Senior Girls Opened Their Stores, And They Borrowed The Gold From The Internet.

Xiao Xiao is a major senior student. In order to be early Earn Her first pot of gold, she wanted to open a milk tea shop near the school, unwilling to ask her parents to ask for money, and her classmates had no money to borrow, so she introduced it through a friend called a pat loan website, hoping to get help from the Internet.

Internet lending is popular, borrowing interest rate is about 20% per year, lawyers caution to be cautious.

On the 10 day of the month, Xiao Xiao did the first thing to open the computer, log on to the Internet bank, and put more than 1000 yuan into a fixed account called "pat" loan website. This special loan repayment method will last 10 months.

College students borrow online venture capital.

Xiao Xiao is a major senior student. In order to earn her first pot of gold at an early date, she wants to open a milk tea shop near her school. She doesn't want to ask her parents to ask for money. Her classmates have no money to borrow. So she introduced it through a friend's website, hoping to get help from the Internet.

"After the authentication of ID card and mobile phone, I launched a $10 thousand loan information on the website, the interest rate is 15%, and the repayment period is 10 months." Xiaoxiao said that the first loan was very successful. "A week later, 41 strangers raised 10 thousand yuan in cash. After checking the ID card, residence booklet, business license and bank account information, the money broke into my account."

The lender earned 600 yuan in two years.

Xu Yi, who is working in a public institution in Jiulongpo District, is a veteran of "racket loan". user "In 2008, I learned the Internet lending platform through TV news, and I found it very interesting after I knew it." Xu Yi said he saw many successful cases of loan repayment on the website and wanted to try to earn some money through this way of borrowing.

After that, Xu Yi became a loan investor. "Many websites stipulate that a tender can not be less than 50 yuan, so many people vote at the lowest level of 50 yuan or 100 yuan, which we call the 50 party." The "50 party" is actually a way to avoid risks and put eggs into multiple baskets.

Xu Yi told reporters that he had made nearly 10 loans over the past two years, the minimum lending amount was 50 yuan, the largest lending amount was not more than 2000 yuan, and some had become acquaintances through lending relationships. Luckily, he had not experienced any malicious debt repayment, and the income of two years' lending was 600 yuan.

The highest annual interest rate is 22.24%.

Yesterday, reporters log on "pat loan" website to see, the website specified Loan The amount is between 3000 yuan and 100 thousand yuan, the highest annual interest rate is 20.4% within one year, and the highest annual interest rate is 22.24%. On the front page of the website, the borrower's borrowing quota, loan progress and credit status are displayed. Nearly 200 loans are currently under way, and most of the loans are under 50 thousand yuan, of which 10 thousand yuan is faster than the borrower's bidding.

At present, the interest rate of RMB loans is 5.6% in one year, and the interest rate on the Internet is around 20%. Does this constitute a usury? Xu Yi firmly denied that. "As long as interest rates are not 4 times higher than the bank lending rate for the same period, they are not usury." Xu Yi said that many borrower are holding the mentality of investment, and they can get more legal reward than the interest rate of the current account of the bank through this lending behavior.

Credit risk, netizens' conceit

The reporter found through Baidu search, like the "patting loan" network lending platform is not uncommon, it belongs to a P2P (personal to personal) credit management mode, users through registration, post, tender, full mark, capital account to the process of raising funds, the website acts as an "intermediary" role. As a borrower, after 6 months' successful loan, the transaction fee will be paid according to 4% of the principal.

For borrowers, lending money to strangers requires corresponding risks. Reporters in the "pat loan" forum saw that some users tried to establish a group relationship to reduce the virtual nature of the Internet, Sichuan, Fujian, Zhejiang, Shanghai netizens have established their own circle of friends. But this can not change a basic fact. Once bad debts happen, borrowers can only take their own losses. Although the "patting loan" provides some supplementary means of collection, including telephone collection, penalty interest, exposure of borrowers' information, lawyer's letter, etc. But reporters at the forum saw that after bad debts, many netizens did not have more effective solutions except for scolding messages.

Overview of Internet lending

Loan amount:

It usually ranges from 3000 yuan to 100 thousand yuan.

Annual interest rate:

The highest interest rate is about 20% in one year.

Success rate:

10 thousand the following loans are easy to succeed.