First of all, you need to help your sister know from which platforms she has handled online loan business and whether these online loan platforms have corresponding customer service. Because you can contact customer service, it is convenient to negotiate with the company later, and then help him understand the loan principal, repayment amount per installment, installment number corresponding to each platform, calculate the total repayment amount, and the difference between the total repayment amount and the loan principal amount, thus helping the sister to accurately understand her total loan amount and the amount to be repaid.
Second, help your sister contact the customer service corresponding to these online lending platforms and tell them that they are willing to repay, but they need to negotiate repayment or reduce the extra fees, because there are some online lending platforms, besides you need to repay the principal, they also have high interest and other fees, such as interest service fees. If the repayment amount exceeds the principal and you can't afford it, you need to complain, because for some companies with financial licenses, he still values his reputation. If he asks for complaint handling and repayment, they will have a higher-level leader to help you solve her repayment, which may help reduce some expenses.
Finally, you need to tell your sister not to contact online loans in the future, pay off early and go ashore early, and strive to live a normal life as soon as possible, because many people do online loans to support loans. On this platform, for example, if they borrowed 3,000 yuan and there is no way to pay it back, then he will go to other apps and pay it back with the money borrowed from other online loans. Raising loans with loans is the most terrible cycle of online lending.
That's my answer. Thank you.
As long as one has the ability to work. If you don't need much money, you'd better not borrow money online and get a credit card. I earn 1000 yuan from my work and deposit it in my bank card. Every little makes a mickle.
On second thought, I am quite qualified to answer this question. Give a few examples around me.
The first one is my cousin. My cousin didn't graduate from high school, because he was a left-behind child and was brought up by his grandmother, so he had many minor problems. Knowing that he borrowed money online, my uncle called me. The cause of his online loan is online games. When I first started playing games online, I made a small sum of money and tasted the sweetness. I think I am a talented person, and I will definitely make a fortune. Because of the investment problem, I started to run a credit card, because the credit card quota was too low, and finally I reached out to the online loan. Later, when I didn't get it, I began to receive various dunning calls and threatening letters. From my uncle, aunt, cousin and even other menstruation to the secretary of our village branch, the village head has received threatening phone calls. I still don't know how the other party got these contact information. When I first received the phone call, my uncle paid him tens of thousands of principal, but these tens of thousands of dollars could not fill the abyss of online loans. Later, I was told that there were tens of thousands of interest. In other respects, my cousin quit quickly, so he only has tens of thousands of dollars in principal. We don't care about the interest, there will still be a phone call, but we dare not do anything else because it is illegal.
The second one is a colleague of mine. Let me talk about myself first. I work in a commercial bank in our local small county, and my work benefits are very good in all aspects. This colleague of mine, to be exact, is her brother. Colleague's brother is in debt because of online loan. My colleague, who lives in Mingyu, Su Like, has a son preference mother. Her mother asked her to find a way to pay back the money owed by her brother's online loan. As a college graduate who knows the law, I reached out to my own unit and used the convenience of my work to illegally misappropriate clients' funds. When the superior leaders discovered this, they had misappropriated more than 80,000 yuan. Considering that she is still young, let her make up the money and persuade her to leave her job voluntarily, so as to save face and give her a new start and let her go out again to find a job.
These are two typical examples around me. What I want to say is that most online loans are illegal. Formal lending behavior will not have such high interest at all. No one around can help, only you can come out at once, because helping her may hurt her, but it is more likely to hurt you.
Online lending is really like a scourge, deeply poisoning the minds and bodies of young people in China. In this society where overdraft consumption is prevalent, due to the lack of money, online lending seems to be the first means for people to raise funds. Now we can open some commonly used apps like Tik Tok and Aauto faster, open a video at will, and then slide down less than four or five videos, and XX IOUs and XX lending platforms appear. This kind of advertisement is full of people's vision in various scenes and grounded ways. It seems that borrowing has become a very normal thing. We have gained great convenience and satisfied our vanity through online lending in our daily life, but online lending has also brought us great harm.
First of all, you should tell your sister about the dangers of online lending! And how to establish a correct outlook on life values through a correct view of consumption and money.
You can find some cases to show your sister the power of this.
You must know the harm of online lending: 1, Credit Information Flower.
With so many loan records, banks will never lend when they see such a credit report.
2. Low quota
The amount of online loans is generally not high, generally only 1000 yuan, mainly in the short term, and the interest is extremely high.
3. It is difficult to land.
People who apply for online loans think that they don't have to pay back the same money if they borrow it. When they pay back the money, they often "rob Peter to pay Paul", find new holes to continue to borrow, and finally make a profit, and the debt is too high to control.
4, lead to overdue
Excessive borrowing can easily lead to overdue. Whether it is unable to repay or really forgotten, overdue will form a stain on the credit report.
5. violent collection
Once overdue, there will be endless violent phone calls and text messages waiting for you. The phone threat of a deadly serial phone call is just a piece of cake. It may seriously find you and make you and the people around you fidgety.
So be sure to talk to your sister. Don't indulge in online loans. Once the online loan, I burst into tears!
The water of online lending is deep, and there are many P2P models. When you want to help your sister, you should first consider what is protected by law and what is illegal from the legal point of view. We often see on the Internet that the maximum interest rate of online loans does not exceed 24%. If it reaches 36%, it is beyond the scope of protection. In this way, the excess can be recovered through law and coordination, thus falling to the scope of normal charges. Sufficient evidence and reasons are needed here. But one thing must be remembered, never return it. If you really want to help your sister, you must find out what the situation is, otherwise it won't help.
In case of emergency, don't withdraw a lot of useless things, go straight to the goods.
1. First, make clear whether this is an illegal high-interest loan or a regular loan. If it is an illegal loan. Then this loan is not protected by law, so be sure to call the police! Call the police! Call the police!
(1) How much interest is high? For example,
Since the implementation of "Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases" on September 20 15, the standard of usury is no longer based on whether the annual interest rate exceeds 24%, but on whether it exceeds 36%, that is to say, anyone with an annual interest rate exceeding 36% does not belong to usury.
(2) How to calculate the annual interest rate? For example,
Usury interest = loan amount * interest rate * term, which is a common calculation method of loan interest. For example, a usurer with a monthly interest of 4 points has a loan amount of 654.38+ 10,000 yuan, and the monthly interest of 654.38+0 is 654.38+000.000 4% 654.38+0 = 4,000 yuan.
So the annual interest is 4000 12=48000?
The annual interest rate is 36000/ 100000 = 48%.
This is the simplest and most common algorithm. Please consult a professional for details.
(3) What we usually say is a little interest, that is, interest of one yuan a month.
For example, 4 cents interest, that is, you have to pay 4 cents interest for one yuan a month.
Summarize it again.
If it is a routine loan, then one! Divide! Money! You don't have to pay it back.
If it is usury, you only need to pay the interest within 36% interest rate plus the principal, and you don't have to pay more than 36% interest.
If it is a legal loan, it is better to pay it back as soon as possible.
In 20 19, the Notice on Strengthening the Construction of Credit Information System in P2P Online Lending was issued to support P2P online lending institutions in operation to access the credit information system.
In other words, defaulting on online loans (legally) may be included in the list of dishonesty, which will have a great adverse impact on future life.
Or borrow money from relatives and friends to fill the hole in time. Then slowly pay back the money of relatives and friends. I suggest your sister take it alone. This is not to ignore the feelings of my brother and sister, but to help her develop a healthy consumption concept.
3. Last words for your sister.
First understand the platform and related expenses of online lending, and then understand the motivation of your sister's online lending, and guide you to explore. After all, you are a junior, so you can't directly question or overreact. After understanding, judge the benefits and costs of online lending platform (whether it is reasonable or not), and tell some cases of selling dog meat through online lending. If you have regrets, you must know how to encourage and guide her to stop at this moment, and life is still as beautiful as before. However, remember that online lending is like opium, because everyone wants to spend money. When a channel can be satisfied, it is difficult to control itself.
If you don't pay back the money, call the police: For example, someone borrowed 2 100 yuan from the online goods company, minus the service fee and management fee 600 yuan, but in fact he only got 1500 yuan. The loan time is said to be one week, but in fact it is just five days. Let's calculate, 2 100- 1500 = 600 yuan interest. Look at normal bank loans 1.500 yuan x 0.8% = 1.20 yuan, (first calculate the bank 1500 yuan's interest in the first year is 1.20 yuan), and usury 1500 yuan's interest in the first year is 43,800 yuan. In fact, it is far more than 365 times. There are also 1.500 yuan's overdue fee and 1.20 yuan's errand fee every day. It's really astronomical, equivalent to borrowing an egg and returning a cow! I hope you don't borrow usury when you are in trouble. If you really eat people and don't spit bones, my sister has borrowed money online. I should remind her to call the police for help.
First of all, please help your sister understand what platforms they are. It is listed in two categories, one is a formal credit platform, and the other is a usury that does not accept credit information.
For the first category, please consult with the platform first, and communicate with the platform clearly that it is really impossible to pay back the money at present, and it is clear that it is not not a non-return, but a real non-return now. You must make it clear that you will pay back the money, and at the same time stop the negotiation to avoid some benefits under the platform. Then there are plans to return a little on each platform every month.
In the second category, the communication method can be the same as the first category, but more attention can be paid. If the interest exceeds 36%, you can report it directly.
It's your sister after all. If you can help her share more, you can share more. People are the most vulnerable at this time. A little warmth from you may be a ray of sunshine from your sister.
There are no outstanding debts and obstacles. I believe your sister will get out of the online loan pit as soon as possible. I wish you an early landing. I hope my answer can help you.
I have never made an online loan. I don't understand and I can't answer!