Does Nanjing 365 Internet Technology Microfinance Co., Ltd. have routine loans?

365 Internet technology microfinance itself is a conventional loan.

Personal advice:

To some extent, the independent online loan products on the market are basically routine loans. In fact, there are many ways to make routine loans, and users can't prevent them. To this end, I do not recommend users to apply for any form of online loans. Users need to be responsible for their own funds and maintain their personal credit. Don't affect their personal lives by applying for online loan products, otherwise it will not pay off.

In addition, there are many online complaints about 365 Internet technology micro-loans. Some users even said that they did not receive the loan at all, but they needed to pay the loan interest. If you want to apply for 365 Internet technology microfinance, you are advised to be cautious.

Users should be careful about regular loans:

1. Routine loan is to induce or force the victim to sign relevant agreements such as "loan" or "loan", "mortgage" and "guarantee" in disguise for the purpose of illegal possession, and form false creditor's rights and debts by means of inflating the loan amount, maliciously creating a breach of contract, arbitrarily identifying the breach of contract, destroying repayment evidence, etc. , resort to litigation, arbitration, notarization or resort to violence and guarantee.

Characteristics of conventional loans:

The essence of routine loan is fraud under the guise of private lending. Routine loan has already possessed the rudiment of knowledge-based crime, and even some legal practitioners have become accomplices or "consultants" of criminals, giving them professional "legal guidance", improving the success rate of "false litigation" and obtaining high criminal profits.

"Routine loan" is essentially an illegal and criminal act, and the principal and interest of the loan are not protected by law. Usury embodies the autonomy of both borrowers and borrowers, and the loan itself and the interest within a certain range are protected by law. According to "Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases", the interest rate agreed by both borrowers and lenders exceeds the annual interest rate of 36%, and the agreement on the excess interest is invalid, that is, the principal and statutory interest of usury are protected by law, while the excess interest is not protected by law.