Baidu's anti-alliance team specially reminded:
Please be alert to all kinds of fake loans and scams that deal with large credit card information published online! Most of the information published online that you can borrow money or apply for a credit card as long as you have an ID card is a low-level scam. Don't trust the company whether it is registered or not. The swindler will cheat you to sign the fax contract and hold your fingerprint, and then cheat you to apply for insurance step by step, pay the first month interest, performance fee, deposit, guarantee fee, loan fee, notary fee, credit fee, mortgage fee, card opening fee and so on. In the name of insufficient running water in your bank, checking your repayment ability or capital verification, you are required to transfer all the funds in your account to the liar's account, or even ask you to apply for a bank card at a designated bank, and then bind the liar's mobile phone number. I didn't know that this method would cheat all the money in your account. If you don't pay the fee as required by the swindler, the swindler will threaten to blacklist you in the name of signing a contract with them, and threaten you to breach the contract and pay huge liquidated damages.
Please always remember that it is absolutely necessary for the other party to ask you to pay any fees in advance for any reason. Under no circumstances should you remit money, transfer money or pay any fees to others first, so as not to be cheated! Don't believe the threat of any liar. Because the other party is suspected, the contract signed with the liar has no legal effect and there is no so-called breach of contract. Low-level means that the liar's threat to pay liquidated damages is pure nonsense, don't worry.
Therefore, I would like to remind all netizens that the company cannot lend money across regions. Please apply for a credit card at a regular bank. Don't believe such loan or card information released by various online investment and financing guarantee companies and various microfinance companies, especially in big cities such as Beijing, Shanghai, Guangzhou and Shenzhen, which are basically liar companies! If you are cheated, regardless of the amount, please choose to call the police! So rampant, please also ask local public security organs to vigorously crack down on rectification!
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Intellectual heroes interested in anti-alliance, come and join the anti-alliance team. Please click on the anti-alliance application below to join, answer questions and help others together, so that the world can't cheat without you!
Is it reasonable for intermediary companies to borrow money from materials?
It is legal and reasonable for loan intermediaries to charge agency fees. Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises Article 40 The State encourages all kinds of social intermediary institutions to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises.
The agency fee is a legal fee, and the law supports it as long as it does not exceed the standard. Because some expenses did occur during the loan process, it is legal to collect intermediary fees such as insurance premium, agency fee, license fee and entertainment fee.
Extended data:
Is the loan intermediary legal?
Formal loan intermediaries are legal.
A loan intermediary refers to a loan intermediary company that acts as an agent for a variety of products. Users can apply for various loans on the company's online lending platform, and the intermediary company will earn a certain percentage of commission. And some loan intermediary companies that are not registered in the industrial and commercial bureau and have no relevant licenses are illegal. Most of the loan products on these platforms are. It is suggested that the borrower choose a formal and legal loan intermediary company to borrow money, otherwise it will fall into a trap.
Is there an upfront fee for the loan? Is it true that there is an upfront fee for handling loans?
Loans that charge fees are all deceptive? When applying for a loan, in addition to submitting personal data, the applicant must also pay the relevant handling fees incurred by the loan. However, some lending institutions require applicants to pay various fees in advance, which inevitably makes many applicants doubt the authenticity of the fees. So do you really have to pay the upfront fee for the loan? Let's analyze it for everyone.
First of all, handling loans does incur expenses, mainly loan interest expenses and handling fees. Among them, the loan interest expense depends on the loan interest rate of the lending institution. The higher the loan interest rate, the more fees will be charged, but the loan interest fee is paid during the repayment period. In terms of handling fees, the handling fees payable for different loan properties are also different, such as mortgage evaluation fee, guarantee fee and mortgage registration fee. These fees need to be paid after the next successful payment, that is, after the loan contract comes into effect, and there is no case of early payment.
Most of the related expenses are collected in advance. For formal lending institutions, the fees are charged after the next payment, and most of them are deducted from the loan. There will be no behavior of asking the applicant for fees, and there will be no behavior of promising successful loan payment.
I would like to remind you not to be too eager to get a quick loan. Many swindlers have formally mastered the psychology of lenders, asking lenders to pay the formalities fees in advance to succeed. In order to avoid being fooled, everyone must go to a formal lending institution to apply for a loan. If you encounter a loan that needs to be paid in advance, you must be careful to avoid being fooled.
You must pay all kinds of fees before you can lend money.
Today, through the real case successfully dissuaded by this anti-fraud center, let us see the essence through the phenomenon and recognize the true face of telecom network fraud.
1, loan fraud
Ma received a customer service call from a loan company. Because there happened to be a loan demand, he installed a loan app under the guidance of the other party and tried to apply for a loan of 200,000 yuan. After Ma filled in his personal information according to the relevant registration process and paid the 200 yuan membership fee, the other party said that he had lent money to the platform, but Ma has been unable to withdraw the money. At this time, the other party told him that the bank bound on the platform entered the wrong number. At present, the account has been frozen, and it needs to transfer 20% of the loan amount to unfreeze the account. After the thawing is successful, the "thawing fee" will be remitted to his account together with the loan. Just as Ma was preparing to transfer money, the anti-fraud center monitored that Ma was experiencing it, called in time to dissuade him, and analyzed the loan fraud routine in detail to prevent Ma from continuing to be cheated.
The scam was exposed:
1. Advertising is attractive. People are induced to install fake mobile applications by opening web pop-up windows and making internet phone calls.
2. Fill in the information and lend money quickly. Require the masses to fill in personal information and credit information, create the illusion of "regular loans", and pay a small amount of "membership fees" to release a large number of loans.
3. There is an error in the link, and payment is required. The loan process is not smooth, and there are procedural, procedural or technical errors. Asking ordinary people to pay a series of fees, such as unfreezing fees, handling fees, certification fees, loan interest, etc., claiming to pay back later is actually fraud.
Police tip: loans need to go through legal and formal financial institutions. Anyone who has to pay various fees before making a loan must be a liar!
Let's stop here for the introduction of the loan to pay the material fee first.