1. This situation may indeed be a scam, so it is recommended to handle it with caution. Based on the situation you explained, I can tell that what you encountered is a fraud. The scammer is pretending to be a loan company, and the purpose is to defraud you of your money. There is no loan at all.

2. Regular loan companies do not need to pay any fees before receiving the loan. Asking you to pay fees is a scam. There is a simple way to identify this kind of scam: because the scammer’s APP is fake, you can search and verify it in the mobile app store. If it’s not in the app store, there’s something wrong. Even if you fill in the wrong bank account number, the transfer will go back to the original route, there will be no loss of funds, and there is no need to verify the funds to unfreeze them. No deposit is required either. So this is the trick of scammers. If the card number is wrong, the scammer will change it to be wrong, just to find a reason for fraud.

Operating environment: Apple 12ios14

Loan methods

1. Guaranteed loans

1. Taking rural credit cooperatives as an example, the state Support agricultural development and allow rural farmers to take out guaranteed loans. When the borrower is unable to repay, the debt needs to be repaid by the guarantor.

2. This kind of loan is a "guaranteed loan". As long as the other party is willing to guarantee you, and the lending institution recognizes the other party's guarantor status, and both you and the guarantor have the ability to repay, you can get the loan. payment.

2. Mortgage loan

This kind of loan is the most common loan. Private lending institutions and bank lending institutions are more willing to accept this kind of loan, and there are many collaterals. There are almost no restrictions on categories. Anything of value can be used as collateral, such as houses, cars, marketable bonds, precious metals, etc. As long as you can provide these things that can be used as collateral, you can go to a bank or a private legal lending institution to apply for a mortgage loan.

3. Credit loans

1. In the early years, the country liberalized credit reporting and consumer loan business related to credit card approval. This also marked that our country has entered a trusting society. Although This type of business is now banned, but it can also be regarded as a loan channel. Some private lending institutions provide loans based on the borrower's credit report, Sesame points, etc. This kind of loan does not require any collateral or guarantor. As long as the borrower has good credit, he can obtain a certain "loan amount", but the interest rate of this kind of loan is relatively good, with the annual interest rate being 20 % or above. When encountering some routine loans, if the debt is 10,000 yuan and the interest is rolled over for three years, the cumulative repayment may exceed 100,000 yuan.

2. Therefore, when it comes to credit loans, be sure to look at the annual interest rate. If you have a choice, try not to choose this channel and way to get a loan. Don’t be deceived by these scammers. .