It is said that finance has noticed that good staging marketing, which is active in the loan market, is suspected of false propaganda and induced consumption, and the actual interest charged is inconsistent with the contract interest, and there are also cases where the loan interest fee is too high.

Many borrowers said that they were attracted by the advertisements of "low threshold" and "fast loan", but after borrowing, they found that although the interest rate marked in the loan contract was low and the annual interest rate was clearly stated on the good installment platform, the actual comprehensive loan interest rate was far more than that, even exceeding 36%.

"Isn't this a usury?" Many borrowers on the staging platform are quite critical of this.

Members can't raise money until they start business, and there is false propaganda.

Good installment membership rights have been criticized. Open the installment App and prompt that the charging standard for recharging svip is season card 179 yuan, and the annual card is 339 yuan.

After opening svip, you can enjoy exclusive cash withdrawal, interest-free loan vouchers, repayment deduction vouchers, preferential loan issuance, accelerated loan approval and other rights.

As for the withdrawal amount, the page shows that the maximum withdrawal amount is 12000 yuan, and there are 6 withdrawal opportunities. The exclusive advertisement shows that the maximum amount can be raised from 2000 yuan to 4000 yuan each time. However, some users have reported that the actual amount raised is only 100 yuan, which is not as high as the membership fee.

As early as 202 1, some netizens broke the news, "Members who bought a good staging platform paid 1 19 yuan, raised 100 yuan, and then failed to borrow with coupons for three consecutive days." There are two routines: the first routine, four chances of "less than 2000 yuan", actually only 50 yuan or 100 yuan; Second, the routine of coupons, as long as you use coupons, no investors are willing to borrow money.

Some users have encountered the same problem at a good stage. As the repayment date approaches, they are in a hurry to use money. They opened the software and saw that the maximum amount of members opened could reach 4000 yuan, so they established a member. As a result, they only raised the limit of 150 yuan, which can only be used next month.

In addition, if you can apply for the quota for the first time at a good stage, you can get the following quota after you basically sign it. However, when the loan is renewed within the subsequent quota, the platform will conduct a second review of the customer's qualifications. Once the quota is not up to standard, the quota will be rejected.

In the membership rules of the good installment page, it is written that the application for cash withdrawal is not 100% successful, but is determined by personal credit. And make it clear that the membership fee cannot be refunded!

The interest rate as high as 36% is inconsistent with the contract interest, which is suspected of inducing consumers.

Recently, on the black cat complaint platform, some users reported that they borrowed three times on the good staging platform. The contract interest rates are 65,438+05%, 8% and 65,438+05% respectively, but the actual repayment rates are 35.6%, 35.94% and 35.6%, which greatly exceed the contract interest rates and are totally inconsistent with the loan contract.

After comparison, it is found that the reason for the difference in loan interest rate is that there are service fees and deposit in the repayment bill, but these two fees are not reflected in the contract.

Moreover, on the official WeChat service number of good installment service, the loan page only displays information such as "the fastest five minutes to arrive", "the longest installment can be divided into 12" and "the maximum loanable amount is 200,000", and the interest rate is not indicated.

Good staging App displays information such as the maximum loanable amount and "you can get the amount after completing real-name authentication", with an annual interest rate of 9%.

As a media platform widely used by the public, WeChat service number must be publicized according to regulatory requirements to protect the legitimate rights and interests of consumers.

In addition to hidden consumption, ultra-high interest rates and other operations, a good installment work is also staggering.

A good stage is one with Jin Fu in mind.

The main body of good staging operation is Beijing Microfinance Technology Co., Ltd. According to its introduction in official website, the company is a consumption staging platform centered on Jin Fu. It provides online installment shopping and cash loan services for young Internet consumers. Jin Fu with Heart is the parent company of Renren Loan and Heart with Pratt & Whitney on P2P platform.

You Jin Fu's fund is mainly an online P2P online lending platform.

At present, the regulatory trend is becoming clearer and clearer, and many loan interest rates are falling. Only by operating legally and in compliance can we "seize" the customer base and market share, instead of repeatedly touching the red line of the consumer finance industry.

Loans should not be a harvesting tool, but a catalyst to help economic growth and people improve their lives.

(Image from Black Cat Complaint Platform)

Related Q&A: Which is the best formal loan platform? Hello, if you are in urgent need of money, you can consider using loans to relieve your pressure, and at the same time try your best to make money. There are many ways to apply for a loan now. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security. The online lending platforms with high credibility and fast collection are (it is recommended to collect them in case of emergency):

1. Money to spend

Money Flower is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Money Flower, renamed as "Money Flower" in June 2065438+2008). The big brand is reliable and trustworthy, and the interest rate is low. It takes 5 minutes to arrive at the account at the earliest, and it is easy to borrow money. The maximum loan amount is 200,000 yuan (click on the official link to get the calculated welfare amount), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.

Step 2 rent a shot

Brand programs help young people grow up hard, including a thousand-person auction loan fund and a youth program. The loan service of the auction loan platform includes universal loans and other loans for individual users, with the maximum loan amount of 1.8 million (click the official link to receive the welfare calculation amount), and the lending process has been highly automated; The cumulative registered users of the auction loan exceeded 654.38+0.2 billion. It is a loan matching service platform selected by many domestic users.

3. Comfortable flowers

Easy-to-consume users can withdraw cash, spend in installments and at an annualized interest rate of 7.2% (simple interest), and implement risk pricing within the scope of laws and regulations. According to the user's credit situation, provide a loan amount of 500,000-200,000 yuan (click the official link to receive the welfare calculation amount), and use the credit for one cycle, and the fastest loan is 1 minute.

Step 4 pay it back

Huanbai APP is a staged service platform based on daily consumption scenarios. 2065438+officially entered the market in February 2006, with a maximum credit line of 200,000 yuan (click the official link to receive the welfare calculation line), providing young people with various services such as bill installment, credit installment, cash installment and installment mall. Users can enjoy more flexible, convenient and efficient installment life service in shopping, consumption, repayment and other scenarios. Up to now, the APP has more than 65 million registered users, providing reasonable credit services for more than100000 users, and helping "upward youth" achieve their small goals in life.

5. China Post Wallet

China Post Wallet Loan is a loan business of China Post Consumer Finance Co., Ltd., which belongs to formal financial behavior. The maximum revolving loan amount is 200,000 yuan (click the official link to receive the welfare calculation amount), with daily interest, without interest, and approved by the Bank of China Insurance Regulatory Commission; A national financial institution initiated by seven enterprises, including China Postal Savings Bank, to provide consumer financial services for individual residents.

Tips: The above information is for reference only, and no loan suggestions are made. In the process of online lending, we must pay attention to preventing risks. In order to ensure the safety of funds and prevent routine loans, we suggest that you choose a formal bank or a formal loan platform based on your own judgment after fully understanding it, and borrow reasonably according to your actual situation.