1, IOU

After the borrower and the lender reach an agreement on the loan amount, term, interest rate and other conditions through offline negotiation, they will print electronic IOUs through the loan treasure.

The borrower provides the loan agreement template, and both parties fill in the conditions independently and then sign it electronically. The lender transfers the funds to the borrower through a third-party payment institution or other means, that is, the loan is completed, and the borrower is entrusted to keep the evidence materials such as the agreement.

When the loan expires, the borrower can repay the loan to the lender in various ways. After negotiation, the two parties can also cancel the account through the loan treasure, or entrust the relevant parties to provide repayment reminders and legal services through the loan treasure. Users bear the loan risks themselves, and Lending Bao does not provide promises or guarantees for the recovery of principal and interest.

Step 2 Fill in the IOUs

The two parties who form the creditor's rights and debts online make up the electronic IOUs through the loan treasure, and the reason for the relationship is that the credit is sold on credit.

The operator of the loan repayment form provides the template of the arrears agreement, and both parties independently fill in the conditions and then sign it electronically, and entrust the loan treasure to keep the agreement and other evidence materials.

After the debt expires, the debtor can repay the creditor in various ways, and the two parties can also write off the account through the loan treasure after consultation, and can also entrust the relevant parties to provide repayment reminders and legal services through the loan treasure;

3. relatives and friends vote

Individuals' desire to send investment opportunities to relatives and friends at the same time through lending treasures. After relatives and individuals reach an agreement on the investment amount, term and annualized rate of return, they can generate and save the agreement through borrowing treasure;

4. Settle old accounts

Individuals can unilaterally register their creditor's rights by borrowing money, and they can choose ways such as entrusted litigation and telephone collection.

Second, the loan related

borrow money from a friend

1. Download, register and add friends. Download Lending Treasure App to register and activate, enter the main page of App, and then upload the address book to add friends;

2. Fill in the loan information. Click the IOU to borrow, fill in the loan amount, repayment date, annual interest rate, loan purpose and loan issuance date on the loan page, and freely choose the issuing object;

3. The loan target. Read and check the relevant agreements, click Publish after confirmation, enter the transaction password, and publish successfully. This allows friends to see the loan demand and wait for the funds to arrive.

Borrow money from institutions

1. Open the loan App, click the wallet and enter the loan supermarket;

2. Choose loan products. According to the loan amount, loan term and loan interest rate, choose the institutions and loan products that suit you;

3. Apply for a loan. Fill in the loan application information truthfully and wait for the agency's approval.

Three. Introduction to the use process of loan treasure

1, enter the loan treasure APP. Users who use Lending Bao for the first time should register first, and invite friends after successful registration. After all, they can only borrow money if they have friends in the loan treasure.

2. In the Lending Treasure interface, click Borrow Money;

3. Enter the page of borrowing money, fill in various loan items, and then the system will automatically calculate the amount of principal and interest due, and click Submit after filling in;

4. After entering the transaction password, the loan is successful.

You know, there is an upper limit for borrowing, and the maximum loanable amount = (number of friends x2000 yuan)-loan amount, and the upper limit is 1 10,000. In addition, if the loan is no longer needed, it can be cancelled before the loan is successful. After reading it, do the friends have a clearer understanding of the loan treasure?