Can anyone borrow money as easily as Xin Xiangtong?

Yes, Sweet Orange Loan Bao Sweet Orange Loan Bao is a personal micro-credit product paid by China Telecom Wing. Users can choose to apply for a loan directly in Wing Payment, or download the Sweet Orange Loan APP. At present, the maximum credit line for Sweet Orange to lend money to users is 200,000 yuan, and the minimum is from 500 yuan. Users with poor credit information can also try to apply, with a minimum daily interest rate of 0.02%.

Borrowing flowers, borrowing flowers is a personal credit loan product under Ctrip Finance. At present, users can apply for up to 200,000 yuan and the longest repayment period can reach 36 months. The minimum monthly interest rate for borrowing flowers is 0.6%, and users must be at least 22 years old. Borrowing flowers is not strict with users' personal credit requirements, and non-blacklisted users can try to apply.

Xinxiangtong is a personal credit product under Zhuzhou Xinxiangtong Information Co., Ltd. Users can apply for loans in Xinxiangtong, with a maximum credit line of 6,543,800 yuan and a minimum loan of 5,000 yuan. The difference between Xinxiangtong and other small loan software is that the longest repayment period of Xinxiangtong is 3 months, that is, short-term loans. At present, users in Tibet and Xinjiang are temporarily unable to apply for Xinxiangtong loan. Users in other regions who want to APPly for empathy can directly register and fill in the information in the app. Xinxiangtong is not strict with users' personal qualifications. As long as the user's personal credit information has not reached the point of "three tired six", you can try to apply.

It is illegal to borrow money from others when personal information is leaked. The victim is not responsible for repaying the loan. First of all, if the liability information is generated and the other party sues you, there is no clear evidence to prove that it is operated by itself, but you can provide evidence to prove that it is not operated by yourself, and this debt can be exempted from repayment responsibility! According to the "Provisions on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases", the court found the loan contract invalid because it successfully received the online loan by using someone else's ID card. When the lender brings a lawsuit to the people's court, it shall provide such creditor's rights certificates as IOUs, receipts, IOUs and other evidence that can prove the existence of the legal relationship between lending and borrowing. The defendant raised a factual defense against the plaintiff's creditor qualification. If the people's court considers that the plaintiff is not qualified as a creditor after trial, it shall rule to dismiss the prosecution. At present, the necessary process of loan is: real-name mobile phone number registration-reading address book-real-name authentication of ID card and bank card-applying for loan-filling in work information and other details-face recognition-receiving verification code of mobile phone number-confirming application-waiting for (partial) return visit of landline-only a few key points can be manually operated, which are limited to ID card, bank card and my bank card in specific scenarios. (For example, you will be asked to mortgage your ID card or mobile phone number every other day. ) I have a part-time job on campus, kept the license information, and did tasks such as real-name authentication of mobile phone number and bank card account opening, but I didn't take it in my hand or sell it to a part-time agent afterwards.

If there is debt, then we must:

1. Call relevant companies, explain the situation, request to cancel or freeze debts, suspend the interest generated from overdue debts, and provide relevant information about fraudulent operations.

2. Call the police, and inform the finance company in detail of the reasons, responsibilities and relevant evidence of leakage.

3. Pay attention to collecting evidence. In view of the fact that I didn't sign all kinds of contracts and evidences of fake loans, I can apply for legal appraisal. Note: If the relevant institutions refuse to solve the problem, they can bring a lawsuit to the people's court and ask the relevant institutions to bear the corresponding legal responsibilities caused by "lax examination".