A formal loan platform approved by the CBRC and holding a financial license will not require the borrower to pay any fees, liquidated damages and other fees before the loan arrives. Therefore, in this case, we must be vigilant and cautious to avoid being deceived. No matter whether the other party says that the loan funds are frozen, or the platform needs to pay the loan deposit to prevent default, pay the membership fee and other fees, don't believe that once the user pays the money, the money paid before will not be returned whether it is received or not. This fee is also known as the "beheading interest" charged by the loan platform.
Therefore, in order to avoid their own financial losses, it is suggested that borrowers can change to a loan platform. There are countless loan platforms now, such as Alipay's borrowing, micro-loan and bank loan. In addition, if the loan is cheated, the borrower can collect relevant financial evidence to report the platform to the Internet Finance Association, and can also report the case to the police station with other victims.
To sum up, with the loan business market getting better and better, more and more enterprises begin to expand the field of financial loans. Therefore, when choosing a loan platform, it is suggested that it is best to choose institutional loans with high visibility, good reputation and large platform. Although the interest rate may be higher, the funds are more reliable and safer. All of the above are about "Why should Jingdong Financial Loan be repaid first? Is Jingdong Financial Loan Reliable? " I hope it helps you.