1, prepare in advance
It is suggested that the borrower can investigate all the loans owed, and be sure to know the real situation of the loans, such as whether they will be used for credit reporting, address book explosion, door-to-door collection, etc. , and a detailed understanding of the company, browse the experience of other netizens.
2. Calculate the principal and interest rate in detail
The annual interest rate of loans should not exceed 36%. Many online loans will be deducted from the principal in the name of membership fees, credit information fees and handling fees, and the calculation of liquidated damages is illegal. The borrower can calculate the annual interest rate of the loan, and if it exceeds the provisions of the state, it can be reduced or exempted through consultation.
3. Increase repayment channels.
It is suggested that borrowers can find ways to increase repayment channels and do sideline work while working. If your part-time income is moderate, and it is found through calculation that it takes more than 10 years to pay off debts only by salary. Then at this time, you should realize that you can't just pay off your debts by working, but you must do some sideline work to increase your income.
If you accidentally encounter some loan platforms with higher interest rates, borrowers can find ways to complain. Collection records, online loan agreements, repayment records and transfer records can be collected. And prepare to go to relevant channels to complain.
Don't take the problem of overdue online loans lightly, because in addition to collection, personal credit will also be affected. In particular, online loans with credit information, once they have overdue records, will have a serious impact on future bank loans or credit cards. Even if the online loan cannot be credited, the data can still be recorded. You can check your online loan history, overdue details, liabilities, untrustworthy information and online loan blacklist in "Beijian Quick Check".
Extended data:
Can I get a loan with a debt of more than 300,000?
Of course.
If the user has a strong repayment ability, although the debt is more than 300 thousand, but the debt ratio is not high, then the user can continue to apply for loans. However, the repayment ability of users is not strong, and the debt ratio of more than 300 thousand leads to a debt ratio greater than or equal to 50%. At this time, users who apply for loans will basically be rejected, because users' repayment ability is insufficient, and lending institutions are at greater risk of overdue loans to users.
Due to the different repayment abilities of different users, the debt of more than 300,000 yuan is not too big for some users.