1. The annualized interest rate is 36%.

There are policies on the top and countermeasures on the bottom. Many platforms seem to strictly enforce the loan interest rate ceiling of 36% annualized interest rate, but in addition to interest, the platform will also charge borrowers various fees such as service fees, handling fees, management fees and deposits.

2. Borrow 1000 and 700.

Many platforms claim 0 interest and 0 handling fee. Honestly, it's bullshit. The platform basically charges in the form of beheading interest, that is, the loan interest, handling fee, management fee, deposit and other expenses are deducted from the loan principal in advance, such as loan 1 000 yuan, and the next payment is made to 700 yuan. Of course, the repayment after two weeks is 1 1,000 yuan.

3. The penalty interest is set at will, and cannot be exceeded after the deadline.

Are you afraid of the loan 1000, and you will be fined 300 for one day overdue? To put it bluntly, the pre-lending platform never informs borrowers of these "sky-high" fees, so many people find that this platform generally does not prompt borrowers to repay, because people are waiting for your sky-high overdue fees.

4. It doesn't matter if you have poor qualifications.

Many platforms only visit borrowers in name. Risk control is just a formality, some of which are not. They will even recommend the borrower to other platforms, because for them, as long as the borrower can borrow a new loan and repay the previous loan, it will be OK. As for borrowers, they are stuck in the * * * loan model, because many borrowers are heavily in debt. That's your own business. What does this have to do with me?

You don't need any information to pay.

Too many platforms claim that they can make money as long as they fill in the information, but when the borrower completes the submission, they are all told that the system qualification is insufficient and the quota has expired. In this case, it is basically cheating information. Lending you money is false, obtaining information is true, and then selling your information for profit.

6. Pay three minutes in advance.

The application has been submitted for several days and there is no feedback at all. Are you in a hurry? After all, it is good to apply for a loan to understand the urgent need. If the loan can't wait, the day lily will get cold. ...

At this time, the platform suddenly jumps out to tell you that you can lend money within three minutes by paying a deposit of several hundred yuan. Are you paying or not? If the money is paid, it is impossible to lend money within three minutes. Even if it is possible, it will have to wait until China men's soccer team wins the World Cup. It is absolutely necessary to be hacked by the other side. This IQ tax has been paid, and there is nothing wrong with it.

7. There is a parent group behind the student loan.

Why can students without income sources get loans so easily? You just need to take a photo with your ID card and upload it, and you can get a loan by submitting basic information? It's simple. Students have no money and parents have money. They are interested in the parents behind the students. The interest rate of this kind of loan is extremely high, and the loan period is basically one week, so the possibility of student repayment is very small. Therefore, students are required to submit some "collateral", such as nude photos, such as "Jiali Loan". Once in loans overdue, nude photos of borrowers will be widely exposed and even threatened with compensation.

8. Be a good matchmaker and plan to pay a high price.

There is a person who has the identity that the borrower loves and hates-the loan intermediary. Some intermediaries can really recommend suitable loan products to borrowers, but many intermediaries just want to get high handling fees.

They promised to introduce the products to you, paid a fee first, and claimed that they had problems with their qualifications, so they needed to pay another fee until they squeezed your wallet dry and couldn't come up with more money, so they gave up and found an excuse that they couldn't do it themselves and kicked you away.

9. It doesn't matter if it's overdue. Compound interest keeps rolling.

Overdue? It doesn't matter, it doesn't matter whether you are malicious or not! What shall we do? The overdue penalty fee is included in the principal, and the interest is not calculated analytically! We are easy to talk to!

Of course, people are not stupid. If they calculate the principal directly, it will become usury. Quietly calculate according to the principal, and then collect all kinds of secondary fees, service fees, deposits and so on.

10. Debit the money directly from the bank debit card for repayment. If the money cannot be repaid on time, the prepayment date and various packages will be modified without authorization. ...