Help you loan platform call and ask for a 20,000 loan interview. Said the platform approved it. Don't go if this happens because it's most likely a scam. If you go, they will use your mobile phone to download a loan APP, use your ID card to operate it, and finally charge you thousands of yuan in handling fees.

In fact, we can get these loans ourselves, but the other party is taking advantage of our inability to operate, so they can get money from both sides without spending a penny. I would like to remind everyone that you must go to a bank or a regular online loan platform for a loan, and do not trust the loan company’s interview process.

What should you pay attention to when signing a small loan contract in person?

Small loans are business loans focused on individuals or families. The loan amount is generally between 1,000 yuan and less than 200,000 yuan.

1. Look at the interest rate. If it is more than 4 times higher than the benchmark interest rate for the same period, it is illegal.

2. Check whether there are any fees before lending. If fees are charged in the name of various handling fees and interest, there will always be the problem of loan arrears.

3. Check whether there are other suspicious signs, such as remittance to pay interest, charges for various reasons before lending, interest rates that are too high, no contract signed, etc.

4. Although it is called a small amount, it is still a loan. All loans, whether bank loans or private loans, require that you have the ability to repay. In other words, these statements are not required to be lent to you under any circumstances, so be careful.

5. After taking out a loan from a small loan company, pay attention to timely repayment. If microfinance company loans are not repaid on time, interest will be charged. At the same time, personal credit may also be affected. It is recommended to submit an accelerated loan application for free, and it will be processed by a credit manager of a regular lending institution for free.

Extended information: Consequences of non-repayment of the loan

1. The lending institution will collect the due loan from you in accordance with the law. According to the provisions of the loan contract and the guarantee contract (mortgage or pledge contract), The lending bank will sue the court, and the court will take property preservation and other measures, including freezing the deposits in all bank accounts of you and the loan guarantor, and seizing your mortgaged properties. After the judgment is made, the property will be enforced in accordance with the law (withholding of deposits, auction of mortgages, etc.) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest and penalty interest, as well as all resulting litigation costs, related costs incurred when disposing of mortgage (pledge) properties and realizing them, etc.

2. Your credit will be affected, and loans in your personal name will also be recorded as overdue loans in the national personal credit consultation system. If the lending bank does not clear your record, you may not be able to get a loan from any bank in the future. Your credit may be blacklisted. You may be restricted from traveling and not allowed to fly or go abroad. You may not be able to get a loan from any bank in the future. No tickets can be bought.

3. If you provide false information or provide false information when borrowing money, the lending institution may sue you for loan fraud. If the loan fraud is true, you may be sentenced for fraud. The "Criminal Law Amendment (6)" creates new crimes. Article 175-1 of the Criminal Law, “Whoever obtains loans, bill acceptances, letters of credit, letters of guarantee, etc. from banks or other financial institutions by deceptive means, causing heavy losses to banks or other financial institutions or other serious circumstances, shall be sentenced to fixed-term imprisonment of not more than three years. Or criminal detention, and shall also be fined, or shall be fined alone; those who cause particularly heavy losses to banks or other financial institutions or have other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years, and shall also be fined.”