Although a loan can solve your immediate needs and help you tide over the current difficulties.

However, even if you need some loans urgently, you must not touch them, otherwise you will only get deeper into trouble.

1. Apple Loans

Use your Apple mobile phone ID as collateral to get a loan from a lending institution. If the money is not repaid, the lending institution will remotely lock the loan applicant’s Apple mobile phone.

Generally speaking, this type of loan will first replace the user's Apple mobile phone ID with his or her own Apple ID, and then lend money to the user at a very high comprehensive rate.

If the user is overdue, the user's phone will be locked directly.

Because these types of loans are often given to students, and the interest rates are usually sky-high, there are a lot of irregularities.

2. Training Loans

Many training institutions now cooperate with lending institutions or banks to allow students to pay their tuition fees in installments.

It would be fine if it was a formal institution, but some informal training institutions not only provide loans with extremely high interest rates, but sometimes also sign contracts with students in advance that contain fraudulent terms. Once the students default, they will need to Pay huge amounts of liquidated damages and interest.

3. Beauty Loans

Beauty loans are similar to training loans, but different from training loans, beauty loans often increase product prices without the user’s knowledge, or It is to add deceptive products that users have not ordered, thereby putting users into huge debts.

Similarly, there are business loans, employment loans, rental loans, etc., which all lend money to borrowers through actual services and things, but there are often various tricks hidden in them, making people fall into their routines.

4. Routine Loans

There is a kind of loan. Users can get a large loan from there as long as they use assets such as houses or cars as collateral, and the interest is not very high. , and the lender does not demand repayment.

However, as soon as the user is overdue, the lender will immediately sell the user's assets based on the bank statements, signed IOUs, notarized documents and other evidence in their hands.

5. Sincere Loan

This is a "long-established" trick that promises to lend money to lenders at very low interest rates, but the premise is that the lender needs to pay an amount in advance. "Earnest money", or paying an application fee;

Some platforms will use the massive traffic of the Internet to charge small fees, but will never grant funds to users. Don't be fooled. Deceived.

6. Short-term loans

Many institutions have launched short-term loans. Usually the term does not exceed 30 days, and most of them are 7 or 14 days. The review threshold is particularly low, and illegal accounts You can all make a payment, and the payment is also very fast. Almost all applications are made on the same day and the payment is made on the same day.

But some of the interest rates are extremely high. If you borrow money for 7 or 14 days, you will have to pay a comprehensive fee of 20 or even 50. This kind of loan is simply worse than an open robbery.

7. Naked Loans

News about naked loans has been emerging one after another. It is reported on the Internet that a female college student took out naked loans to buy famous brands, and eventually her family died. Most of the victims of nude loans are female college students.

Naked loans refer to using nude photos of borrowers holding ID cards instead of IOUs. The interest rates are also very high and most people cannot repay them in time. Once a default is made, the lender will force the borrower to use the nude photos to force the borrower to borrow money. people repay.

8. Empty Loan

What is currently commonly known as "empty loan" means that the threshold is very low, without any mortgage, guarantee, or even credit. You can get a loan just by applying.

Borrowers with certain experience will know that this kind of zero-threshold loan often has hidden "routines" and the interest rate is very high.

Compared with loan sharks, empty loans have higher interest rates. News shows:

A borrower borrowed 30,000 yuan, only received 15,000 yuan, and actually had to repay 44,000 yuan a month. Yuan, this is no longer borrowing money, but robbing money!

This kind of loan that does not require any conditions can easily be defrauded by institutions, sign various unreasonable requirements, use violent methods to collect debts, and ultimately fall into endless troubles.

9. Campus Loans

Campus loans refer to the behavior of school students borrowing money from various lending platforms.

The campus loan market is mainly distributed in second- and third-tier cities. When children in third- and fourth-tier cities and rural areas are admitted to college, some families cannot afford the funds their children need for consumption, study and even starting a business in the city. , the rapidly expanding consumer desire will prompt students to find loan platforms through various channels, and even private loan sharks.

Although loans are like Zhou Yu's yellow cover, one is willing to pay and the other is willing to bear it, but these high interest rates are more likely to be paid by students who have no financial resources of their own. If you exceed the due date, you will be maliciously collected, and you may even suffer personal insults.

The above types of loans hide various scams. People who need to borrow money are already short of money, and it will only be more difficult to fall into them. Therefore, you must keep your eyes open when borrowing, and do not be deceived.