Generally, there are the following kinds of online microfinance scams:

Loan scam 1: no mortgage required.

Many online advertisements say "no guarantee, no mortgage". They use these false advertisements to attract those who are in urgent need of raising funds and loans, and guide them into scams. This kind of fraudulent loan has almost no loan conditions, no mortgage, no guarantee, and the interest is extremely "reasonable". Is it really such a good thing that it is neither usury nor threshold? Borrowers should think carefully.

Loan scam 2: Pay first and then lend.

Generally speaking, formal lending institutions will not charge any fees before they successfully lend money, so if you apply for a loan online and the other party asks you to pay the fee first, then there is a 99% chance that you will meet a liar.

Loan scam 3: ultra-low interest rate loans

Compared with other lending institutions, this bank has the lowest loan interest rate. But even if the bank loan is the lowest, the interest rate of small unsecured loans will be around 8%. So if you apply for a micro-loan online, the other party will say, "The micro-loan is 30,000 to 65,438+10,000, and the interest rate is only1%.............", Bian Xiao tells you responsibly that you have met a liar.

Loan scam 4: ID card loan

Mortgage loans need collateral, and unsecured loans also need stable jobs, floating wages and good personal credit to successfully apply. There is no such thing as a loan with only one ID card. If the other party says that he can get a loan with his ID card when handling online micro-loans, then the other party is a big liar. Don't be cheated.

Loan scam 5: no need to meet and fax the contract.

Although online loans can submit application materials online, they usually choose to sign the contract in person in the end, so the other party says "no need to fax the contract in person", so you really have to think about it. Don't fall into the trap.