It is convenient and fast to apply for loans through the Internet, and all loan demanders get in touch with loan providers in a short time. In recent years, more and more friends apply for loans directly through the Internet. The following describes the process of online lending:
Generally speaking, the process of online lending:
1. Seek a reliable loan website. At present, there are many kinds of loan websites. Choosing a reliable website can speed up the loan process and avoid being cheated to a great extent. It is suggested to choose a large domestic loan intermediary website.
2, after entering the website, according to their own needs, directional choice of loan types, through the network to provide loan demand;
3. The website reviews personal information, classifies each person's personal information, and finds a matching loan provider, and then the business personnel of the loan provider directly get in touch with the loan demanders;
4. When the borrower goes to the lending institution, the borrower and the lender negotiate loan-related matters in person, such as loan requirements, loan amount, loan interest rate, etc.
5. Sign a loan contract. For formal loans, you must sign relevant legal loan contracts to give the other party a guarantee in the future;
6. loans. After the loan contract is signed, the loan can be completed after the follow-up matters are handled, and the borrower can remember to repay the loan in the future.
Lender Bian Xiao needs to remind you that online loans are usually just a step to seek loan suppliers. After the loan supplier gets in touch, it is still necessary to meet with the supplier's salesman to discuss related matters in detail. At the same time, loans are usually not completed in cities. So, if you claim to be able to do business in the city, you are probably a liar. In the process of loan issuance, if the loan is not issued, the formal loan provider will not ask the borrower to pay any fees in advance. If the other party asks to pay any fees in advance, it is generally a liar.
How to borrow online loans from ABC?
It is suggested that you can apply for loans through formal banking channels, such as the "Netjet Loan" of Agricultural Bank of China.
Netjet loan refers to a small consumer loan which is granted by China Agricultural Bank in cash to individual customers of China Agricultural Bank who meet certain conditions, and is self-applied, quickly received, automatically approved and self-credited. It is recommended that you apply through formal channels, and don't trust the information of online lending platforms.
The following is the application process through Pocket Banking:
Step 1: Please log in to Pocket Bank and click the "Loan" option on the home page, as shown:
Step 2: Select the "online loan link" product, as shown in the following figure:
Step 3: Enter the NetJet loan introduction page, where the advance loan amount can be displayed, and click Apply Now, as shown below:
Step 4: Enter the application page, select the loan purpose, loan and repayment account (must be Zhang Yin's registered account), confirm personal contact information, check the consent option below, and then select Submit, as shown in the following figure:
Step 5: Select the loan and enter the signing information interface. After confirming that the information is correct, click Next to enter the face-brushing authentication. After the authentication is successful, click Start Authentication to enter the final signing interface, click OK to verify the security tool (KBao or KOrder), and then jump to the signing interface. After signing the contract successfully, you can click "Lending" directly.
Tips: The online loan application time is from 7: 00 to 22: 00 every day, and there will be a maximum limit every day. If it exceeds the limit of the day, the system will prompt that "the limit that can be applied for today has been used up, please apply again the next day", and the limit will be restored at 7:00 the next morning.
From July 25th, 20 19, new online loan customers can apply for loans through personal banking channels or super-counter channels. Personal online banking channel has been suspended, but loan inquiry and repayment can still be handled. For existing customers, personal online banking can inquire and repay, but it cannot lend money. If you need to operate a loan, you must handle it through a personal bank.
The actual loan of ABC is subject to the system approval. If you have any other questions, please consult the local personal loan center.
(Answer time: 202 1 April 21. In case of business changes, please refer to the actual situation. )
I want to get a loan online.
1. Choose a suitable loan platform, and then download the APP of this platform or pay attention to the official WeChat account;
2. Register with the unique mobile phone number of the real-name registration system, then fill in personal basic information online, then upload my valid ID card according to the prompts, bind a bank card to my name for real-name authentication, and some will let me brush my face and get credit authentication.
3. When the system gives the loan amount for the first time, the given amount is the maximum loanable amount. You can submit a loan application within the quota. Finally, let the system review it again. If it passes, it will be lent to the bound bank card. After receiving the money, you can spend it or withdraw it.
The above is how to apply for a loan online.
Do you need to pay for online loans?
If you apply for a loan on a loan platform approved by the CBRC and hold a financial license, you generally don't have to pay. As long as the customer's credit reaches the standard, he can borrow directly and then repay the loan principal and interest at the agreed interest rate. If the platform for applying for a loan is not approved by the CBRC and does not hold a financial license, the customer is likely to meet the lender, and the other party will deliberately ask the customer to pay the money first in the name of deposit and unfrozen money, and then "roll up the money and run away"; Or charge "beheading interest", although it will be released later, but the money paid before will not be refunded, and various unreasonable fees and high interest may be charged later. It must be noted that as long as it is a regular licensed consumer financial institution, it will generally not charge any upfront fees before the loan arrives. If the loan platform requires customers to pay first before lending, they must be vigilant and cautious to prevent falling into the loan scam and causing money losses. It is best to give up this loan and re-select a licensed loan platform to lend.
How to handle online loans?
Operating environment:
Brand model: iPhone 13
System version: iOS 15.3. 1
Application version: 6.2.90
Take Jingdong Finance as an example:
The process of online lending is mainly:
1. The borrower logs on to the online loan platform, enters the application page, fills in personal name, ID number, residential address, telephone number, loan amount, loan purpose and other information as prompted, reads and signs the loan agreement, and submits the loan application.
2. The platform reviews the information submitted by customers, and evaluates the credit status of customers through big data and platform control (some loan platforms are connected to the central bank's credit information system, and customers need to sign personal credit information business authorization when applying, and the platform will review the credit status of customers through credit information).
3. After the platform is audited, the audit results will be issued. If it passes, the platform will lend the money to the account designated by the borrower. When the loan arrives, the platform will send an information notice, and the customer can use it when the money arrives. Of course, if the audit fails, the system will also inform the customer.
Different online loan products may have certain differences in specific process steps. For example, some online loans will call the borrower for electronic review during the review process, and will ask the borrower some questions to see if the contents answered by the borrower are consistent with the information filled in by themselves, so as to confirm the authenticity of the information provided by the customer.
Peer-to-peer loan model:
B2c mode:
B of b2c generally refers to banks, and some websites also provide products of loan companies. Generally, online b2c loans rely on online loans to work first and then lend. According to different rules, some applicants need to go offline. At present, the b2c model is restricted by the region, because its business entities are all institutions with geographical restrictions, and its coverage needs to be expanded.
C2c(p2p) mode:
P2P is short for PeertoPeer, which means person to person. In this mode, the applicant can decide the interest rate, term and other conditions independently according to his credit status and repayment ability, and Party B can freely choose the object he wants to borrow like online shopping.
Scam:
1. The company name is relatively large, so the so-called "Chengxin Group", "xx Loan Group" and "xx Loan Group Company" simply cannot exist, and it is impossible for the industrial and commercial departments to allow the registration of such company names.
2. Some will pretend to be banks or well-known companies, but they don't have an office address and can't provide real company business licenses and personal ID cards.
3. Advertising information generally only provides mobile phone number and contact person. Through the mobile phone number query, we can see that publishers are concentrated in a few provinces in China.
4. The loan terms are easy, and there is no need for mortgage and income check. Basically, you can get a loan with your ID card.
5. When the borrower is tempted, the liar will ask for the fee first for various reasons, such as "interest, lawyer's fee, verification fee, insurance premium, handling fee, deposit" and so on.
6. When the borrower pays first, it is found that the liar's mobile phone can no longer be dialed, and even some borrowers are cheated without knowing the other company, personal name and ID card, or even knowing where the other party is.
Let's stop here for the introduction of the online loan app flowchart.