Loan scam 1: no mortgage required.

"No guarantee, no mortgage", using these false advertisements to attract people who urgently need to raise money and loans, and lead people into scams. This kind of fraudulent loan has almost no loan conditions, no mortgage, no guarantee, and the interest is extremely "reasonable".

Loan scam 2: Pay first and then lend.

Generally speaking, formal lending institutions will not charge any fees before the loan is successful, so if you apply for a loan online, the other party asks you to pay the handling fee first, which is generally a scam.

Loan scam 3: ultra-low interest rate loans

Compared with other lending institutions, this bank has the lowest loan interest rate. But even if the bank loan is the lowest, the interest rate of small unsecured loans will be around 8%. Therefore, it is a scam to apply for a small loan online, a small loan of 30,000 to 65,438+10,000 yuan, if the interest rate is only 1%.

Loan scam 4: Mortgage loan does not need collateral, only ID card.

Mortgage loans need collateral, and unsecured loans also need stable jobs, floating wages and good personal credit to successfully apply. There is no such thing as a loan with only one ID card. If you apply for online micro-loans, the other party says that you can borrow with your ID card, which is a scam. Don't be cheated.

Loan scam 5: no need to meet and fax the contract.

Although online loans can submit application materials online, they usually choose to sign the contract in person in the end, so it is a scam for the other party to say that "there is no need to meet and fax the contract". Don't fall into the trap.