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The landlord:Wen Bin

Loan Credit and other questions can be asked, I try to answer.

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Published on 2018-8-30 06:48:51

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Why can I borrow it now?
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    2018-8-31 09:52
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    Landlord| Published on 2018-8-30 11:39:10 | Show all floors

    Friends who have read this post should know that I am a swearword, and there is a lot of nonsense. I say so much to make everyone understand more, why is this, so what will happen and what will happen. This question has to say how the online loan funds come from: the main sources of online loan funds are banks, financial companies, investment companies, p2p personal investments, and funds earned by online lending companies themselves. Among them, the funds of banks, financial companies and angel round financing are mainly used for the early construction and initial lending of online loan companies, and then the online loan companies continue to raise funds. At this time, the funds of the investment company will come in again (the online loan company can also be called Internet finance companies will start A round of financing, followed by round B, round C), while the Internet finance company's P2P business will also begin, personal investment funds will also come in, the company's pre-release funds will also start to recover interest, but All these funds are not given in white, they are to make money! In particular, the company itself and P2P personal investment, this part of the funds is the most need to get a return, the main source of funds to the mid-term lending is P2P funds, some of the characteristics of the money, such as instability (easy to see the wind, the rudder, see which If the reporting rate is high, which one is invested, and you are not willing to invest regularly, etc.), the capital investment is not high (basically all are small investments, but the accumulation of less is the main force of lending funds), why is the interest rate of online loans high, because the middle There are too many places to make money. P2P investors, the company itself, investors, shareholders, etc. are all making money, so many online loans will find ways to collect returns, high interest, handling fees, security deposits, and prepayments (PaiPaiDai). Wait, this is leveraged in the middle, and it is a variety of multiple levers, especially vulnerable.
    Since two years ago, the leverage has become unstable (the lending side is close to the limit, the overdue rate is too high, and the recycling cost is too high). Last year, the state began to control, so now the general status of online lending companies: some are interviewed (risk) Too high, no money is allowed), some things are unstable (P2P investors see too many P2P violent thunders in the past six months, have to withdraw funds or dare to continue to invest, causing online lending companies to have no money to lend), and some are to first recover funds to consolidate leverage (first Actively do not lend, reduce their own risks, first earn a wave and then continue to put), some wait for policy winds (waiting to hang financial photos to find a backing), or some actual companies have closed down is the employer restructuring company only to recover the funds.
    This has caused the situation of the brothers, and can only repay the loan. Nowadays, the relatively stable and reusable online loans are basically financial licenses. There are banks or unicorn companies and online lending companies. Brothers can search, such as Bank of China, Ping An Bank, Alipay WeChat and other Internet finance companies. These relatively speaking loans are still stable.
    I hope to help~

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    Published on 2018-8-30 11:44:34

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    How can I not borrow now?
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    Landlord| Published on 2018-8-30 12:08:26 | Show all floors
    Her cat Posted at 2018-8-30 03:06
    99 years, work owed two or three thousand owed has been loan repayment, now can not lend a lot of platforms have been rejected, wages can not keep up with the repayment of the landlord ...

    At the age of 19, he is still young, and there are not many two or three thousand. He has confidence in himself.
    Now the most important thing is to figure out which loans, how much each loan needs to be, how much each month, and which day is the repayment date (it is best to advance one day before the repayment date, such as repaying on the 15th No. 14). After these are written, the pressure will be relatively large, but life has to continue.
    1. Confess to your family, or friends, two or three thousand are really not many, but it is really a lifetime friend who can help at this time. Don’t think that others don’t borrow it, and there are many people who are hacking people for two or three thousand crimes. .
    2, I want to find a solution. Open source and expenditure, knowing how much income you have each month, the lowest, the highest, and when you will get the account. If you can work, you should be honest, get promoted and raise your salary, have time to find a part-time job, and send off to work. Drip yourself and find yourself, then apply for one or two credit cards for backup (if you apply for one or two applications, don't apply, it means that you are difficult to apply, and the age of 19 has not arrived, don't mess up the credit. ), credit card backup refers to cash repayment, turnaround. Usually save, you can not use it, calculate how to save more monthly living expenses, how much to use living expenses, in addition to the cost of living hard, other costs are left, each month's online loan has been replaced, the remaining repayment Prepare, or almost repay in advance. This is a very painful process, but to maintain confidence and be positive, this process will make you grow a lot, and it is very likely that you have already been promoted after you are finished. Give yourself a little pressure.
    Note: Don't believe what is paying for you (maybe impossible, you think, for example, a person with a monthly salary of 5,000, who lives in Chengdu, does not waste or save, only two in a year 30,000), to pay attention to help you find a job, some are true, some are liar.
    3. If you have assets in your personal name, look for a bank to do a big job, but your age is a problem and the risk is too high. Not recommended.

    Hope to be helpful.
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    Landlord| Published on 2018-8-30 12:53:36

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    Brothers look at the answer in front of me, that is still more comprehensive, I have a nap~

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    Published on 2018-8-30 21:27:22

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    have what?

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    Published on 2018-8-31 11:44:47

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    The loan of 20,000 does not cost interest.

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    Published on 2018-8-31 11:45:22

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    The loan of 20,000 does not cost interest.

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    Posted at 2018-8-31 13:48:00

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    I am in the official online of the People's Bank of China to enter the account and password to check the letter.

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    Posted at 2018-8-31 14:28:00

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    I used to have a credit card at the Bank of Communications. I failed to repay the loan on time because of a special reason, which led to a very serious overdue. No matter what kind of reason this record can't be modified, is there any way to change it?
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