30,000 college student loans 30,000 college student loans

One-year interest on fixed-term bank loans of 30,000 yuan

According to the benchmark interest rate of one-year loans stipulated by the People's Bank of China, 4.35%, the annual interest of a loan of 30,000 yuan can be calculated as 1.305 yuan. The algorithm is as follows: the known principal is 30,000 yuan, the interest rate is 4.35%, and the loan term is 1 year. Substitute into the loan interest calculation formula: interest = principal interest rate, loan term = 300004.35%, 1 = 1305 (yuan). The results show that the annual interest of the loan of 30,000 yuan is 1.305 yuan.

Due to different loan types, the conditions and materials for applying for loans are also different. The following will introduce the conditions required for several common loans.

Loan type 1: personal credit loan

Personal credit loan is a fashionable loan method, so what are the conditions for applying for this kind of loan? Usually, the bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income and a certificate of loan use; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan. After submitting the relevant application materials, the bank can apply for a loan with a monthly income of 5-8 times after approval, that is, an unsecured loan, which is a new loan of Ping An Bank.

Loan Type II: Housing mortgage loan

The reason why more and more people choose real estate mortgage loan is that the loan interest rate is generally the benchmark interest rate, and the pressure of repayment is relatively small. So what are the conditions for applying for this kind of loan? Generally speaking, in addition to the strong requirements for the income and credit of the lender, the life of the house should be within 20 years and the house area should be more than 50 square meters; The house has a strong liquidity; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. In this way, you can apply for a loan of up to150,000 with a maximum term of 20 years after submitting relevant information and obtaining the approval of the bank.

Loan Type III: College Students' Entrepreneurship Loan

College students pay more attention to this kind of loan than we thought. Many areas have support policies for college students' entrepreneurial loans, such as loan subsidies or interest-free loans. So what are the conditions for applying for this kind of loan? Generally speaking, college students' entrepreneurial loans require: college students and college students who graduate within two years; College degree or above; 18 years old or older. Relatively speaking, the application conditions for this kind of loan are relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank, and you can get the loan after approval.

I am a junior, and I borrowed 30,000 yuan on campus. I was photographed. What should I do?

When you are short of money, you don't have to borrow money in a daze, but once you are threatened by photos, you must keep a clear head and don't make mistakes again.

Call the police first and ask the other party to lend you 30 thousand yuan. How much money did you get and how much money have you paid back now, including interest? Don't be afraid, taking pictures is nothing, including what you returned before and how much you returned. There is nothing more. Just don't. Save each other's information and provide it to the police. They are rats. Don't be afraid of them. Be safe.

There is nothing to be afraid of. Don't call back yet, as long as they threaten you, keep their messages and phone recordings, and then call 1 10! The police will do the rest for you.

Why take pictures of the loan? This is a threat. You'd better call the police first. As long as you have all the campus goods and personal information, why do you take pictures? There's obviously something wrong. Don't let personal reasons affect your future. As for the reasons for getting a loan, don't listen to others. This is your private affair. Others have no right to make irresponsible remarks. Repaying the principal through normal channels is a trivial matter, when to repay it, the principal and interest.

Don't say you owe money for this thing, you can do whatever you want. Threatening others to pay back money is no different from the underworld. Since threats should be combated by legal means, the state should support any right of reputation, portrait, privacy and spiritual compensation.

My mind is not studying, but thinking about eating and wearing all day. My parents give you living expenses. Vanity urges you to borrow money, drives you to the wall, and makes your parents suffer with you. The state should also introduce policies to crack down on campus loans and routine loans. Return the people to a pure land!

If you don't return the photos, the online loan is still unclear. When you repay 30 thousand yuan, other expenses, late fees, liquidated damages, etc. Will be born immediately. As a greedy child, the only thing I don't know is to call the police. A rural student borrowed 2000 yuan, and his family paid back more than 10 million yuan. It hasn't been paid off for years. Now the family can't even go home for the Spring Festival, only two elderly people in their 80s are at home. A few years later, it still hurts people.

Naked goods can't be returned, which is quite troublesome. Generally, only college students will be deceived. With their understanding, they can be rewarded in advance, but they ignore the trap set by the other side. If they had money, they wouldn't go in. When they are due, they will understand that they are wrong, but that is not the point. The problem is that another trap and inducement is wrong again, and then it is not what they want to do.

When the interest exceeds/kloc-0.0 million yuan, people are already at the mercy of others. Students who borrow 3,000 yuan can squeeze out enough money to buy beautiful mobile phones. They can earn10 million yuan a year in minutes and pay back more than 3 million yuan in less than two years. Unless there is no equivalent property at home, they can't escape those people, and you haven't seen bandits with certificates. Please don't borrow money to harm your family. It is best to choose goods from the national bank, or ask several students to borrow money from each other.

Poppy is just a flower. Someone wants to turn it into a flower, but you will be fine if you don't smoke it. Money is just money, someone has to turn it into money, but if you don't borrow it, you will be fine! The sin lies not in money, but in vanity itself. What happened to the money?

Photographing itself is not the key to the problem. The problem is that you borrowed money and didn't pay it back. You broke the contract, and you should be punished. Do you think your photo is worth 30 thousand? If someone is willing to pay 1 10,000 for all my photos, I will be very happy. If you think it's worth 30 thousand pounds, then you can return it. If you don't think the photo is worth 30 thousand, don't return it, just let it go

Call the police first, and provide the police with photos of how you borrowed money and evidence of your repayment. This is a typical campus loan, and now the state severely cracks down on campus loans. Finally, I hope this can give you a warning. You should love yourself, don't borrow some money online, and upload your photos to criminals. It has not caused any serious consequences yet. If it does happen, it's too late to regret it!

Children should concentrate on their studies at school. They can't keep up with the competition and spend too much on school. They need to use money to tell their parents that online loans have hurt countless young people and report to the public security organs for consultation. They should discuss everything with their families and don't make their own decisions, so as not to be hit economically and mentally.

As a student, every expense is your parents' hard-earned money. It is understandable that you want to stand on your own feet, but you are still a student and have a deep social routine. You shouldn't try it. You must learn to take every step of your life step by step. When you can earn money on your own, you should consider reducing the burden on your parents. I hope you are all right! Good luck!

In recent years, campus loans have hurt many college students, most of whom use private photos and videos (including ID cards) as "collateral". The loan seems very simple and does not require proof of income. However, high interest rate is the key. College students without income go further and further on the road of vanity, enjoyment and comparison, which eventually leads some college students to go to the road of no return and even end their lives.

In my junior year, I took out a campus loan of 30,000 yuan and was photographed. What should I do? In fact, the best way is to face up to the problem and solve it: tell your parents or other close relatives, repay the loan, get your private photo back through legal channels, and get on the right track from now on! Otherwise, the deeper you get into it, you will be affected all your life!

First of all, campus loans are full of temptations, and many students can't live.

Nowadays, there are many kinds of credit products, such as staged music for campus, love of learning loans, and interesting staging. Listen to how concerned and boring this name is. "Love learning loan" is considered as a student loan, but what they advocate is that you only need to change tens of dollars every day, drink less coffee and buy two bottles of drinks. As long as you buy the latest tablet computer, you can enjoy the latest iphone immediately.

What a tempting statement, college students are an age that loves beauty. If the classmates and friends around you like to keep up with the joneses, it is easy to join various "campus loans".

However, these enterprises will not provide you with loans for no reason. You should know that in the world of adults, you still need to prove that you have the ability to repay, so that you can borrow money to buy a car and a house, and students can't give you loans unconditionally. Therefore, the fox's tail will eventually be exposed, that is, taking private photos and ID cards as threats.

To put it bluntly, they know that many students can't afford to repay their loans. They just want to make a profit, that is, let you fall into the abyss where high loans can't be repaid. In other words, from the first campus loan, you are wrong!

Second, paying off the loan is the right way. Don't think about robbing Peter to pay Paul. The crooked move will eventually kill you!

The first step was wrong, the loan was made, and it was a fait accompli. That can only be corrected in the second step to make up for your mistakes. Some students can't repay their loans, but the trend of keeping up with the joneses has taken shape. What should I do? Just a bunch of tricks: find a rich boyfriend, just have money, what feelings are you talking about? It seems that it is not difficult for college students to go to acupoints or nightclubs to earn money by themselves. If someone drags them into the water, it will be too smooth, or find someone like michel platini.

Because of online loans, you are urging repayment every day, thinking that your private photos have been leaked. How can we learn this state well? In addition to the immediate loan, if you don't face up to your own problems, you will develop a trend of comparison, luxury and material things and enter the society. As you can imagine, you can do anything for money!

At present, 30,000 yuan is too much for a student. For parents in the city, this may not be a big problem; Of course, if the problem itself comes from remote rural areas and it is difficult for parents to collect their children's tuition and living expenses, then 30 thousand yuan may be sky-high for their families. However, in any case, please remember that at this time, you must face up to the problem, notify your parents in real time and ask for their help. Even if you sell iron in a pot and borrow money from your relatives, you must pay back the money as soon as possible. You are only a junior, and you still have a long way to go.

Once you encounter a campus loan, you should immediately tell your parents and the school that it is time to repay it. Photo infringement, lawsuit. In short, don't try to solve the problem by yourself, or you will only get deeper and deeper.

Most of the victims of campus loans are female students. Girls have just entered the university, and their recognition of the seriousness of the matter is not high. Under normal circumstances, it is also easier to spend impulsively. When you can't afford the expenses, you can easily fall into the trap of campus loans.

Campus loans often capture the timid psychology of girls. When borrowing money, let girls take their own private photos, and once the repayment fails, use it as a threat. In recent years, there have been many incidents in which female students are threatened by campus loans.

Because of their thin skin, teenage students feel that their privacy is in the hands of others, so they dare not resist at all, let alone disclose the slightest information to their family and friends, silently bear a lot of interest, and finally push themselves step by step to "no return."

As a college student, we always think of ourselves as adults, so many things, especially bad things, are unwilling to let others intervene to help solve them. I think I can handle it alone, but it often backfires and eventually gets out of control!

However, paying off debts is a matter of course. The campus loan was originally what you wanted, so you still have to pay it back. As a student at school, if our financial capacity does not allow, we should seek the help of our parents in time.

However, the illegality of campus loans lies in unreasonably high interest rates and the threat of using photos taken by lenders, which is not allowed by law. Therefore, after paying off the money, you can go to the campus loan institution, which is reasonable and legal.

Son, as a college student, how can you believe in campus loans?

2065438+September 6, 2007, the Ministry of Education explicitly banned campus loan business, and no online lending institution may issue loans to college students.

Now that the Ministry of Education has spoken, it means that campus loans are illegal. I suggest you call the police directly!

You don't have to worry about becoming a "faithless person" because you can't afford it.

Because on June 2, 2020, 65438+, the highest level issued the "Opinions on Further Strengthening the Implementation Concept of Goodwill Civilization".

The "Opinions" stipulate that full-time students who become executors because of "campus loans" are generally not allowed to be included in the list of untrustworthy or restricted consumption.

In view of your situation, Mu gives you the following suggestions:

1 I honestly explained this to my family, returned the money to others, and returned the photos at the same time.

If the borrower doesn't return the photos, I suggest you call the police directly.

If the borrower threatens you with photos, please call the police directly, and don't be intimidated by the lender!

Pay attention to protect yourself, don't go out at night, and don't be asked out at will to avoid injury.

Some people may ask, why do people want campus loans? Parents' living expenses are not enough?

I think a large part of the reason is to satisfy its vanity. For example, buy expensive Apple mobile phones, Apple notebooks and brand-name bags.

If you want to get rid of the trouble of campus loans, Mu gave the following suggestions:

1 study hard and don't concentrate on dressing up or keeping up with the joneses.

Once you have vanity, once you like to compare with others, I think your living expenses are not enough.

What if it's not enough? It may be the beginning of your "campus loan".

If you need money badly, ask your parents for it, and never borrow money on campus!

Once the campus loan happens, the nightmare begins.

Remember, no matter how others confuse you, you don't want a campus loan!

You should have a certain ability of recognition and judgment, don't be fooled by other people's sweet words, and don't listen to so-called "friends" to make campus loans.

Concluding remarks

Mu hopes that you can "learn from your mistakes" and don't make the same mistake again.

Mu also hopes that other students will not make similar mistakes.

A junior student with a campus loan of 30,000 yuan was photographed. I really want to ask you if you are stupid. Do you dare to use this money? Is 30,000 yuan the principal or all the interest? What did you do with this 30 thousand? I'm afraid if I can't pay it back. Why did you go early? I really want to beat you up for a child like you. Have you ever thought that 30,000 yuan is a continuation of your parents' hard work?

Let me tell you one thing first:

1. Tell your family truthfully and tell your parents the specific reasons and expenses of borrowing money. Even if parents are angry again, they will protect their children and help you find a way!

Whether the money is not returned or not, the other party's use of photos as a bargaining chip involves intimidation and threats. You should call the police boldly, let the police come forward to help solve the problem and let them delete the photos!

It is only natural to pay back debts, regardless of whether the other party is legal or not. Since the money has been spent, it should be paid back, so that parents can find ways to raise money and minimize losses.

4. Let the police and their families help deal with the aftermath of campus loans. If you are harassed for a long time without being blamed, the money will not be clearly exchanged.

5. Dare to say no to illegal activities. Campus loans only threaten photos, because students are simple, timid and afraid of family and friends knowing. You are desperate, so you just need to break the net and don't issue it as a hard shell, so that your legitimate rights and interests can be protected and criminals can be brought to justice.

The purpose of students going to college is to learn knowledge, which is nothing more than luxury, dressing up, eating, drinking and having fun, not just learning knowledge.

The money you borrowed can't be used for study. Now that the police and parents have solved the problem for you, do you want to reflect on your past? The university is about to graduate. What did you learn at school? How many subjects failed? Do you want to adjust yourself in the next competition?

How long will it take your parents to save enough 30 thousand yuan? Looking at your parents who work hard every day, do you have the heart to go on like this? Wake up, son! Make up what you left behind and be a good student in the sunshine.

First, inform parents immediately; Second, call the police immediately; Third, report to the school immediately and seek protection; Fourth, take the initiative to conduct psychological counseling, get out of the shadows, and resume normal study and life; Fifth, learn a lesson and think twice before doing anything.

visual angle

Don't worry, now the Civil Code supports you to call the police directly!

analyse

The Civil Code of People's Republic of China (PRC) adopted this time clearly points out "prohibition".

So don't worry about your business. If he threatens you by taking pictures, you can call the police. Don't be afraid, let alone afraid!

Releasing is a crime that has violated the criminal law, and taking pictures is also illegal.

Ice media wants to say

Don't be afraid of such a thing. First of all, you should eliminate your worries and don't let your heart be confused.

The second is to request legal aid accompanied by others!

Son, call your parents and tell them the truth. Don't delay for a minute, and then ask your parents to go to the police with you. Never carry it yourself again, you can't carry it! You don't have to worry that your parents won't forgive you. You should know that no matter how big a mistake you make, they will forgive you.

Also, you should keep the relevant evidence of campus loan, which is very important for uncle police. Don't do anything stupid! As long as you work hard, you can earn back 30 thousand yuan in less than the first half of the year.

A girl in our university jumped off a building because of a campus loan! At that time, her mother had come to school. I don't know what NianLia said, so I asked her mother to wait for her downstairs in the dormitory. She said she was going up to get something. Then she jumped down from the upstairs and died directly in front of her mother. Her mother fainted at that time! After her mother woke up, she went home without crying at school! It is said that her mother went home, but she was saved.

Everyone says it's not worth it! A fresh life has withered for tens of thousands of dollars. Some people say her mother blames her, but I don't think so. Shouldn't parents criticize such things? If you make a mistake, you should listen to adults. Adults have forgiven you, and they will want you to learn a lesson, so don't do stupid things just because your parents complain a few words! There are no obstacles. I believe that with this experience, you won't make such a mistake again.

In particular, a "junior" student encountered a difficult problem. When I learned that the country had already banned some tragic "campus loans", you were still deeply involved. With your knowledge and IQ, you are a thousand miles away. As a parent of a middle school student, you are deeply saddened and sympathetic. But I don't know the reason, whether the relevant departments of school affairs didn't give enough education, or whether you were forced by unspeakable secrets at school or your parents didn't do their best. If you compare yourself blindly just to save face, it's all wet. As a "high flyers", you should know that it is inevitable to compare yourself in daily life, especially as a knowledgeable person. However, this comparison is not better than dressing beautifully and eating high-end, but rather than comparing yourself with others in terms of knowledge, wisdom and achievements, because today and in the future, the government or enterprises pay attention to "ability". In addition, I suggest that as parents, even if they are "frugal" for the future of students, they should overcome "temporary" difficulties, ensure students' living security, and do their best to reduce undue pressure and make it smooth. Junior year, isn't it almost over?

Anyway, in the face of the current "school loan" dilemma, it is suggested that the student tell his parents truthfully first, and then ask the school's competent leaders to help solve it. If there is no result, don't listen to rumors, call the police decisively, and the law enforcement department will judge whether the loan relationship is legal, whether it should be repaid or how much. If it is reasonable, people should be honest all their lives and try their best to fulfill their repayment obligations. If it is illegal, they will deal with it according to law.

I have a say in this question. In fact, my friends around me actually have such an example.

My friend is a boy. He left school a long time ago and has been working outside. He made a girlfriend at work and got married when he came home that year.

Because his recent marriage didn't last much, his parents didn't actually get much. After all, they are all in the countryside, so he thought of the idea of getting rich overnight. Being infected with online gambling is actually a very fatal thing. Online gambling is really harmful. He asked me to pull over, but I refused directly. I don't believe in getting rich overnight.

As a result, you can imagine that you won a lot of money at first, then you got deeper and deeper, and finally you owed a foreign debt. After robbing Peter to pay Paul, things got bigger and bigger. Finally, my daughter-in-law and I had a bad idea-naked loan.

At first, I borrowed 50 thousand yuan. They took pictures together and were naked. People say this is a large loan. 50 thousand actually got 30 thousand, and the other 20 thousand said it was interest and service charge

Later, when the money was not paid, they were asked to blackmail and even sent photos and videos to their parents. I was also asked to borrow money from me. I borrowed a little, but I was afraid to borrow more. In the end, there was nothing they could do. The money they borrowed can't even pay interest. In the end, there was nothing they could do. They didn't pay back the money at all.

If you say no, you won't give it back to me. People don't agree. As a direct result, people come to his house at night to post advertisements, which belong to them and mosaic their faces. The next day, I almost collapsed. This is a lot of noise. My friend went out with a knife and said he was going to kill those people. Fortunately, his parents stopped him

In the afternoon, they called the police. Actually, I want to say that we should call the police earlier, or we should trust the people's police. Naked loans are illegal. The more you flinch, the more arrogant they become. When the police know about it, they will directly tell my friend to talk. Oh, you don't have to pay back the money. You can give it to them later, and they will take care of it. Don't worry about your photos and videos.

About two weeks later, the police came to their house again and said that the matter had been solved, but the money would not come back. Let's buy a lesson. Borrowed 30,000 yuan and paid back nearly 1.5 million yuan.

So you were photographed as a junior this year. Don't be afraid. Just call the police and hand it over to the people's police. You should trust them, not just compromise and fear. That will only let criminals know your ignorance and cowardice. Besides, university is not a place to compare with others. If you don't have the money to ask your parents for it, just give yourself enough flowers instead of keeping up with others. Girls have to respect themselves to make others love you.

The poor must be hateful. You must consider whether you can bear the consequences of what you have done. You are adults and should be responsible for your actions.

What are the conditions for a loan of 30,000 yuan?

To get a loan of 30,000 yuan from the bank, you need to meet the following conditions: the age is between 18-60 years old; Have a certain repayment ability, preferably a stable income and work, and do not need workers to submit economic proof materials; Personal credit information is good, and there can be no overdue or illegal records in the credit information; The personal debt ratio should not be too high and the debt ratio should not exceed 50%. To meet the above basic conditions, users can apply for a loan of 30,000 yuan in any bank, but whether they can pass the loan audit depends on the audit results of the bank.

I am a junior, and I borrowed 30,000 yuan on campus. What should I do?

Introduction: When it comes to loans, everyone should be familiar with it. Nowadays, many young people spend in advance, but after spending, they find that they are unable to repay. There are not a few such cases, but I hope everyone can repay the loan after the loan ends, otherwise personal credit problems may be affected. After discovering that they had borrowed money, they had to find a way to repay it.

1. Borrow money from parents and pay it back first.

If you want to borrow money, you need to borrow it within your ability. Some people just want to borrow it, but they never consider returning it. You should know that all loan software is networked with the personal credit information platform. If there is no overdue behavior, they will come to collect and go to the credit website, which will have some influence on buying a house and a car in the future, especially for college students. If you borrow 30,000 yuan, then find a job and try to pay back the money, but if you feel that you can't finish it for a while, then ask your relatives and friends to borrow money from your parents, pay it back to him first, then go to work and pay back their money slowly, which is less than the interest on the loan.

Second, rational consumption.

Learn to consume rationally. Although the present society is wonderful and there are many things, you should be sensible when shopping. Don't think they are fine, they all want to go home, or they can't control their desires. You must know that this situation will be disastrous, because their collection method is very bad. First of all, they send text messages and call home to collect money, and may even make your school and your job. For yourself, the negative impact is. Besides, when I was in college, I tried my best to work and study part-time. In this way, I can protect my life and give myself more choices to improve my quality of life. You can't just enjoy it, you can't exist without giving.

This is the 30,000 college student loan and 30,000 college student loan launched at the end of the year. I wonder if you found the information you need from it?