-Very explanatory.

Recently, everyone is looking at wealth management products, and Interpretation Jun is no exception.

If we tell you a wealth management product, it is expected to be annualized by 8%, but the actual income exceeds 24% or even higher, I think everyone will rush to buy it.

However, if you transfer to online lending, the annual interest rate is agreed to be 8%, and your actual cost exceeds 24%, then everyone must think that this is a lie.

I am talking about you! Ping An Pratt & Whitney!

Take low interest as bait and hide the routine.

Some people may ask, Ping An is a big insurance company. How can I charge more? Don't you know that it is precisely because of the finance made by insurance companies that there are more gullies and gullies?

Mr. Qiu from Suzhou broke the news to the media that he applied for a small loan of 50,000 yuan for three years from Ping 'an Puhui on 20 18. According to Mr. Qiu's credit line, Ping An Pratt & Whitney gives an annual interest rate of 8.4%.

However, after applying for a loan, Mr. Qiu found that his actual expenditure far exceeded the promised interest rate, reaching nearly 20%. What happened?

After clicking on the comprehensive borrowing cost details, the true face of Ping An Pratt & Whitney surfaced. In addition to the principal and interest payable, Ping An Pratt & Whitney also charges a lot of service fees, guarantee fees and insurance premiums. After borrowing 50,000 yuan, I have to pay back 80,000 yuan in three years, which is far from the original annual interest rate of 8.4%.

Ping An Pratt & Whitney explained that because Ping An Pratt & Whitney needs to charge certain fees for borrowers to apply for loans from insurance companies, small loan companies and cooperative banks, these fees have been listed in the instructions when borrowers apply for loans, and they can only be operated after the borrowers check and agree, so they have fulfilled their obligation to inform.

After hearing this, I understand that the annual interest rate is just a gimmick of Ping An Pratt & Whitney, and the actual profit is these miscellaneous fees! The so-called "informed user" means that there are various miscellaneous fees hidden at the end of tens of thousands of words. Only when the user finds out that he has been cheated can he make such an excuse.

With this operation, I believe many people know the taste of bone marrow: it is an authentic insurance company routine!

In the name of Pratt & Whitney, be ordinary and black.

Is this a case? I don't know if I don't know, but I was shocked at first sight. Only one black cat complained, and there were more than 5,000 complaints against Ping An Pratt & Whitney.

Looking closely at the complaints, the vast majority of users are planted in these expenses of Ping An Pratt & Whitney, and for these complaints, Ping An Pratt & Whitney uses the same words.

This logic seems to be watertight, which can be summarized in one sentence: don't blame me for thinking too much, you are stupid! Refuse to accept the complaint!

Ironically, there are many typos in the terms used by Ping An Pratt & Whitney as a shield. The word negotiation is wrongly written as "written" and arbitration is written as "president". People can't help but ask: If we weren't in a hurry to play word games and "mine" the borrower, how could such a simple mistake occur?

After teasing, look at the interpretation and dig deeper.

Some media got such information from a borrower of Ping An Pratt & Whitney: Ping An Pratt & Whitney's comprehensive loan interest fee includes interest, service fee, insurance premium and guarantee fee. Take a three-year loan of156,000 yuan with an annual interest rate of 7. 125% as an example, and you need to repay 61.19 yuan every time. In addition to the annual interest rate, the monthly service rate is 0.594%, and the monthly insurance and guarantee rate is 0.23%. According to IRR calculation, the actual annualized rate is 23.9%.

It's no coincidence that you knock on the blackboard to interpret that the 23.9% here is specially designed by Ping An Pratt & Whitney to avoid the interest rate ceiling of state judicial support for private lending.

According to "Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases": "If the interest rate agreed by both borrowers and lenders does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it.

I can't help sighing when I read this. It is really "a thousand calculations, or not to sell insurance." Ping An Pratt & Whitney has tried many times, so it is no wonder that there is confidence to ignore users' demands.

Reading your mobile phone, there are dozens of induced loan messages with multiple vests sent by Ping An Pratt & Whitney in his spam message interception box.

In fact, it's not just Ping An Pratt & Whitney, but all major online lending platforms have various tricks. Their routines are the same: attracting customers at low interest rates, inducing users to take the bait, and then harvesting at high comprehensive interest rates.

Under the background that the epidemic affected production and life last year, many enterprises and families were short of funds, and at the same time, they could not meet the demand of traditional banks for collateral, so they had to turn their attention to online loans known as "no collateral, fast lending and low interest".

Users often fall into the small loan trap because they are in urgent need of capital turnover. In this way, they are not only burdened with high repayment pressure, but also affect their personal credit information.

If you want to ask whether Interpretation Jun's online loan is reliable, Interpretation Jun is still the first sentence: Don't touch online loans!

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