After being cheated, I always knew that there was nothing cheap in the world. If you had put yourself in the shoes, if you were an employer, would you have borrowed money?

Second, are online loan borrowers all liars?

It is recommended that you choose formal channels to handle loans, such as bank channels;

The loan amount through China Merchants Bank is small (less than 50,000 yuan). If you are already a user of China Merchants Bank and downloaded the mobile banking APP of China Merchants Bank, you can try to apply through this interface by logging in to mobile banking and clicking My-All-Loan-I want a loan. If you meet the credit card requirements of China Merchants Bank, you can try to apply for a credit card.

The loan amount is more than 50,000 yuan. If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank outlets. Due to the different requirements and application materials of each loan project, the current loan purposes are: car purchase, parking, decoration, education, bulk consumption shopping, tourism and other legitimate personal or family consumption; And the use of business turnover. You can call 95555 at 8:30- 18:00 to enter the manual service and provide the loan purpose and city for detailed information. Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank.

Third, the borrower called me and said that he would help me with the information loan. You have to pay a handling fee of 100 yuan in advance. Is it true?/You don't say.

First of all, answer directly.

The platform for handling loan fees first is not reliable.

Second, the specific analysis

After all, it is illegal for consumer financial institutions with financial licenses approved by the CBRC to charge no upfront fees before loans are issued.

If you borrow money from a certain platform, the other party asks to pay in advance on the grounds that the provided bank card needs to pre-store some funds to prove your identity, or the bank has to pay money to unfreeze the wrong funds. Then the other party will not pay easily. Most of them charge "beheading interest" in disguise, and the actual situation is the same.

In this regard, the correct way is to directly refuse and then give up the loan (it is recommended to find another loan platform with a financial license to refinance). In order to prevent the subsequent harassment of the platform, you can also try to cancel the platform account and unbind the bank card; At the same time, you can collect evidence to report. If the money is paid, causing economic losses, you can also bring a lawsuit to the local people; Or report to the local public security department.

Online loan big data can clearly reflect the user's recent application for online loans, whether online loans are repaid on time, and whether identity information is suspicious. You can use credit inquiry tools such as "Beijian Quick Check" to get a detailed risk report.

Third, how to solve the service fee charged by the loan platform?

If the platform applying for a loan charges a service fee, if it is a regular fee, such as installment fee and prepayment fee, it can be paid according to the regulations.

If it is unreasonable, such as the service fee for opening a member, the service fee for unfreezing loan funds, and the deposit. It is recommended not to pay.

We should know that any formal lending platform with a financial license approved by the CBRC will generally not charge any fees before the loan is issued. If the money is paid, most of it will not be paid back. In fact, it is equivalent to paying a "beheading interest", and personal money is bound to be damaged. Even some small loan platforms will directly "roll the money and run away", and then they will not lend money and can't contact people.

It is best to give up the loan of the platform directly, apply for a new loan from other licensed consumer financial institutions again, untie the bank card and directly cancel the loan account of the platform; You can also report to the local CBRC or the Internet Finance Association.