How to deal with supporting loans with loans?

How to quit using loans to support loans and how to go ashore?

Step 1: Get rid of your bad habits. Bad habits mainly refer to some bad habits, such as smoking, drinking, gambling, violence and so on. Indulging in bad habits will lead to poor self-control and spending money like water, whether you can afford it or not. I don't have a proper job, so I borrow it after spending money. If I don't borrow it, I'll exchange it for another one. So back and forth, it is easy to let yourself fall into a vicious circle of raising loans with loans. So if you want to go ashore, the first step is to restrain yourself and get rid of bad habits. Step 2: Confess and ask for help from others. Many people clearly know that they can't afford to pay back the money, but because of face and other circumstances, they would rather rob Peter to pay Paul to borrow money than ask relatives and friends for help. This will only make your arrears higher and higher, and once you reach the middle and late stage of arrears, the collection will also blow up your address book, so that your relatives and friends around you will know that you are a person who owes money and does not pay it back. It is better to confess late than early. The best way is to confess with your family, get their understanding and pay off your debts together. Step 3: Negotiate with the collection and take the initiative to negotiate with the debtor to see if we can deal with some suspended accounts first, then pay back the money first, and make up the rest of the interest little by little. If the lending institution doesn't agree, we can continue to negotiate to see if we can repay the money in installments and pay it back at different time points on average, so that our economic pressure will not be so great. Finally, it is to find a serious job and try to make money. If you want to go ashore, relying on others is never the way. With a certain income, we can fundamentally solve the problem.

First of all, online credit originated in Britain, and then developed to the United States, Germany and other countries. Its typical model is that online credit companies provide a platform for borrowers and borrowers to bid freely and reach a deal. In the traditional P2P model, the online lending platform only provides services such as information exchange and information value appraisal that are conducive to the completion of transactions, and does not substantially participate in the interest chain of lending. There is a direct creditor-debtor relationship between borrowers and lenders, and the online lending platform maintains its operation by charging certain fees to borrowers and lenders. In China, because the citizen credit system is not standardized, it is difficult for the traditional P2P model to protect the interests of investors. Once overdue, investors will lose everything.

Second, the creditor's rights transfer model can better meet the borrower's capital needs and the investor's capital needs, and actively carry out business in batches, rather than passively waiting for their respective matching, thus achieving rapid expansion of scale. It is closely related to the target customer groups of microfinance that the development of Internet in China has not yet spread. Almost all online lending platforms established since 20 12 are creditor's rights transfer models.

Because of the extension of credit chain and the high correlation between institutions and professional lenders, the P2P online loan form of creditor's rights transfer has been questioned. Many traditional P2P institutions think that this is "not P2P, and the risk will affect the P2P industry".

Third, because the risk control ability of guarantee companies is usually weak, followed by financial leasing companies and factoring companies, small loan companies are slightly stronger, and licensed formal financial institutions with strong strength such as securities companies, four asset management companies and banks have the strongest risk control ability and the highest risk control level. Therefore, among these types of P2B platforms, the first type of risk is greater, followed by the second and third types of risk, and the fourth type of risk is related to securities companies, four major asset management companies and banks.

What are the consequences of raising loans with loans?

The consequences of supporting loans with loans are as follows:

1. Increase liabilities and repayment burden.

Before the loan was raised, the borrower only owed a sum of money. After raising a loan with a loan, the borrower will not only owe a debt. Raising loans with loans, the more you borrow, the more money you owe, and ultimately increase your personal debt. Online loan products are different from bank loans. At present, the loan interest rate of online loan products is generally around 18%. If you support a loan with a loan, it will only increase your repayment burden.

2. Facing the surge of collections.

The consequences of raising loans with loans are more serious. The more loans, the higher the interest. If the personal income is not enough to repay the arrears, online loans will be collected as long as they are overdue, and many online loans will encounter a large number of collections at the same time.

3. Personal credit is affected.

Fixed loan by loan usually refers to borrowing multiple online loan products at the same time. As long as the online loan is overdue, it will affect personal credit information, and the online loan platform will upload the overdue information of the lender to big data and online credit information. This can easily become a blacklist of online credit information. After becoming a cyber hacker, it is basically difficult to borrow it again.

Tips:

Finally, it is more difficult to pay off the loan. The more you borrow, the higher the debt ratio. In a word, it is not a rational way to solve the capital problem by borrowing. Everyone should develop the good habit of rational consumption and rational lending, and don't fall into the trap of lending.

Extended data:

1. Is it illegal to support loans with loans?

It is not illegal and does not constitute a criminal act, but it violates the regulations. Borrowers are not advised to support loans with loans, because the consequences of supporting loans with loans will be very serious. This is a "robbing Peter to pay Paul" approach, which often makes borrowers unbearable in the end. Although it can temporarily alleviate the borrower's economic crisis, it will eventually bring great pressure.

Second, what does it mean to support loans with loans?

Supporting a loan with a loan means that the borrower borrows a number of loans to alleviate economic difficulties and uses the money obtained from the loan to repay the loan. The consequences of raising loans with loans are more serious. The more loans, the higher the interest. If the personal credit is not enough to support the continued loan, then the repayment pressure that the borrower needs to bear is enormous, and it is likely to be overdue and discredit the personal credit.

Supporting loans with loans is not a rational way to solve the problem of funds. Everyone should form the good habit of rational consumption and rational loan.

Ways to solve the problem of supporting loans with loans

To sum up, the solution to raising loans by loans is four words: "open source and reduce expenditure". However, in order to achieve "open source and reduce expenditure" under the situation of raising loans by loans, we must first start with "reducing expenditure", because most people have caused the situation of raising loans by loans because of irrational consumption, so to solve the current situation of raising loans by loans, the top priority is to control their own consumption. Make sure that you don't have any unnecessary consumption except the most basic daily necessities, such as games, snacks, luxury goods and other fast-moving products, so as to cut costs.

What needs to be done after throttling is open source. There are many ways to open source. The simplest and most direct way is for the borrower to find several suitable part-time jobs after his normal work. For example, those with computer drawing skills can find some part-time jobs such as Taobao artists, those with teacher qualification certificates can find some students to work shifts near their homes at night, and those with cars can go out to run Didi at night. Although you can't make much money in a month, you will stick to it for a long time, and part-time jobs will also bring you.

If your loan has exceeded the maximum repayment limit, the best way is to ask your family for help. Although you will be reprimanded, having a family member to help you repay the loan can greatly alleviate your mental stress and repayment pressure.

In addition, some lending platforms will report credit information, while others will not. There's really nothing I can do about it. You can return the credit report first, then communicate with the platform that does not report the credit report, postpone the repayment, and minimize the loss; The interest of some loan platforms can be negotiated. You can apply to the customer service of the loan platform to see if you can reduce some interest, or postpone repayment for a period of time to reduce your pressure in the repayment stage.

Is it illegal to support loans with loans? Everyone will face these consequences!

Nowadays, many people are often blind when applying for online loans, resulting in serious debts. In order to repay, many people have to choose to borrow new debts to repay old debts, that is, to raise loans with loans. So, is it illegal to support loans with loans? Will it bring the borrower to jail? Here, let me answer your questions.

It is not illegal to support a loan with a loan, and it does not constitute a criminal act. However, the consequences of supporting loans with loans are still very serious, which will make borrowers unbearable.

The consequences of supporting loans with loans are as follows:

1. Because every loan has loan interest, especially the interest and expenses of online loans are extremely high, raising loans with loans will make borrowers bear very heavy repayment pressure. The interest to be repaid by the borrower will snowball. Some borrowers have to sell their houses and cars to pay off their debts.

2. The final result of raising loans with loans is often inability to repay loans and serious overdue. For those who are overdue, it is very likely that their personal credit information will be seriously damaged and even become loan users. Some people may become "old lai" stipulated by the court.

3. Some borrowers use informal loans to support loans, which not only leads to their own ruin, but also leads to personal injury.

Methods of raising loans from banks through loans:

1. Many friends are caught in the quagmire of "supporting loans with loans" because they are "routined" by illegal loan platforms. For those who are caught in the "routine loan", it is the right choice to report to the relevant departments in time.

2. For friends who are taking loans to support loans, they must pay off part or all of their debts as soon as possible. It is suggested that you sell valuables or borrow interest-free loans from relatives to repay them.

3. Everyone should use the loan interest that should not be borne and exceeds the national regulations and refuse to return it.

To sum up, it is not illegal to support loans with loans, but the consequences will still be very serious. Therefore, we must not continue to "support loans with loans" and get rid of the quagmire of "support loans with loans" as soon as possible.