Have a Great Loan Repayment Record Great borrowers will have a sense of integrity. They repay the decided sum in time. Often it's one of the most overlooking traits sought by the lenders from the borrowers who are availing their funds. Ergo excellent loan repayment record is a must before lending your money to the crowd. Prefer giving a 36-month (3 years) loan As raising the tenure of the loan, also increases the interest charges, all the knowledgeable borrowers prefer to stick with a 3 year loan. So contemplate providing loans to people who are seeking 36 weeks loans. Because a lot of the time such borrowers tend to be more consistent for making their payments promptly than those that lends for longer times. Search For Social Networking Links Another method for choosing the reliability of your borrowers and to know as to whom 借款 you're lending is to discover about your borrowers from social network websites like Facebook, LinkedIn and Twitter. It's been observed that verifying borrower's credentials on the web through these platforms, often supplies the lenders with better understanding about the borrower's character and their personal traits. Try to find Academic and Household Facts Last however not the smallest amount of, academic credentials and household background of the borrowers is yet another means of knowledge as to what your location is risking your funds. It has been seen that borrowers who originates from good household connections and are intelligent, generally keeps as much as their obligations and have an improved feeling of reliability than individuals who are unfounded or have controversial and shady family upbringing.