1. Is there a mobile phone that doesn't need real-name authentication?

A: Basically not.

As a lender, the borrower is required to provide the real-name authentication mobile phone number mainly for the following reasons:

(1) Make sure that the applicant is the borrower himself, so as to prevent someone from defrauding the loan under the guise of someone else's mobile phone number;

(2) It is convenient for pre-loan risk control review and post-loan collection;

Therefore, basically the existing loan products and real-name authentication mobile phones are hard conditions for loan applications. Therefore, no matter what the borrower thinks, don't waste time looking for this "abnormal" product. If you do find it, be careful. It's probably a liar.

2. What should I do to collect slanders, insults and threats?

A: distressed baby for two seconds?

Too many netizens replied to this question to Xia Jie. It is undeniable that collection methods such as slander, intimidation and insult do exist. In the era of strong supervision, the final madness may be staged and violent collection may intensify.

In this case, you can try these four tricks:

(1) report

Make a real-name report to China Internet Finance Reporting Information Platform (/ipnifa/index.html).

(2) Call the police

Give an alarm to the police station or public security bureau where the platform is located, explain the situation and provide relevant evidence.

(3) Contact local media for exposure.

Pay attention to providing relevant evidence. Media contact information may be obtained by reading more local news or by searching online.

(4) sue the other party in court.

Similarly, evidence is also needed, including recordings, chat records and other materials that prove that the other party has carried out violent collection.

Whether this trick is useful or not will not be known until you try it. Moreover, sometimes it's not that tricks don't work, but that it takes time to solve things. Please wait patiently, of course, the premise must be to protect your own safety.

3. What loan need not be repaid?

A: Friends all over the country want to know.

Put yourself in others' shoes. If you are a lender, do you think you can stand it? If someone lends you money, you leave without paying back a dime? Obviously impossible.

However, you can not repay this part of the loan: interest with an annual interest rate of more than 36% is not required to be repaid. Remember, the legal part, that is, the principal and interest within 36%, should be repaid in full and on time by the borrower.

Of course, some "parent loans" and "husband loans" may not need to be repaid, but only if you have a supportive parent or husband?

4. Can I get a loan when my ID card is about to expire?

A: Yes.

You can apply for a loan before the ID card expires, as long as the ID card does not expire before signing the loan contract. Of course, in order to avoid the invalidation of the ID card, a new ID card needs to be replaced in time.

5. It has expired now. Can I get a loan?

A: The specific situation is analyzed.

If Xia Jie understands correctly, by overdue, this netizen should mean that he borrowed more than one small loan, which is basically overdue. In this case, the application for unsecured loans is basically unlikely to be approved.

But if you have a house, a car and collateral such as insurance policies, you can apply for a mortgage loan.

If you still want to apply for an unsecured loan, it is not impossible. However, it's best to return all the expired documents first, so that the chances of applying for approval are slightly greater.

This concludes today's question and answer. Do you have any questions for Xia Jie to answer? Don't mention it, I'd love to!