How harmful is online lending to young people? Have you ever had an online loan?

That is, it just ruined my life.

That is, this life is over.

In other words, the life I live now is far from my ideal and the life I should have achieved.

Is that people around you no longer trust you.

Just wasted a few years of youth.

Really, it's not harmful,

I just want to die.

Dear sister, I paid back 420,000 yuan for the first time, but a few days ago I found that I borrowed 6 1 again, and the whole family was going to collapse!

May +0, 265438,

She asked her family for 40 thousand yuan,

The reason is that she opened a shop in Taobao to sell clothes and lost all her money.

He still owes the bank more than 40,000 loans,

Dad thought it was normal to lose money in business, so he returned the money.

A few days later, someone called her father and asked if it was XX's father. She still owes them some money, so let's pay them back quickly.

Dad called her to ask about the situation, and she said she was a liar. Ignore her.

Then my father called me and told me the situation.

As soon as I heard this, I quickly contacted my sister to ask about the situation. I didn't answer the phone, and I didn't reply to the text messages. My parents can't reach her.

My mother was so worried about her accident that she couldn't get up directly in bed.

I made countless phone calls and sent countless text messages in one night, telling her that it doesn't matter even if I owe some money, I can afford it at home. Don't kill yourself.

Finally, in the middle of the night, I finally replied a short message, saying that she is fine and don't worry.

It's okay, just pay back what you owe, and you can afford tens of thousands of dollars.

Later, I found out that we all want to be naive.

The next day,

Always feel that something is wrong, go to her and ask her face to face.

She didn't see us at first, but finally found someone without saying a word.

After a day's ideological work,

She just admitted that she owed a lot of money.

We were all in despair when she wrote down the money she owed.

Only part of the credit report is available, and part of it is not. Three credit cards, micro-loans, flower borrowing, Meituan, Suning, Baidu, and 360 owe 420,000 to more than a dozen platforms! !

The key to spending money is to buy cosmetics, clothes and recharge games. A mobile game called ghost story alone charged tens of thousands of dollars, and the mobile phone said to change it, which is too extravagant.

My parents are farming at home, and I am also in the stage of starting a business. No one can come up with so much money.

Later, I borrowed some money from the bank at a low interest rate, and my classmates also borrowed some, and my family deposits were also paid back one after another.

She said she wanted to go out to work to earn money and help pay back the money. We thought she repented and wouldn't borrow any more, so we agreed to let her find a job.

Who knows it's the beginning of another nightmare!

Today in May,

She suddenly said that the object wanted to borrow money from her to buy a house, and the loan needed to be checked. She's a little nervous.

Dad knew something was wrong as soon as he heard it After asking clearly, the whole family was really desperate again, and borrowed more than 50,000 small loans.

It turned out that she said to go out and look for a job.

Actually, I only rented the house to hide from my family. If you don't go to work, you will have no income, and you will not dare to ask for it from your family.

You can only borrow money to spend again.

We can only blame us for trusting her too much,

At that time, it was said that working in Chengdu could earn 5 thousand a month.

We are all blinded by trust!

Now there is no laughter in the past at home, and eating is silent!

She didn't go home either, and the whole family was crushed by her alone.

The harm of online lending has a great influence on my family. I hope my sister will wake up soon.

The reason behind owing so many online loans is actually my sister's poor self-control, laziness and vanity.

Online lending is a loophole for people, and it is like an abyss for people with weak self-control.

I hope that my sister's affairs can alert friends and stay away from online loans!

Online loans are not easy to touch, and the lesson of blood.

Online lending is as harmful to human beings as drug trafficking. How much harm do you think?

It really hurts. Can we thoroughly crack down on this kind of behavior that seriously harms society?

At present, Gitzo has three outstanding loans and 2,000 outstanding loans, but none of them are overdue.

It's huge.

Tell me about my experience.

A few days ago, my neighbor's sister said that she would go back to her hometown for a few days and asked me to help take care of her cat. A few words later, I realized that her nephew Xiao Xiao committed suicide, only 23 years old. The reason is that I chose this road, because I borrowed 800 thousand online loans, and I can't afford it.

Neighbor sister said that my brother's hair turned white in a few days, and my sister-in-law cried dizzy.

23 years old, just graduated from college for a year, what a good time. His parents worked hard to support him for so many years, and he committed suicide just before he went to work and had time to repay his parents.

When I asked Xiao, I found that the situation was more serious than I expected.

The small family is an ordinary farmer. After Xiao was admitted to the university, his parents had a hard time with only living expenses and tuition fees. Seeing that students often have the latest mobile phones, AJ also wears them, so I envy them. I asked my family for money several times, but it was limited after all. Later, I heard from my classmates that I could borrow online loans, so I began to borrow online loans to buy the electronic products, clothes and shoes I wanted.

The first accident happened in junior year, when he borrowed about tens of thousands, and the result rolled to more than 200 thousand. Xiao's parents had to sell the house they had prepared for Xiao in the county and pay off their debts to Xiao. ..

At that time, Xiao cried that he would never borrow it again. But later I learned that he didn't completely confess at that time, and he also concealed part of the arrears and didn't tell his family. This unpaid money, plus the money borrowed later by Xiao (travel, renting, etc.). ) and finally rolled to more than 800,000.

The neighbor's sister said that Xiao should be ashamed to tell his parents again. After all, the house has been sold and the family can't afford to repay it. Coupled with the pressure of debt, Xiao finally chose the road of suicide.

You asked me if the harm of online lending is great, and people's lives are gone. What did you say?/Sorry?

Tell me about my experience. At first, I was in urgent need of money occasionally, but I couldn't get so much money at the moment, and then I began to borrow Alipay. The first repayment was quick, and it was only borrowed for 5 days. Is it a loan in the future or equal principal and interest? If you borrow it for a few days, the interest will only be a few dollars. Later, it will become that the front is full of interests, (digression, it is a pit). There is a first time, there is a second time. Borrow as much as you can at first, and you can pay it back after a while. You can borrow 5 thousand slowly, and it will take some time to pay back 3 thousand In this way, the snowball will roll bigger and bigger in a year or two. After reading the above experience, is it like taking drugs? After the first time, the car couldn't stop. The final result is to borrow money, micro loans, credit cards, flower beds and other online loans, totaling more than 200 thousand. Coupled with the mortgage, it feels like 30 days a month for a while, and a few days is one of the repayment dates. After the salary came down, all the loans were paid back. I don't know where the money I earned has gone, and there will never be any money left. The loan feels endless. Life is completely chaotic, and people's fighting spirit is exhausted. They sigh every day and lose confidence in life. I feel like I'm on drugs again The key is that the interest of these online loans is actually quite high. The interest of hundreds of thousands of dollars a month is not worth it.

Finally, how did I solve this problem? I think I can share it with you, which is very useful. Finally, I made up my mind to sum up all the loans, and then I went to the bank for loans, such as the fast loan of CCB and the online loan of ABC. Anyway, banks now have similar personal consumption loans. The amount depends on personal credit information and units, mainly provident fund inquiries, and the interest is quite low. For example, the average annual interest rate of borrowing money has reached 16 or 7 points, and the consumer loan of banks is generally 4.6 points. If you borrow 1 00000 years, you can save more than1000. Then I borrowed more than 200,000 yuan from CCB and ABC respectively, and paid back all the online loans. Generally, these loans can be lent for one year. In fact, it can be renewed at the end of one year, and it is enough to pay one or two hundred interest every month. Now, I only use bank loans to pay off the online loans first, and there is no new debt every month. There is no online loan, and there is a deposit every month. No matter how much you can save every month, 12 thousand will do. What can only be saved every year is returned to the bank, and the loan will continue to be renewed if it is not finished every year. At least now it's not like before. All the funds are in chaos. I don't know how much I spent and how much I earned. At present, I generally don't have a bank loan. It is acceptable to pay interest of several hundred yuan a month. Then calm down, work hard and start saving money every month. Anyway, the bank's loan interest is quite low, about 4 thousand to 5 thousand per 100 thousand, so we can only slow it down first. If the online loan is100000, the light interest will be167000, which is really unbearable. I traded my bank loan for time to pay my debts. Fortunately, I have never been overdue.

I really learned my lesson this time, and I will never spend in advance in the future, especially the online loan consumption in advance, which is really ruining people. * * * and all my colleagues! ! !

How dangerous is usury?

Borrow 20,000, spend 7,000, and use credit card 1 0,000. It's okay. Take your time.

Hundreds of thousands have been paid and hundreds of thousands are still owed. I want to die. His family was poor and his son lost at the starting line.