Well, it depends on your personal feelings. If you have a car and a house, your income is over 10 thousand and your debt is 100 thousand, it's not too much. If you have nothing, your salary is 3,000 yuan, and your debt is 100,000 yuan, depending on what you are auditing, but some online loan audits are also chaotic and irregular.

1. What should I do if I can't afford the online loan of 200,000 yuan?

1. Online loans are divided into credit and non-credit, and loans with credit will be repaid first. Just like people who owe credit cards, people who apply for credit information negotiate a fixed repayment with the staff to ensure that they will pay back, and the whole process is recorded. If you can't get credit information, people won't be so free to sue you. If the annual interest rate exceeds 24%, it is usury and illegal. If sued, the final result is to negotiate to repay the principal.

2. When negotiating repayment with banks and loan companies, the other party will answer the phone when he comes to you, and see you when he comes to you. Don't not answer the phone, and don't hide it from anyone, otherwise the other party's alarm will be characterized as fraud and may go to jail.

3. Try to be tactful when you encounter severe dunning from banks and collection companies. Tell them not to disturb their families as much as possible, and not to make some threatening words and behaviors, so as not to scare their families. Then tell them to pay back the money slowly and record or video the whole process for evidence collection.

Second, peer-to-peer lending related matters

Now many people choose loans to improve their financial situation, but loans have many advantages and disadvantages. First of all, we must recognize the facts. If you don't know much about online lending and use it improperly, you will lose your credit. Moreover, everything has two sides, and so does online lending. If you use online loans reasonably, it will help you tide over the difficulties. If the online loan is used improperly, it will make you heavily in debt and unable to repay it. Therefore, when making online loans, we should pay attention to choosing a formal platform, and also make clear what the purpose of online loans is, whether we have repayment ability, and we should not make online loans for luxury consumption.

To sum up, if your capital turnover is insufficient or your economic situation is very difficult, you can choose a loan, but the premise of the loan is to choose a good platform and clarify the purpose of your loan. You can't blindly lend, which will eventually affect your credit information and may be violently collected.