What will happen to Hemei Microfinance?

How about Hemei Microfinance? Understand from three aspects!

; ? Now, online lending has become a big cake for various capitals to compete for. You can find many loan platforms just by searching online. Faced with so many loan platforms, most people can't judge which platform is better. Someone asked: how about microfinance with the United States? Let's talk about the situation here today.

Let's introduce the situation of microfinance in the United States from three aspects: platform background, product characteristics and market reputation, from which we can judge what microfinance in the United States is like.

Platform background

Hemei Microfinance is an online lending platform with the background of a listed company. The major shareholders are listed companies, Midea Group and Shenzhen United Financial Holdings. Hemei Microfinance was established on 20 12 with a registered capital of 200 million yuan.

Product characteristics

Hemei micro-loan mainly includes two loan products: extremely fast loan and consumption installment. The profiles of these two products are as follows:

Extreme speed loans mainly provide loans of1-200,000 yuan for everyone. The service period is 6-36, and you can apply at the age of 22-60. There are also many application channels for ultra-fast loans. Hemei Microfinance Mobile APP, PC and WeChat public platform can all apply.

Consumption staging

Consumption installment is a loan product with consumption scenes, which can be used for education, decoration and renting. The loan amount of this product is between 3000- 100000 yuan, and the service period is 3- 18. 65,438+08-45 years old can apply.

Market word of mouth

Judging from the situation reflected by netizens, there are not many times when small loans from the United States are spit out, and there are fewer negative news.

Generally speaking, Hemei microfinance has the characteristics of large loan amount and wide application scope.

Is Hemei Microfinance Bankrupt? Its situation is like this!

Does Hemei Micro-loan receive credit information? You should know all this before you borrow it!

Hemei's micro-loan has been overdue for several years, and today I sent a text message saying that I would sue.

Never mind, go to court and sue them.

Loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to repay the principal and interest of the loan to the bank that issued the loan according to the loan term agreed in the loan contract, and fails to go through the relevant extension or lending procedures, resulting in the loan exceeding the agreed term.

Hemei Microfinance Co., Ltd. was established on March 27, 20 12. The legal representative is Li Xiaoyang, and the company's business scope includes: specializing in micro-loan business (not absorbing public deposits). The borrower fails to repay the principal and interest of the loan to the bank that issued the loan according to the loan term agreed in the loan contract, and fails to go through the relevant extension or lending procedures, resulting in the loan exceeding the agreed term.

Hemei Microfinance said that overdue loans should be submitted to the place where the household registration is located for the record. Is it true?/You don't say.

Usually not.

1. Suffering from huge penalty interest: once the loan is not repaid in time, it will be penalized. In addition to the penalty interest, there will be liquidated damages, which will generally be very high.

2. Repeated collection: Once overdue for more than 3 days, the staff of Hemei Microfinance will continue to collect by SMS or telephone, which will seriously interfere with daily life.

3. being sued by the court: once the collection fails many times, Hemei Microfinance will also bring a lawsuit to the court. Once the case is won, the assets under the borrower's name will be frozen.

Is 202 1 and micro-credit legal?

Microfinance with Hemei is illegal. The evaluation of this microfinance platform is very bad. Many people who have seen it say that the interest in this platform is particularly high. Some people borrowed 50,000 yuan to pay back 654.38+10,000 yuan in two years, which has violated the statutory annual interest rate of 24%. Therefore, this is a lending platform similar to usury, and people who want to borrow money must be cautious. I borrowed money from this platform, and it is still unclear.

First, will Hemei Microfinance be collected at home?

Whether Hemei Micro-loan will be collected at home mainly depends on the loan amount and the length of overdue repayment. If the amount owed is not large and the overdue time is relatively short, it is usually collected by phone or SMS, and it is basically not collected at home. However, if the loan amount is large and the overdue time is too long, it may be collected at home. However, this does not mean that small loans do not need to be repaid. If you don't pay it back for a long time, no matter how much money, it may be taken away by your family. Therefore, in some specific cases, Hemei Microfinance will come to the door for collection.

Second, if you need money urgently, you'd better choose a formal lending platform.

Many people get carried away for a while because they are too anxious to use money. They choose platforms with particularly high interest rates to borrow money, mainly because the lending threshold of those platforms is low. However, if we really need money urgently, we'd better choose a formal lending platform, and the interest rate will be relatively low, which will not affect our lives.

Third, don't think about borrowing money to make a living.

In fact, many of these online loans are not protected by law. If someone around you is really caught in the online loan crisis, be sure to tell him to seek legal help as soon as possible. Although it is inevitable to pay back the money, it can reduce the interest. Secondly, don't think about borrowing money to make a living. The biggest question is what you will return in the future. Now many online loans are debt-free. Even if you don't know, you should ask your parents and family to help you pay it back, so don't be so stupid. If you can't borrow money, you'd better not.