Online lending is a kind of many to many decentralization

1. Oh, my God, there are still people asking such questions! I tell you, this problem is hard to say. If you repay on time, regular borrowing and repayment will not affect credit investigation. But if you want to avoid repayment, that's another matter. Online lending platforms such as soyi loan and Renren loan have been connected to the credit reporting systems of 100 banks and the central bank, and the state is also very concerned about debt evasion. Once the borrowers who evade or abolish debts are listed in the "special attention list" of credit investigation, they will face the dilemma of "one breach of credit, limited everywhere", which will greatly affect the loan, house purchase, job hunting, leaving the country, and children's schooling. Auction houses, sealing up Alipay accounts, old Lai list, sesame credit, Lao Lai vehicles can not be high speed, can not buy stocks, exit the house, dect old age pension, etc., from all aspects of work and life, forming multiple crackdown.

2. First of all, you should make clear the essential difference between private lending and usury. These two concepts are completely different.

3. With the development of economy and society, there are many kinds of loan procts on the market. People not only choose bank loans, but also online loans. However, online loan procts are mixed, how can we avoid being cheated and find reliable loans? It is suggested that we should pay attention to these points:
first, the procts should be formal. Whether it is the brand or proct qualification, we must choose the formal big brand to be more reliable, certify the authentic procts, and guard against black loan fraud< Second, interest and amount are crucial. Although the amount of loan platform is generally linked with personal credit, the activities of formal platform are more, the amount is higher, and the interest is relatively lower. For example, Du Xiaoman finance's money flower belongs to the head of the formal loan app. It's easy to apply, fast to lend, and flexible to borrow and repay. Users can take the initiative to apply. The interest rate of the rich is transparent, the big brands are reliable, the interest rate is low, and the maximum amount of loan is 200000, which can meet the needs of most borrowers

in addition to indivial consumers, owners of small and micro businesses can also consider spending money when they need to start-up or working capital, which is committed to providing accurate, convenient and efficient financial services for owners of small and micro businesses
this answer is provided by KangBo finance and economics. KangBo finance and economics focuses on the interpretation of financial hot events and the popularization of financial knowledge. It adheres to the profession and pursues fun. It is a financial content that people can understand and transmits financial value in a variety of vivid ways. I hope this answer will help you.

4. No default, no effect
in the past two years, with the development of Inclusive Finance, P2P online lending platform has become a hot intermediary for many people who want to manage money and who need money and apply for "no door" in the bank. So is there no threshold at all before online lending? no P2P platforms also need to consider that the loan money can be collected by investors on time, so they also have requirements. So what knowledge do you need to know before you borrow money? What condition does net loan need

first of all, the borrower should have sufficient repayment ability and willingness to borrow money

for mortgage loans, the application conditions of major platforms are almost the same. Take Duoo loan as an example, the borrower needs to carry information; ID card (enterprises need three cards), bank account, mobile phone list, address certificate, credit report and work contract. Eligible borrowers can apply for loans of up to 500000 yuan

among them, the borrower must have a fixed source of work and income. Generally speaking, the P2P platform requires the borrower to work continuously in the current unit for more than six months, so as to ensure the borrower's stable repayment ability. At the same time, borrowers should pay attention to maintaining their credit records. If there are many overe credit cards or overe housing and car loans, it is very unfavorable

Second, although the application proceres are not as cumbersome as the bank, the data should be prepared carefully

the most convenient way to apply for loans through P2P platform is to submit materials online and upload them by taking photos on your mobile phone, instead of waiting in line with a pile of original copies when traditional financial institutions apply for loans. Different P2P platforms have different requirements for application materials. It is suggested that the borrower should understand the requirements of each platform in detail before making a choice, and submit the application after preparing the corresponding materials, so as to avoid being refused e to insufficient data preparation

thirdly, the cost of borrowing is not just the interest of the loan

generally speaking, the loan period provided by P2P platform is 3 months, 6 months, 12 months, 18 months, 24 months and 36 months. The longer the loan period is, the higher the interest rate is. However, in addition to repaying the principal and interest on time, the borrower also needs to pay service fees, recharge fees, withdrawal fees and other fees according to the provisions of different P2P platforms. Therefore, the borrower should pay attention to these miscellaneous fees when calculating the borrowing cost

finally, in order to ensure the safety and smooth borrowing, we must understand all kinds of qualifications of the platform you want to apply for before borrowing, because the current P2P regulatory laws and regulations are not very clear, so we should be cautious in financial management or loans. Choose the right P2P platform, ensure the safety of the investment!

5. There are two reasons why we can't whitewash or clear negative records and become blacklist
1. Online loans are overe. 2. Too many online loan applications
if the blacklist is caused by the first situation, you need to wait patiently for 12 months after paying off the overe loan to restore the normal credit standard
if the blacklist is caused by the second situation, it will only take 3-6 months to return to normal
generally, whether a person is a blacklist depends on the user's online blacklist index score. The higher the score, the better the credit. When the score is lower than 40, the user belongs to the blacklist
once it becomes a blacklist, not only does the online loan application fail, but also Huabei and jiebei will be affected. In serious cases, Huabei and jiebei will be closed
therefore, long-term application for online loans should be timely inquired about the online black index score to prevent credit damage caused by blind application for online loans
just open wechat and search: pinecone search. Click query and input information to query your own credit data of 100 banks. The data comes from more than 2000 online loan platforms and UnionPay centers across the country. Users can query their own big data and credit status, obtain various indicators, query their own personal credit status, online blacklist index score, blacklist status, online loan application records, application platform type, whether overe or not, Overe amount, credit card and online loan credit line and other important data information
compared with the personal credit report of the central bank, the atmosphere of personal credit record is more extensive, and the issuing institutions are more diversified, such as pinecone search and sesame credit score, which are all part of personal credit record. On the whole, they are more similar to the big data credit report on the Internet, which is a useful supplement to the traditional personal credit report
at present, the country is building a "credit network" with all-round and no dead angle, which connects the society and shares information, including credit report and personal credit record. To protect one's credit, credit is the greatest asset and wealth for everyone.

6. It's a waste of credit information to apply for, and it may even be pulled into the blacklist. The reason why the online loan application has not passed all the time is that the score of its own online black index has become lower, and it has become the online loan blacklist, so it can not pass the examination of the online loan platform
long term application for online loan or overe behavior of recent internal online loan will lead to lower score of online black index. If you want to return to normal score of online black index, you need to wait patiently for 1-3 months to not apply for online loan, and then you can slowly return to normal
when applying for online loans, you must pay attention to your score of online blacklist index to prevent blind application from becoming the blacklist of online loans
just open wechat and search for Ding Yi's data
Click query and enter information to query your credit data of 100 banks. The data comes from more than 2000 online loan platforms and UnionPay centers across the country. Users can query their big data and credit status, obtain various indicators, query their personal credit status, online blacklist index score, blacklist status, online loan application records and application platform types, Whether overe, overe amount, credit card and online loan credit line and other important data information
compared with the personal credit report of the central bank, the atmosphere of personal credit records is more extensive, and the issuing institutions are more diversified. For example, Dingyi data and Zhima credit score are all part of personal credit records. On the whole, they are more similar to the big data credit report on the Internet, which is a useful supplement to the traditional personal credit report
at present, the country is building a "credit network" with all-round and no dead angle, which connects the society and shares information, including credit report and personal credit record. To protect one's credit, credit is the greatest asset and wealth for everyone.