There are many loans that can be repaid in installments, such as bank credit cards, bank loans and online loans. Basically, it can be repaid in installments, but the interest on installment repayment is somewhat high. The interest of online loans is higher than that of bank loans, but the threshold of bank loans is higher. Peer-to-peer lending refers to the borrowing and lending of funds by both borrowers and lenders on the Internet platform. Online loans are mainly small, which originated in Europe and America during the financial crisis. P2P lending has made some achievements in alleviating short-term capital seeking, risk financing and opening up personal investment channels. In fact, online lending is not difficult to understand. All processes such as authentication, bookkeeping, clearing and delivery are completed through the network. Both borrowers and borrowers can make loans without leaving home. Moreover, the general amount is not high, unsecured, pure credit lending. 1. As an ancient financing method, private lending has been upgraded by Internet technology in the Internet age, and has incorporated the innovative concept of faster peer-to-peer lending principle. The foundation of private lending is the natural ethical constraint of acquaintance society. In an acquaintance society, it is against the "closure" of fair market transactions, so it is not convenient to stipulate the rights and obligations of both borrowers and lenders. On the basis of traditional private lending, peer-to-peer lending has increased the elements of commercial operation, making the trading behavior tend to be market-oriented and large-scale. By establishing a safe, efficient and honest peer-to-peer lending platform, the lending process will be transparent and standardized, and both borrowers and lenders will benefit. The picture on the right illustrates the workflow of the online lending platform in detail: the borrower publishes information and the lender participates in the bidding. Second, according to the Supreme People's Court's Opinions on People's Trial of Lending Cases, loans between natural persons, natural persons and legal persons, and natural persons and other organizations are accepted as lending cases, which ensures the organizational form and legitimacy of private lending. However, private lending should also follow some special legal provisions, such as the loan interest rate should not exceed 4 times the benchmark interest rate announced by the People's Bank of China. As for the relationship between natural persons and loan forms or platforms, there is no legal provision. However, it should be noted that if you deliberately attract others to lend with high interest rates, and use the funds for arbitrage, or cheat others to lend by deception, it will constitute a crime and be investigated for corresponding criminal responsibility.

Second, how to pay by installment?

Repayment by installments does not limit the repayment period and the repayment amount of each installment. Customers can repay the loan on a monthly basis (in fact, it is similar to installment repayment). As long as you pay 65,438+00% of the amount used at the end of last month every month, installment payment can continue to be used.

And customers can repay in advance at any time according to their own funds and repayment ability. If the repayment ability is sufficient, you can directly pay off the bill in full. For customers with average repayment ability and tight funds, it doesn't matter if there is no installment repayment option. After all, there is a choice of the minimum repayment amount.

It should be noted that 1 of each month is the accounting day. If the amount used after the bill exceeds 100 yuan, it is necessary to repay 10% of the amount used in the bill before the repayment date. However, if the used amount is less than 100 yuan, at least "the interest from the used amount at the time of bill to the time of repayment" can be paid before the repayment date (as long as the repayment amount is greater than the interest generated at the time of repayment).

3. Can a simple loan be repaid in installments?

Simple loans can now be repaid in installments. The latest version of the application has two services: one-time loan and cash installment. After you submit your own Taobao or Alipay information authentication in the authentication, you can apply for installment repayment from 10000 Yuan 3 to 12.

4. which apps that borrow money can be repaid in installments?

Basically, it can be divided into stages, such as borrowing, returning, and everyone lending.

Precautions:

1. First of all, you need to prepare a mobile phone with real-name registration system, which has been used for at least 6 months.

Secondly, you need to handle an account, bind a bank card, and have a purchase and consumption record for a period of time.

Finally, you need to prepare a credit card. Many people may get stuck here because it is too difficult for some people to apply for credit cards.

You just need to pay attention to which holes drain water, when to drain water, and prepare the bucket.

The last thing to pay attention to is the control of details, that is to say, what details should be paid attention to. Many times, many people can't operate online loans because they don't have enough control over the details.