Trap 1: confuse the real with the fake.

Many people don't know much about cars, and even some consumers don't have a basic understanding of cars and don't know much about car models. It is easy for bad car dealers to make a profit and sell an entry-level car as a luxury class. So it is very important to choose a large-scale and formal trading market when buying a car.

Trap 2: Raise the price

When the formalities have been completed and the car can be picked up, the car dealer makes a request. For various reasons, consumers have to pay a certain amount of fare on the original car to pick up the car.

Trap 3: use contracts to deceive consumers.

If consumers don't look at the contract carefully, they are likely to hide various traps. For example, the contract indicates that the repayment method is "equal principal and interest repayment method", but the personal car loan details printed by consumers in the bank are "increasing principal and decreasing interest".

Trap 4: 0 interest rate car purchase

There are often various car dealers who attract the attention of car buyers under the banner of "zero interest rate" loans. However, there is an extra handling fee in the loan purchase price, which is calculated according to the percentage of the purchase price. Of course, this part of the cost will not be written in the promotional advertisement.

Trap 5: 1 yuan auto insurance

1 yuan auto insurance sounds very cost-effective. Although it includes such affordable contents as motor vehicle theft and third-party insurance, it actually needs to buy other commercial insurance, and other messy expenses will actually cost more money.

Trap 6: special car and through train

This kind of car has a high probability of having a new car or a stock car. No one wants to get a new car and look for a lot of new cars, so pay attention to this situation.

Trap 7: sign a blank contract.

Some car dealers cheat consumers into signing blank contracts. When consumers go to the dealer to go through the formalities of buying a car, the dealer first makes a verbal commitment, and then asks the consumer to sign the blank contract. However, after the completion of consumer loan procedures, when consumers saw the credit contract, they found that the loan amount was different from the previously promised price.

Trap 8: Car dealers have no credit qualification

Some car dealers have no credit qualification, but they take the consumers who buy cars by installments to the dealers with credit qualification to go through the installment payment procedures.

Trap 9: two mortgage

Although such problems are rare, consumers should also be alert to the dealers' second mortgage on their cars, which leads to fraudulent loans.

Trap 10: Don't be deceived by daily and monthly offerings.

Sometimes, when some loan companies publicize, they do not explain the loan interest rate, but use the daily supply and monthly supply to publicize. Low-cost loan repayment will impress consumers, but when the loan interest rate is actually calculated, the interest rate will be high.

Trap 1 1: Overpayment

When consumers go through the formalities of buying a car with a loan, the dealer deliberately overcharges the money and does not provide the consumer with a bank loan contract, so that the consumer cannot detect it.

Trap 12: not applying for a loan according to the agreed standards.

Some loan companies often give consumers a lot of promises when they go through the formalities, but in fact they can't succeed. At this time, consumers demand to refund the handling fee and bear the loss of loan interest, but the loan company is unwilling to solve it.

Trap 13: Default cost

Dealers use the complexity of loan procedures and calculation methods to deliberately "shrink" the repayment period of loan contracts, thus causing consumers to "default" and then defrauding consumers of extra money.

Extended data

Detail 1: Interest-free car loans are subject to handling fees.

Many auto financing companies have launched interest-free car loans, but the regulations on handling fees are different, some of them are charged and some are not. If the car you want to buy is interest-free and fee-free, it is still relatively affordable. If you need to charge a handling fee, you must carefully calculate and measure it.

The handling fee of car loan is generally between 4% and 7% of the total car payment, and the handling fee is paid at the same time as the first month payment. If the handling fee is too high, consider other types of car loans.

Detail 2: Read the relevant insurance clauses carefully before applying for a car loan.

Buying a car with a loan is to mortgage the car to the bank. Before paying off the bank loan, the car belongs to the bank. In order to reduce risks, banks generally require consumers to buy some auto insurance as loan conditions in car loan contracts. The premiums of these insurances may not fully meet their own requirements, and may even be too high. Therefore, you must read the relevant insurance clauses carefully when applying for a car loan, and you can't ignore this fee.

Detail 3: There are many restrictions on buying a car with a zero-interest loan.

Many manufacturers and car loan agencies have introduced interest rate loans to buy cars, especially some high-end cars. But there are two restrictions on buying a car with a general interest rate loan:

First, buying a car at zero interest rate cannot enjoy the cash benefits of related activities, and the amount of these cash benefits is sometimes quite large;

Second, buying a car with interest rate loans is easily restricted by time, region and dealers, and it is not always a unified activity. If you want to buy a car with an interest rate loan, the above two aspects must be considered comprehensively.

Detail 4: seriously consider the floating car payment and loan interest rate.

Generally speaking, if it is an interest-free loan, the car price will always rise to a certain extent, and the price of cash car purchase and loan car purchase cannot be the same. In this case, I have to calculate how much the floating amount is, and whether it exceeds the total interest of buying a car with a commercial loan. If it exceeds, I might as well apply for a commercial vehicle loan. If not, I can apply for an interest-free loan.

After reading the seven loan scams, 20 19 is no longer a routine.

Often walk by the river, where can I get my shoes wet? Even if you are a knowledgeable person in the Jianghu, you are familiar with the gossip of the earth in the middle of geography, but there is a saying that "there are mountains outside the mountains and people outside." As far as these pits in the loan circle are concerned, no matter you are a hundred Xiao Sheng or a divine operator, they are basically impossible to prevent.

Routine 1: Black households can also borrow money.

I ran to several banks and didn't get the money. I registered several online lending platforms, but all the loans were rejected. At this time, if someone pats his chest and says that he can help eliminate bad credit information, even black households can borrow money. Does it feel as warm as charcoal in the snow? The swindlers seized the psychology of these people and made loans. To be sure, formal lending institutions will not lend money to black households. Most people who are willing to lend are private loans in professional cloaks. Nine times out of ten, it is a trap. At this time, although the lender can make a successful loan, the loan cost is huge, and even the final interest is more than the loan principal, and family members are also facing the risk of debt collection.

Routine 2: Only ID cards can be used for loans.

"You can borrow money with your ID card, and you can lend money on the same day." "You can get a loan of up to 200,000 yuan without mortgage or guarantee." I believe everyone is familiar with these words. Whether on bicycles or telephone poles, such advertisements can be seen everywhere. This is definitely a great temptation for people with poor qualifications and in urgent need of money, but is it really a trustworthy lifeline? In fact, these advertisements just shout empty slogans, and most of them are already designed traps, just waiting for you to step on them. After you express your willingness to lend to them, you need to pay the introduction fee, handling fee and deposit first. After the payment, I told you that you would get the loan in a few working days, and then they went out of thin air and lied to you.

However, if you want to apply for a high-amount loan in a formal financial institution, it is not as simple as providing an ID card. Your real estate, car, salary, provident fund, only provide these certificates that can reflect your financial resources and credit, formal lending institutions can lend you money, and free lunch is only an illusion after all.

Routine 3: Help you wash your credit information.

Many people's loans were rejected because of overdue credit stains, so the fraud industry of "credit whitewashing" was born. The relevant departments have come out to create rumors in this regard, and it is simply unrealistic to eliminate credit stains at will, so don't trust those who say that they have a wide range of contacts and that someone inside the bank will help you eliminate bad credit in minutes.

As we all know, credit information has a great influence on applying for credit cards and loans. Most of the formal loan platforms have extremely high requirements for credit reporting, and users with poor credit reporting are basically sentenced to refuse loans. The swindler just takes advantage of people's psychology of trying to whitewash their credit information. These scammers claim that someone in their bank can help clean up credit information, but they need some money to get up and down. Not only will you not be able to borrow money, but you will also be cheated out of it.

Routine 4: Pay a three-minute deposit first.

The application has been submitted for several days and there is no news at all. I'm anxious! After all, it is good to apply for a loan to understand the urgent need. When the loan comes down, the day lily will get cold.

At this point, if someone tells you that you can pay the 300 yuan deposit within three minutes, will you pay it or not?

If you pay the money, it is impossible to make the next payment within three minutes, but there is a great possibility of being blacked out by the other party. This IQ tax has been paid, and there is nothing wrong with it.

Routine 5: 700 loan 1000.

Many platforms claim 0 interest and 0 handling fee. To tell the truth, this serious nonsense is really admirable. Lend me money without charging a dime. Are you stupid?

In fact, in this case, the platform charges in the form of beheading interest. The specific means of operation is to deduct loan interest, handling fee, management fee, deposit, etc. From the loan principal. For example, the loan 1 000 yuan will be repaid to 700 yuan in the next installment. Of course, after a week, you need to return it.

Hehe, isn't 300 interest deducted? In fact, the only principal borrowed is 700 yuan. Simple calculation:

Daily interest rate = interest/principal/loan days =300/700/7

The annual interest rate and daily interest rate are 360=(300/700/7)360≈2200%.

Nima, the annual interest rate is over 2200%. Your interest is so long?

Routine 6: Double refund for single refund

"Online shopping products have quality problems, not only can they be refunded, but they can also be double indemnity!"

2065438+2008 very popular "return to loan". Basically, they pretend to be customer service to call users, add WeChat and Alipay, and then induce users to refund. In fact, they lure users from the loan platform and then take other loans by scanning the code.

Taobao refund scam has a long history, but it only increases the channels of loans, so that victims can be cheated even if they have no money, and the degree of harm is even higher. Therefore, after receiving such a strange phone call, you must not be confused by the stuffing cakes falling from the sky, and you'd better refrain from eating them. Beware of being introduced into the online loan platform by the other party. The most important thing is that once a stranger asks for a transfer operation, nine times out of ten the liar will set you up.

Routine 7: "Yin-Yang Contract" Set a Trap

Not long ago, CCTV exposed such a loan case: Mr. Guan borrowed 60,000 yuan from the company and signed a loan contract of 1.7 million yuan. Because it couldn't be opened, 60 thousand turned into 460 thousand, and threatened to take his property!

In fact, we have always seen this routine: signing a yin-yang contract with the borrower, forcing the lender to sign a loan contract with a higher amount when the borrower is unable to repay, and what's more, letting the borrower use the house or car as collateral. In the end, borrowers often put all their assets into it, unable to repay the loan, and the real loan will be ruined.

Of course, the loan is far more difficult than the above, but the common ones are basically here. Babies who are short of money should use their brains when they want to borrow money. It may be difficult to turn over, and it is not impossible to lose everything. So, comrades, be careful!

What are the pitfalls of loans?

The following defects exist:

1. The repayment amount is inconsistent with the original loan amount.

2. Deliberately write the borrower's name, such as replacing the lender's name with similar words.

This person will write an iou or sign it, and will not recognize it afterwards.

4. Ambiguous words were used in the IOUs, and they were not recognized afterwards.

legal ground

Article 193 of the Criminal Law, in any of the following circumstances, loans from banks or other financial institutions for the purpose of illegal possession, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) fabricating false reasons such as introducing funds and projects;

(two) the use of false economic contracts;

(3) using false documents;

(four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral;

(5) Loans in other ways.