1. Is 51renpindai legal and legal?
51renpindai is a formal and legal online lending platform. 1. Platform introduction 51 Renpindai is a p2p lending industry that provides users with loan matching services. The company’s full name is Hangzhou Yiniu Network Technology Co., Ltd. It is a wholly-owned subsidiary of 51 Credit Card. It was established in Hangzhou in May 2015. Currently, 51renpindai is still operating normally, with no payment difficulties. The lending interest rate is around 6.38%, making it a regular platform. 1. Backend background. 51 Renpindai is a wholly-owned subsidiary of 51 Credit Card. 51 Credit Card (Hangzhou Enniu Network Technology Co., Ltd.) was listed on the Hong Kong Stock Exchange on July 13, 2018. It has a listed company background and strong backend strength. 2. Bank depository: 51 Renpindai is deposited through Bank of Beijing to ensure the safety of user funds. 3. 51 Renpindai adopts intelligent risk control and has a high-quality big data sample intelligent risk system to ensure the safety of user investment and borrowing. 14. 51 character loans are divided into loose loans and character-free loans. Purchasing the loan, recharging the platform and withdrawing cash are all free of charge. 5. Borrowing interest is between 6.1% and 12%. The interest rate for borrowing through the platform is not high. Borrowing will incur service fees. The monthly service rate charged to borrowers starts at 0.8%. 2. Credit citation is not available for 51 character loans. Credit citation is everyone’s credit business card, which records past credit records every month. When borrowing from banks or third-party financial platforms, credit citation records will be checked. If there is a bad record, Borrowing is very difficult. 1. If the overdue time is long, the overdue amount is large, and the user has not returned the debt after multiple collections, the platform will upload the bad repayment record to the credit reporting system. Not only will the credit reporting be uploaded, but the following consequences will also occur. 1. Penalty interest will be generated. After the 51renpin loan is overdue, high penalty interest, late payment fees, etc. will be generated. 2. Telephone collection. Once overdue, the platform will call the borrower himself and the third-party contact left by the borrower's loan to urge the borrower to repay. The frequency of collection every day is very high. 3. For users who maliciously commit loan fraud, the platform will use legal channels to help recover the money. The legal basis is Article 6801 of the "People's Republic of China and Civil Code" prohibiting usury lending and the determination of loan interest. Usury lending is prohibited, and the interest rate for borrowing must not violate relevant national regulations. "Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases" Article 26 If the lender requests the borrower to pay interest according to the interest rate agreed in the contract, the people shall support it, but the interest rate agreed by both parties exceeds the one-year period when the contract is established. The exception is four times the loan market quoted interest rate. Article 196 of the "People's Republic of China and the Criminal Law of the People's Republic of China" falls under any of the following circumstances. Whoever conducts credit card activities and the amount is relatively large shall be sentenced to not more than five years or criminal detention and shall also be fined 20,000 yuan. A fine of not less than 50,000 yuan but not more than 200,000 yuan; 1. If the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; 1. The amount is particularly huge or there are other particularly serious circumstances. If a person uses a counterfeit credit card, he or she shall be punished with a fine of not less than 50,000 yuan but not more than 500,000 yuan, or have his property confiscated: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identity certificates: (2) The use becomes invalid (3) Pretending to use another person’s credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. 1. Anyone who uses a credit card concurrently shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
2. Will there be a credit check on 51 Character Loan?
51 Personality Loan is subject to the credit bureau.
Not checking the credit report when registering in the early stage does not mean that the credit report is not checked, it is just checking your personal network big data. After the credit limit is given to you, as long as you take out a loan, the credit report will be checked. , it will be recorded in the credit report.
And as long as you borrow a loan, Renpindai will conduct regular credit inquiries on you, which is authorized and is also called post-loan management.
51 Loans are based on credit bureaus.
3. What is 51renpindai
51renpindai is a borrowing platform from which users can borrow money when they need funds. The affiliated company is Hangzhou Yiniu Network Technology Co., Ltd., which was registered in Hangzhou in May 2015 with a registered capital of 50 million yuan. The office is located in Xihu District, Hangzhou City, Zhejiang Province.
When borrowing money from 51 Renpindai, you need to fill in your name, marital status, company name and commonly used mobile phone number on the platform, as well as two emergency contacts and other information; you must also authorize 51 people when borrowing Pindai can read the user’s mobile phone address book and call history. Once you meet the conditions, you can get the loan.
After borrowing money from 51 Renpindai, users are required to repay on time and not to make late repayments. Penalty interest will accrue after overdue repayments and overdue records will be uploaded to the credit reporting center. Personal credit reporting After it becomes bad, it will be difficult for users to borrow money again, and they will also be rejected when borrowing money through banks.
After the 51 Renpindai loan is overdue, the platform will collect the loan and will call the borrower when it is initially overdue. At this time, timely repayment will not have any impact. If you continue to fail to repay, you will call friends in the borrower's address book and ask them to urge you to repay. This collection method will seriously affect your normal life.
4. Are 51 Character Loans Real?
51 Character Loans are real, but large-amount loans are relatively slow.