Borrowing to buy iPhone6s, female college students to be "eat dirt"-College student loans, PayPal-IT information
These days, online news sophomore Lin Lin "exactly how she felt yan." Media reported that University students of Henan a university student exposure to more than more than 10 Internet lending platform , using the class ID, student ID, personal phone photography information and parent phone, handheld ID card borrowing hundreds of thousands of Yuan, due to inability to pay and eventually committed suicide.
As one only once network borrowing platform using records of in school students, Lin Lin of life although not into "wall", but also somewhat desolately miserable miserable: this several day, except class, Lin Lin almost every day are put himself "shut" in hostel in, just school buy of a big box cereal, has was she eat have see end of--scoop Shang two spoon dry cereal with water hot cooked whole swallow down, is she of a meal dinner.
This life is worshipped in her hand that iPhone6s given. Lin Lin College lending platform over the Internet last year to buy the film "kidney 6", only 1200 a month living expenses, she now owes lending platform 4000 Yuan, eating has become a problem.
Today, the network of college students staging a loan for consumption-oriented products, the borrow-and-spend mode soon, known as "Internet native" after 95 popularity among college students, but the drawbacks and risks are emerging, non-rational consumption, catch up with overdraft repayment ability speed, to the loan repayment, such as occurred ... ... As Lin Lin says: "abruptly she owes in debt, used to be Moonlight clan, now eat dirt race. ”
"The signing stage when contract, there is a signed contract. "In order to buy cell phones, Lin Lin signed a" life′s first contract "-" fun staging store credit contracts ".
"Want to change my phone for a long time, living alone save any money at all. ”
Lin Lin accidentally saw in the PayPal credit zone called a "fun stage" shopping platform that provides interest-free instalment purchase iphone6s service, a 24-month period, plus service fees only repayment 326.98 Yuan per month.
Lin Lin applied for members of the third estate, 9000 Yuan overdraft can be obtained. "I submitted online application for upgraded members, campus representative that afternoon, come to my bedroom downstairs looking for me to sign."
Phone arrived, Lin Lin mood and imagination in a different, additional difficulties, "spend money every month months and were afraid to tell MOM and dad, to even dare not go the canteen of the month".
Lin Lin took 6500 Yuan to buy cell phones remains 2500 line of desirable, she had to continue to borrow an IOU from the inside. In addition to more than 300 mobile stages monthly, and nearly 600 Yuan cash loans.
"Feel my hands and feet were tied, and only by way of this side by side is also maintained. ”
Zhang Meng micro-letter nickname has a magical function, each of the friends in Canada when she will unconsciously micro-letter names read over her, and asked her the same question-
"Eat dirt girl sprouting da", "why is it called ′ eat ′ maiden? ”
"Because the money every month to borrow money, they have got to the end of the month could not afford a meal can only eat dirt. "Zhang Meng always smiled, answering these questions.
On this sophomore girl, 19, said, his monthly spending on online shopping at around 1500, no source of income she used loan software cash consumption and installment credit.
Zhang Meng for his own living expenses is divided into two, one for 300, now as a monthly household expenses, one for 1200, also lending platform stages of bills. According to Zhang Meng introduced, she is currently borrowing borrowing altogether in the three platforms, each platform the repayment time is 10 days apart, payments from the 300~500 of the month, she′ll borrow from lending platform 1500 Yuan, fill in the cost of living is not enough to make up for credit-card bills, remaining as their next month′s net purchases of Fund directly into PayPal use.
Zhang Meng said, rarely expect profits lending platform, never told, without borrowing it, she would save much money, but she "eats girl". In her view, consumer borrowing while live on the "debt" days, but it is simple and convenient.
However, GLR Qin Ge remind Zhang Meng, by robbing Peter to pay Paul, one day, she will not fill up the hole.
In a College junior in Southwest China′s Qin song, living only 800 Yuan a month, but spent nearly 12,300 yuan in net purchases. When his friends Tan when you pay bills, neatly lined up teams of comments below, "local tyrants", "local" and "local tyrants".
"I where is the local monthly dirt into the hole of the 10th have ants. "Qin songs back.
Qin Ge as "Ant-hole", micro-credit refers to the ants rely on PayPal platform to provide online shopping services to consumers--the ants spend, consumers could be taken by ants spend "buy this month, next month" in the form of shopping, which attracted a large number of college students without any source of income.
According to Qin Ge introduced since last March by roommates using Ant to spend since he fell into consumption in phases in an endless loop. "Can′t afford to buy anything in the past can now be bought, as long as businesses can provide the ants take the service, my payment will unconsciously go to the options click on the flower stage."
As can be seen from the Qin song PayPal billing, who buy goods from around 1000 Yuan a month on the Internet, but the real amount to be paid immediately and only about 300 yuan, remaining, he pushed to next month or several months.
Last year′s "double 11", Qin Ge bought the goods about 1500 Yuan by December when payments due cannot come up with the money, he was by way of borrowing, cash to pay back the money.
But the hole is still growing, Qin Ge eventually had to tell parents their stage consumer owes money to insolvent business.
In late January, farming parents sell pigs to sell grain in the countryside to help Qin Ge lending platform is also a debt owed. Qin Ge′s mother told me: "poking out of the crate, only we have to fill it. ”
借贷买iPhone6s，女大学生成为“吃土”族 - 大学生,贷款,支付宝 - IT资讯
这几天，在网上看到的一则新闻让大二学生林霖“心有戚戚焉”。媒体报道说，河南一名大学生接触了10多家互联网大学生借贷平台，利用班级同学的身份证、学生证、个人电话及父母电话、手持身份证拍照等信息借款数十万元，因无力偿还而最终跳楼自杀。
作为一名只有一次网络借贷平台使用记录的在校大学生，林霖的生活虽然不至于陷入“绝境”，但也有点凄凄惨惨：这几日，除了上课，林霖几乎天天都把自己“关”在宿舍里，刚开学买的一大盒麦片，已经被她吃得见底——舀上两勺干麦片用开水烫熟囫囵吞下去，就是她的一顿正餐。
这样的生活都是拜她手里那部iPhone6s所赐。林霖去年通过互联网大学生借贷平台买了这部“肾6”，每个月只有1200元生活费的她，如今还欠着借贷平台4000元，于是吃饭都成了问题。
如今，面向大学生群体的网络分期借贷消费产品层出不穷，这种借贷消费模式很快就在被称为“互联网原住民”的95后大学生中普及开来，但其弊端和风险也逐渐显现，非理性消费、还款能力追不上透支速度、以贷还贷等现象时有发生……正如林霖所说：“硬生生让自己欠了一屁股债，以前是月光族，现在变成吃土一族。”
“签分期合约的时候，有一种在签卖身契的感觉。”为了买手机，林霖签了“人生中的第一份合约”——“趣分期商城授信合约”。
“想换手机很久了，仅靠生活费根本攒不下钱。”
林霖偶然在支付宝的信用专区里看到一个叫做“趣分期”的购物平台，可提供免息分期购买iphone6s的服务，分24个月还，每月加服务费只需还款326.98元。
林霖申请了第三等级的会员，可获得9000元的透支额度。“我在网上提交了升级会员的申请，校园代理人当天下午就来我寝室楼下找我签约了”。
手机买到了，林霖的心情却和想象中的大相径庭，生活也额外拮据起来，“钱每个月月中就花光，又不敢告诉爸妈，到了月末连食堂都不敢去了”。
林霖买手机花了6500元，还剩2500元的可取现额度，她不得不继续往里面借钱打白条。每月除了要还300多元的手机分期，还要再还近600元的提现借贷。
“感觉自己的手脚都被捆住了，只能通过这种边借边还的方式维持下去。”
张萌的微信昵称有个神奇的功能，每个好友在加她的时候，都会不自觉地把她的微信名念一遍，然后会问她一个一模一样的问题——
“吃土少女萌萌哒”“为什么要叫‘吃土’少女呀？”
“因为每个月都在还钱借钱，一来二去到了月底吃不起饭只能吃土啦。”张萌总是笑嘻嘻地回答这些提问。
这个刚上大二的19岁女孩说，自己每个月在网购上的花销都在1500元左右，没有收入来源的她，使用借贷软件提取现金消费，再分期还款。
张萌将自己的生活费分为两份，一份为300元，取现作为每月日常支出，一份为1200元，用来还各个借贷平台的分期账单。据张萌介绍，她目前一共在三个借贷平台有借款，每个平台的还款时间均相隔10天，还款金额从300～500元，月底，她会再向借贷平台借款1500元，填补生活费不够弥补的借贷账单，余下的作为自己下个月的网购基金，直接导入支付宝里使用。
张萌说，自己很少去计较借贷平台的利润，也从没算过，如果不借贷的话，她可以省下多少钱，但她乐得当个“吃土少女”。在她看来，借贷消费虽然让自己过上了“欠债”的日子，但却简单便捷。
不过，过来人秦歌想提醒张萌，靠着拆东墙补西墙，总有一天，她会填不上这个窟窿。
在西南某高校读大三的秦歌，每月生活费只有800元，去年却在网购上花了近1.23万元。当他在朋友圈里晒出支付宝账单时，下面的评论排起了整齐的队伍，“土豪哥”“土豪哥”“土豪哥”。
“我哪里是土豪，每月10日还得往蚂蚁的窟窿里填土呢。”秦歌回复。
秦歌口中“蚂蚁的窟窿”，指的是由蚂蚁微贷依托支付宝平台提供给消费者的网购服务——蚂蚁花呗，消费者可通过蚂蚁花呗采取“这月买、下月还”的形式进行购物，这种消费方式吸引了一大批没有收入来源的在校大学生。
据秦歌介绍，自从去年3月经室友介绍使用蚂蚁花呗以来，他就陷入了分期消费的死循环中。“过去买不起的东西现在都可以买了，只要是商家可以提供蚂蚁花呗服务的，我在付款的时候都会不自觉地去点击花呗分期的选项”。
从秦歌的支付宝账单中可以看出，他平均每月在网上购买1000元左右的商品，但真正立即支付的金额只有300元左右，剩余的，他会推到下个月还，或者分为几个月还。
去年“双11”，秦歌在网上购买了1500元左右的商品，到12月还款时，由于拿不出那么多钱，他又通过借贷的方式，套取现金来还钱。
但窟窿还是越来越大，最终秦歌只好告诉父母自己分期消费欠钱无力偿还的事。
今年1月底，在乡下务农的父母卖猪卖粮帮秦歌还了在借贷平台欠下的债。秦歌的妈妈告诉笔者：“孩子捅出来的篓子，只能我们来补啊。”