2. Formal loan companies don't need to pay any fees before receiving the loan. It's all a scam to ask you to pay. There is a simple way to identify this kind of fraud: because the liar's APP is fake, you can go to the app store of your mobile phone to search for verification. If it's not in the app store, that's the problem. Even if you fill in the wrong bank account number, the transfer will be returned, there will be no loss of funds, and there is no need to verify the funds for thawing. You don't need a deposit. So this is the routine of a liar. In the case that the card number is incorrect, it is also the case that the liar changed it into an error, just to find a reason for fraud.
Operating environment: apple 12ios 14.
Loan method
I. Secured loan
1. Take rural credit cooperatives as an example. In order to support agricultural development, the state allows farmers to make secured loans. When the borrower is unable to repay, the debt needs to be repaid by the guarantor.
This kind of loan is a "secured loan". As long as the other party is willing to guarantee for itself, and the lender recognizes the identity of the other party's guarantor, and both himself and the guarantor have repayment ability, then the loan can be obtained.
Second, mortgage loan.
This kind of loan is the most common loan, and private lending institutions and bank lending institutions are more willing to accept this kind of loan. There are many types of collateral, and there are almost no restrictions on the types. Anything of value can be used as collateral, such as houses, cars, valuable bonds, precious metals and so on. As long as you can provide these things that can be mortgaged, you can apply for a mortgage loan at a bank or a private legal lending institution.
Third, credit loans.
1. In the early years, the country liberalized the consumer loan business related to credit investigation and credit card approval, which also marked that China entered a trust society. Although this business is now banned, it is still a loan channel. Some private lending institutions focus on borrowers' credit reporting and sesame sub-lending. This kind of loan does not need any collateral or guarantor. As long as the borrower's credit information is good, he can get a certain "loan amount", but the interest of this kind of loan is relatively good, with an annual interest rate of more than 20%. When encountering some conventional loans, he owes 10,000 yuan, and the accumulated repayment may exceed 100,000 yuan.
2. Therefore, the annual interest rate must be clearly seen for credit loans. If you have a choice, try not to choose this channel and way to lend, and don't be cheated by these scammers.