The latest situation of electronic joint loan

Why is the bank interest only 3.5%, and the third party e-linked loan is 8%? Can such a high interest rate be reliable?

There is no risk in bank interest, but the third-party e-loan National Treasure is a foundation with certain risks. His interest is related to his income and changes.

E-joint loan credit information? The loan will not be paid after one year. Can we negotiate? I don't understand other nonsense. Thank you. Waiting online.

At present, e-loan has not been included in the national credit information system, but in February 20 14, 14, the People's Bank of China has authorized eight private credit information enterprises to prepare for credit information. Presumably, in the near future, the credit of e-loan will be networked nationwide. Please cherish your personal credit, repay on time, and be honest and trustworthy. If the loan cannot be repaid at maturity, it is suggested that:

First, take the initiative to negotiate with e-loan, explaining the reasons for the difficulty in repayment; Once the borrower fails to repay the loan on time due to unemployment, illness or other unexpected circumstances, before the deadline for repayment comes, it is best to take the initiative to call e-Lian Loan, state his financial situation, declare that he is not maliciously in arrears, and apply for deferred repayment and interest concessions.

2. Repaying part of the principal and interest owed indicates a good willingness to repay; Raise funds, repay part of the loan principal and interest, show a good willingness to repay, strive for the understanding of e-joint loan and agree to repay by installments. Under normal circumstances, e-Lian Loan will not agree to postpone or handle other collection procedures, and the loan will not form a bad record;

Third, sign the installment repayment plan; Pay the loan on time. After seeing the positive performance of the borrower and the good credit record before, E-Loan will basically agree to repay by installments and negotiate with the borrower a repayment plan acceptable to both parties, such as delayed term, preferential interest rate and monthly repayment amount. However, it should be noted that the repayment will be guaranteed in the future.

Why is the bank interest only 3.5%, and the third party e-linked loan is 8%? This is not a lie, is it?

I don't know if it is a lie. The return of 3.5% on bank deposits is basically zero risk except for bank bankruptcy; As for the 8% return of the third-party e-loan, it is definitely risky.

As an investor, you should evaluate the authenticity and safety of this treasure.

If you guess right, you will get 8% annual income; If it is wrong, it is almost a loss 100%. Think about it, or forget it!