be imagined. The quota of 37,000 yuan will be squandered in one month and will be paid back next month. At that time, I was afraid that I would be overdue, and I was afraid that I would never borrow money again. If I want to start a business or something in the future, it's over. So my first step out of the abyss is to borrow money from a small company outside. Because there are many credit cards and the debt is relatively high, I borrowed two, only 30 thousand. Then I borrowed money from my colleagues, advanced my salary, and barely filled in the temporary credit card limit.

Later, it was conceivable that the credit card was still in the handling fee of tx for the equal repayment of principal and interest of 30,000 yuan per month. I was only thinking about how to pay my debts, so I took my brother and girlfriend to get a credit card. Two months later, I approved a few more, adding up to about 40 thousand. This was my most regretful step, which led me to feel very guilty about them later.

When the building was handed over, I didn't have time to think about it and regret it in order to pay the house maintenance fund and deed tax (about 10, 1 at that time, my parents helped pay 5000 yuan) and the decoration money behind it. Finally, I confessed something about me to my parents. In addition to helplessness and disappointment (I still remember their expressions at that time), my parents also took out a loan of 60 thousand yuan to decorate.

After the renovation, my relatives thought it was the efforts of our family of four and often praised me in front of my parents, but my parents were bitter and afraid to say anything. I knew this in my heart, and then I took a more radical step. I booked a dozen online loans, saved about 40 thousand and bought new furniture for my new house. All this looks pretty good to outsiders.

Later, this year, the monthly payment was increasing, except for the handling fee of credit card to and from tx, the monthly payment of micro-loans and the tx fee of online loans (the interest rate is higher than that of credit cards, but the threshold is very low. For example, if you borrow 2000 online loans, you can only borrow them for 28 days, many of which are 14 days. ), the monthly repayment is about 30,000, and my income is only 6,000.

Then, in May this year, my girlfriend couldn't bear it. Finally, she left me euphemistically on the grounds that she couldn't get away from going back to her hometown to help her sister look after the store, and kept in touch with me all the time. After underpaying my girlfriend's income to fill my bottomless pit, around July, I began to have many overdue payments, and the collection company kept calling me and sending threatening messages. At first, I was still struggling, borrowing new online loans (up to now, 27 online loans) and looking for loans from my parents to help me. My parents were soft-hearted and finally dragged me into the water.

At the end of September, it really didn't move. Although I already know that I can't afford it, I am afraid of those collections and try my best to borrow money everywhere. People in their twenties and friends in their circle of friends are basically just beginning to develop and have little savings. I can't borrow it anymore I began to despair.

But the collection company ignored me and harassed me and everyone in my address book day and night. Then, I simply started to escape, and my phone kept turning off and changing numbers. Turn a blind eye to online loans, except that credit cards are not overdue, and other loans are good regardless of whether they are credited or not. I am hiding.

Finally, the company where I worked for five years ended, because the phone there had exploded and I completely lost my dignity. In early September, I left my job. My girlfriend who has been together for 4 years was scared by the text message sent by the company. Today, she broke up with me My parents often lose sleep because of me, and all my relatives know about it. My parents are even more embarrassed, and now they are all out of the house. Besides, the monthly payment for the house is now with my father. All my friends and colleagues used to know me, but now I dare not give them the praise of my circle of friends, for fear that they would hate me because they were harassed by the collection company.

Now, I don't have a stable job and a girlfriend for four years, which makes my parents physically and mentally exhausted, and all my friends and colleagues are afraid to contact. I have no confidence in my future, and I don't know what tomorrow will be like.

Having said so many personal experiences, the last thing I want to say is the temporary pleasure gained by these overdrafts in the future. For yourself and your family, you should spend rationally and treat your experience ability rationally.

I took myself in after watching it, and I really felt a cold sweat. I hope that netizens will take a warning and don't contaminate these online loans.