Is Xin you a big liar? Next, I will tell you from my personal experience for your reference. Welcome to comment. Thank you?

Yes, Youxin Pratt & Whitney and Renren Loan jointly lend usury, and the intermediary service fee is higher than the loan interest rate, with a comprehensive annual interest rate of 38%. In the rogue legal society, people's contracts are perfectly written, and loans are issued to unspecified people aboveboard at an annual interest rate close to or exceeding usury.

First, what system has the state introduced to help illegal online lending platforms collect credit information, reduce the losses of lenders, crack down on debt evasion, and publish the list, but there is no mention of beheading interest, how to deal with usury, and no one cares about our borrowers' complaints and reports. If the interest on online loans is reasonable and compliant, how can so many people choose to be overdue, and the interest rate is as high as 40%, and such interest countries also allow credit collection? No reply will be given to the objection to the credit application. The state can not only introduce laws and regulations to crack down on debt evasion, but also the borrower should be bound by the legal loan interest rate. If the borrower encounters illegal interest, it should also be dealt with seriously by the relevant departments. High-interest online loans must be strictly screened before they can be used for credit investigation. I hope it will help lenders, but we should also consider usury, beheading, routine loans and violent collection (friends and friends are the most vicious online loans, with interest rates as high as 42.64% and serious beheading. They are not afraid to report complaints, so they are legal. If it is illegal, how can the country let the credit information be received? The actual monthly interest rate reflected by the credit investigation is inconsistent with the contract amount. They knew at a glance that the interest rate was already high. If it reaches more than 36%, it is a high interest rate.

2. 1, Banking system loan: There is basically no usury in the banking system loan, so you can rest assured that you can lend. But if you do bank loans, the priority is like this, such as real estate mortgage loans, consumer credit loans, credit card installment universal funds and so on.

2. Consumer finance companies under the bank: for example, Hubei Consumer Finance, Bank of China Consumer, Industrial Consumer, these are all formal, but compared with banks, the loan amount is lower and the interest is relatively higher, but it is more suitable for ordinary people, because banks have much higher requirements for credit loans, and it is easier for these consumer finance companies to get loans.

3. Small loan companies: The interest of this kind of loans is generally above 2%, but it is not usury, because the interest is divided into interest within one month+platform management fee, and management fee is not interest. But you should also pay attention to the management fee when borrowing this. Some management fees or handling fees are very high. Bian Xiao suggested that it is best not to borrow it unless it is absolutely necessary.

4. General online lending: The amount of online lending is generally low and the threshold is low. Basically, most people can borrow it, and the interest is not high, because it is basically a small loan. However, when making online loans, everyone must be careful not to overdue, otherwise it may experience violent collection or address book explosion. If it is overdue, the interest will continue to roll.

5, the giant's formal online loan: This kind of security is ok compared with online loans, because there is a "golden owner" as the backing. Some amounts are ok, the interest is normal, and it can be used in some cases. But the main thing is not to use it more, because frequent use may have an impact on loans from other banking systems, such as buying a house. If you use it too much, the bank may refuse to lend.