With the booming stock market and property market and the improvement of domestic economy, the mortgage-free and guarantee-free micro-credit loan market for working-class and micro-business owners has been gradually liberalized. As long as customers have good credit and stable income, they can borrow money. In addition to banks that provide small loans such as Harbin Bank, there are also large national formal loan companies such as Zhongan Xinye, and all kinds of loan scammers are increasing day by day, and scammers' text messages are overwhelming. I believe that everyone has received it to some extent. So, how to identify who is a liar? The following methods can help you:

1. Charge the handling fee and interest fee before the loan;

2. Online publicity, the website is small in scale, and generally a secondary website established for individuals only has a mobile phone number and no formal contact information;

3. No relevant information of the company can be found on the website of the industrial and commercial department;

4. The so-called award certificates left by the website are all vague, and the actual content cannot be seen clearly;

5. Most of the pictures on the website are stolen from the existing well-known loan websites;

6. Generally speaking, it is claimed that the loan speed is faster and the loan amount is higher;

7. The commitment is lower than the interest of formal loan companies in the market;

8. The commitment to lend money to cities across the country is actually impossible to achieve;

9. Claiming to cooperate with the bank to lend money, but there is no such cooperative customer after communicating with the bank;

10. The mobile phone number of the left advertisement does not match the local city. Be sure to check more relevant information;

1 1. Ask customers to remit money to personal bank accounts;

12. It's easy to tell you with little information that your audit has passed and you can check the accounts by phone.

13. Some retired employees of formal loan companies use professional knowledge to guide you how to create false information to obtain more loan quotas, and then extort your loan success agency fee;

14. Advance deposit and inspection fee;

15. promise to turn credit into a blank sheet of paper as long as you spend several thousand yuan a week;

16. The loan can be released on the same day after the full handling fee is paid;

17. Interest and handling fee can also be negotiated;

18. virtual phone has its own banking system, but please make inquiries through the regular banking inquiry system;

19. Build a website and a virtual system with a name very similar to the formal loan to start a business;

20. Take advantage of the urgency of college students' entrepreneurial psychology and lack of social experience to defraud the deposit or handling fee;

2 1.

Generally speaking, people who charge fees in various names before the loan is issued are suspected of fraud, because in formal loan companies, these fees are deducted when the loan is issued. So please be sure to find a regular loan company that "the loan is unsuccessful and does not charge any upfront fees".

Before lending money, please identify the company that does not charge any fees-Zhongan Xinye.

Please accept the answer and support me.