It is suggested to apply for a loan through formal banking channels, which can better protect your personal interests and information security. If you must borrow from the network platform, it is recommended to choose the following:

1, Qianhua: Qianhua is a big brand of Xiaoman Credit Information. It is a pure online application, unsecured, simple application materials, the fastest approval in 30 seconds, the fastest loan in three minutes, the highest 200,000, and the daily interest rate as low as 0.02%.

2, ant borrowing: Ant borrowing is a loan service launched by Alipay, and the application threshold is sesame score of 600 or more. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period is 12 months, and the minimum monthly interest is 0.45% and the maximum is 1.8%, which can be repaid with the vehicle.

If there is demand, it is recommended that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, with Baidu brand background and technical support.

In addition, Du Xiaoman also has financial management, wallet payment, insurance brokerage and other businesses. , and has obtained the corresponding securities and futures licenses, payment business licenses, insurance intermediary licenses, complete and open licenses, in line with national supervision.

The amount of money spent on loans ranges from 500 yuan to 200,000 yuan, with an annualized interest rate of 7.2%, 6,543.8+0,000 yuan, and the interest from 2 yuan is 654.38+0 days. Long loan period, daily repayment, daily interest, no mortgage, pure credit, full online application for ID card and bank card, the fastest approval in 30 seconds, 654.38+0 minutes to the account.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

Use Baidu's artificial intelligence and big data risk control technology to encrypt, monitor and protect personal information. Every loan must verify the password and other verification items, and it can only be lent to the bank card in the lender's own name, so you can use it with confidence.

3. Micro-loan: Micro-loan is a pure online personal micro-credit revolving consumer loan product launched by Tencent Weizhong Bank, the first internet bank in China, for WeChat users and mobile QQ users. It adopts the invitation system of Qin Guan users, and the monthly interest rate is between 0.6%- 1.5%, which can be repaid as you borrow it.

What companies are there in the formal loan platform?

Formal online lending platform:

1. pleasant loan was launched by creditease company in 20 12 and listed on the new York stock exchange in 20 15.

2. Renren Loan, a loan platform owned by Xinyoujinfu, was established on 20 10 and is one of the earliest online lending platforms in China.

3. China Ping An's platform, lufax, was established in Shanghai on September 20 1 1, and was supported by the Shanghai Municipal Government.

4. Paipai Loan was established in June 2007 and listed on NYSE on 20 17. It is the first online lending platform in China.

What is online lending? In fact, as the name implies, online lending is online lending. For example, if you borrow money from him on an application, then this is an online loan. And like the flower beds used by many people, these are collectively called online loans. Online lending is online lending. Online lending is actually borrowing money online and lending it to others, commonly known as online lending, but some online lending is safe. It is also a formal channel, and some online loans are informal channels, just like a quilt. These are all formal channels, and the interest is relatively low. So if you borrow money from others online, which is also called online loan, then this kind of online loan is more dangerous, and online loan is also an informal online loan.

I borrow money purposefully and regularly. For example, if I use normal loans and repay them normally, then I think this online loan is a normal thing, but you borrow money from major platforms and those informal platforms. Then this kind of online loan is particularly dangerous, which may lead to the ruin of your family and the next debt. What about things like this? It also happens from time to time If you borrow money blindly, you will owe online loans, which will lead to family destruction. Because some of them are irregular, the interest on online loans is particularly high, and the interest will roll over. In the end, you can't bear the price. Very straightforward.

What are the formal lending platforms?

A simple and reliable loan platform, and the loan platforms that are easier to pass are:

(1) Zhaolian Good Term Loan: For the credit products under Zhaolian Finance, it is best to apply online and review online, as long as the users have good credit and certain repayment ability.

(2) Ease Flower: The application threshold for Ease Flower is not high, and it is relatively easy to pass as long as it meets the basic loan conditions.

(3) Borrowing: As long as there is an application entrance and quota, borrowing can basically guarantee the success of the next payment.

(4) Micro-loan: You need to check the credit limit in advance, and users with good credit have a high pass rate.

(5)360 IOUs: pure credit loan products can be applied if their age meets the requirements and their credit information meets the requirements.

Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.

Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.

Spend a little money-pay special attention if you have money:

1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.

2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer.

After the third installment, you can choose to settle in advance, as long as it takes a long time, and it doesn't cost us anything to pay interest. Make sure to mention it first.

First, the conditions that should be paid attention to in bank loans are:

(1) The applicant is at least 18 years old and has full capacity for civil conduct;

(2) The applicant has good credit;

(3) The applicant has a valid marriage certificate, divorce certificate and single certificate;

(4) Having a legal and valid household registration certificate or a valid residence certificate;

(5) Have a good willingness to repay, and have the ability to repay the loan principal and interest in full and on time.

Second, the loan risk.

(1) The agreed interest is seriously inconsistent with the actual interest. Because you signed the contract before the loan, but after the loan, you found that the actual interest was much higher than the agreed interest.

(2) The company that handled the mortgage loan closed down, the deposit and the real estate license could not be recovered, and the mortgage registration could not be revoked, which made it impossible to buy or sell real estate and make loans.

(3) The agreed interest rate is very low, but there are many other expenses (such as deposits and handling fees).

(4) Find a private person to handle the loan, and the money has been paid off after the maturity, and the lender does not cooperate with the cancellation of mortgage registration, or requires additional fees.

(5) Many "dirty" companies want your house, not profit.

Third, because of the so-called low risk and high profit, many private mortgage loans are now handled by many lending institutions. If there are more institutions, the market will be chaotic, and various problems will emerge one after another, and there will be many routines. Is private loans really not suitable for loans? No, after all, not everyone who needs funds can borrow money from the bank. Private loan companies have solved the problem that many enterprises and individuals urgently need money.

What are the top ten formal lending platforms?

The official online lending platforms of 10 recognized by the state mainly include: Youhuahua, Jingdong Finance, Suning Finance, Ping An Hewlett-Packard, Micro-loan, Credit Loan, Xiaomi Loan, Zhongyuan Consumer Finance, Meituan Life Consumption and Zhaolian Good Term Loan.

The following is a brief introduction to the licensed financial background of Bian Xiao based on the platform.

1. Money to spend: Xiaoman Financial's credit products are formal and reliable lending platforms, among which Iman Loan provides borrowers with a maximum loan amount of 200,000, with a daily interest rate of 0.02%-0.065%. The better the credit, the lower the loan interest rate, and the service life is generally 12 months.

2. Credit loan

The loan was renamed as a credit loan, and the safety index was relatively high. At present, as long as it can meet the sesame credit score of more than 600. The loan amount that can be applied for ranges from1000-300,000 yuan.

If there is demand, it is recommended that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, with Baidu brand background and technical support.

In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision.