1. Loan knowledge consultation

If the loan term is one year, it will be repaid in one go on the maturity date, and the interest rate will be settled annually. If it exceeds one year, it will be repaid on a monthly basis, and repayment methods such as equal principal and interest can be used. The interest rate is settled based on the monthly interest rate and compound interest is calculated.

2. Sharing common knowledge about loans

“Private microfinance” has triggered many criminal cases. Involving, fund-raising, financial ticket crimes, illegal detention, intentional injury and intentional homicide? In recent years, the increasingly active private lending has promoted economic development to a certain extent, but its disorder outside the control of the country’s formal financial institutions Development not only disrupts the country's financial order, but also easily triggers and violent crimes. In order to effectively combat crime and protect the legitimate rights and interests of both borrowers and lenders, the Beijing Second Intermediate People's Court conducted a special survey on criminal cases caused by private parties in recent years, and held a press briefing today to put forward relevant suggestions based on trial practice. From 2015 to 2017, the Beijing Second Intermediate People's Procuratorate tried more than 20 privately-initiated criminal cases, with a total amount of more than 100 million yuan, involving fund-raising, contracts, loans, bill acceptances, financial bill crimes, and intentional crimes. Crimes such as destruction of property, illegal detention, intentional injury, intentional homicide, etc. (1) The crime of debt collection is caused by the creditor's violent collection of debt in extreme ways due to the debtor's lack of integrity or inability to repay. This process results in cases of personal injury involving creditors, debtors or third parties, or cases of unlawful detention resulting from detention or threatening the debtor, or cases of intentional damage to property resulting from property damage. Some of the debt collection crimes involved also show the characteristics of professionalization of debt collection personnel, industrialization of loan collection, and gang crimes. In an illegal detention criminal case heard by the No. 2 Intermediate Court in 2016, the victim Wei was entrusted by his brother-in-law to borrow 900,000 yuan from Shao in his name, with a monthly interest of 1.8. After failing to repay the loan in time due to operating losses, Shao entrusted Wang and others to collect the arrears from Wei. Wang and others detained Wei in a building in Fengtai District of this city, restricted his personal freedom, and demanded money owed. During this period, there were verbal abuses and corporal punishments, which caused Wei to jump off the building in the detention facility. After trial, the Intermediate Court sentenced Wang, Liang, and Lu to 12 years, 10 years, and 9 years respectively for illegal detention. (2) Derivative crimes Private lending, financial crimes, crimes and other illegal crimes have formed a complex situation that is mutually induced and intertwined. In order to obtain funds, some companies defraud loans from financial institutions or illegally raise funds from the public; some fund-raising criminals fabricate "high-return, low-risk" projects and instigate victims to invest in private company loans through house mortgages, loan contracts, etc. After the incident, not only the investment money was lost, but also the mortgaged houses were difficult to recover, resulting in heavy losses. There were also a small number of borrowers who took desperate risks because they owed money and defrauded banks and other financial institutions of loans or defrauded other people's property, leading to the abyss of crime. In the loan fraud case heard by the Second Intermediate People’s Court in 2017, Wu misappropriated his father’s real estate certificate, ID card, household registration book, and forged false certification documents such as his father’s marriage, income, and consumption because he was unable to repay his huge debt. The man pretended to be his father and signed a mortgage loan contract of 830,000 yuan with a bank. In order to help Wu successfully obtain a bank loan, He forged the above-mentioned false certification documents and charged a benefit fee of 6,700 yuan while handling the loan for Wu on behalf of a guarantee company. Wu will use the above funds to repay personal debts and living expenses, and then stop repayment. After trial, the Intermediate People's Court sentenced He to ten years for the crime of loaning and He was sentenced to two years for the crime of fraudulently obtaining loans. 1. The amount involved in the case is large and there are many people involved, which can easily lead to stakeholder cases. 2. The criminal subjects are diversified and professional moneylenders appear. 3. The crimes involved are relatively concentrated and the criminal methods are diverse. 1. The borrower lacks legal knowledge and has a weak awareness of risk prevention. 2. Invest blindly driven by speculation and the pursuit of wealth. In a case heard by the Municipal No. 2 Intermediate People’s Court in 2015, the defendants Li and Zhang fabricated Lianheng Equity Investment Fund Management (Beijing) Co., Ltd. to provide migratory bird-style elderly care services, and deceived the victim Yong and others into mortgaging their property to a certain Guarantee companies borrow money and invest the borrowed money into so-called pension services. After the defendant was unable to repay the loan, the victim not only did not enjoy the so-called elderly care services, but also faced huge financial losses of possibly losing the house. 3. The ability to evade the law is strong, and it is difficult for regulatory authorities to grasp it in time.

3. To identify the contract, please be sure to read the relevant provisions in your contract clearly, clarify the relevant fee details, and the rights and interests you own or the possible impact of breach of contract (overdue). 4. It goes without saying that repayment on time should go without saying. Regular channels are generally connected to the credit reporting system. Overdue payments may affect your own credit reporting. In this society where credit reporting is critical, it is indeed a bit difficult. 5. Communicate well. Whether during the borrowing process or during the repayment period, if an unexpected situation occurs, be sure to communicate well with the account manager. After understanding your situation, the dedicated account manager will do his best to help you adjust the loan application information. , or repayment plan. Remember not to refuse communication to avoid affecting your credit report or turnaround plan. Of course, if there are more small details or questions that need attention, you can consult Xiaoan at any time!

3. Can I get a loan for intellectual property rights?

Yes, intellectual property can be used as collateral for loans. Intellectual property is an intangible asset, including patents, trademarks, copyrights, software copyrights, and mortgages for loans. In order to obtain financing, the value and stability of intellectual property rights can be evaluated to evaluate its feasibility as collateral, and based on the lender's It is determined by factors such as credit status and loan demand.

It should be noted that the conditions for intellectual property loans vary from lending institution to lending institution and country. It is recommended to consult the relevant financial institutions and the loan settlement process. At the same time, lenders need to ensure that the intellectual property rights they hold are clear and secure.