Is Ping An Zhi Lending Bank's loan reliable?

1. Is Ping An Smart Loan Star Loan reliable?

Reliable, Ping An Smart Loan Star is a pure online application, unsecured and unsecured credit loan, and the loan amount can only be used for consumption. It is a product launched by Ping An Bank to make loans according to users' credit rating. This product has certain requirements for users' credit reporting. If there is something wrong with the user's credit information, he can't get a loan. The star of Ping An Smart Loan is bank lending, which is very fast. The higher the borrower's credibility, the higher the loan amount.

1. What are the advantages and disadvantages of online lending?

The first case: If you have investment channels that can earn more interest than bank loans, you can borrow money.

The metaphor of the image is to borrow chickens to lay eggs.

In the second case: if you need money badly and you are short of money now, you can also consider taking out a loan.

This can solve the urgent need, but it needs to pay some interest. The average bank's monthly interest rate is between 0.3% and 0.9% (different types of loans, different interest rates), that is, you need to borrow 1 10,000 yuan from the bank to solve the urgent need, and you need to pay 30 to 90 extra interest to the bank every month.

These are two main situations. If not, you'd better not be in debt. Consider it according to your repayment ability.

For example, if you need100000, then the interest you pay to the bank every month is between 300 and 900, plus the principal of100000 that must be repaid.

If you think you can accept it, if you can't, you can find a way to solve it with your relatives and friends, but you owe me a favor.

The hazards of online lending are as follows:

Network bandwidth is risky. Compared with traditional lending methods, online lending is completely. The central bank has repeatedly made it clear that "annual compound interest exceeds the bank interest rate by 4 times and is not protected by law";

The inherent capital of online lending platform is small, so it can't undertake large amount of guarantee. Once there is a problem of large loan amount, it is difficult to solve it. Moreover, some borrowers also make loans for the purpose of fraudulent loans, and cases of absconding with money occur frequently.

Lack of supervision, because online lending is a new financing method, the central bank and the China Banking Regulatory Commission have no clear regulations to guide online lending.

Points for attention in peer-to-peer lending:

1. Note that no deposit is required.

Regular online lending institutions have strict loan approval procedures. Formal lending institutions do not charge any fees before lending, and repay on schedule after entering the loan cycle;

2. Choose a formal lending institution

Those who claim to be able to lend unconditionally must be swindlers or swindlers, and regular loan companies will certainly not lend money just by an ID card;

3. Reasonable selection of loan amount and term.

The size of the loan depends on the individual's financial needs. On this premise, I need to consider my economic repayment ability to avoid excessive repayment amount and pressure;

4. Be sure to repay on time.

Today, with the increasing penetration of finance into people's lives, a good credit record will benefit people for life. When personal economic difficulties occur, the borrower should take the initiative to negotiate with the lending institution and apply for extending the repayment period, that is, extending the repayment period or changing the repayment method.

Second, is it true to borrow money?

Usually it's not true. If the online loan application is overdue, such short messages are generally sent by a third-party collection company. Don't care too much. You only need to communicate directly with the loan platform and negotiate repayment. : What are the consumer finance loans? Traditional consumer finance (CF) is a modern financial service model that provides consumer loans to consumers at all levels. Whether from the perspective of financial product innovation or expanding domestic demand, consumer finance pilot has positive significance. There are many consumer finance loans, such as Gitzo consumer finance commodity loans and consumer loans, instant consumer finance comfort loans, good-term loans for consumer finance, full-time loans and privileged loans for Xiaoman Finance's rich flower platform, Suning Finance's willful loans, Jingdong Finance's gold bar loans, Ant Financial's loan treasures, and Lexin's installment music. In addition, other consumer finance institutions also provide customers with various credit consumption loans, such as Zhongyuan Consumer Finance, China Post Consumer Finance, Haier Consumer Finance, Yin Chang Consumer Finance, Huarong Consumer Finance, Yin Hang Consumer Finance, Jinshang Consumer Finance, Shengyin Consumer Finance and Happiness Consumer Finance. As long as customers pay more attention to maintaining good personal credit, there is no bad record in the credit report; And can provide stable income proof, have the ability to repay on time, and generally can successfully borrow money from the above-mentioned consumer financial institutions. Of course, if the credit is bad, you can't borrow money temporarily. It should also be noted that there are many unknown small loan platforms in the loan market. Although the application threshold is low, it is not recommended for customers to borrow money because they do not hold a financial license.

3. Where to go? Is the online loan formal?

Where to borrow money is a very reliable borrowing company. Now where to borrow money is a very famous loan company. There are many people borrowing money there. Lenders must meet the loan application requirements if they want to borrow money. Lenders must have a stable job and income and meet their age before they can borrow money.

Try not to overdue the repayment period. If overdue occurs, it will be reported, and too many overdue times will be blacklisted by the People's Bank of China.