When I was preparing to buy a second house, I almost made a usury. I still feel scared and almost got into a big pit. At that time, the house paid the subscription money, which was successfully shaken to the number, and then it entered the link of paying the down payment and handling the loan. If the down payment and loan procedures are completed within two weeks, 2% of the total house price can be reduced or exempted according to the preferential provisions of house purchase activities, which is not a small sum.
The opening time is one week earlier than I expected. My down payment for house purchase mainly comes from the stock repurchase money settled by my old employer, but the money hasn't arrived yet, so I thought I would wait another week in two weeks. As a result, a week has passed, and it still hasn't arrived, and there is no approval to call my old club finance. The down payment is close to 1 10,000, so it is impossible to find someone to borrow such a large sum of money in a short time, even if it is too late to apply for a loan from the bank, but I am still a little unwilling to think that if I can't pay the money on time, I will spend nearly 80,000 yuan more.
I expect my share repurchase payment will arrive in about 10 days, so if I can borrow a loan with daily interest, I only need to pay back the interest for 3-4 days and then pay it back, which can save tens of thousands of dollars and is also very cost-effective. So I began to search for this short-term loan on Baidu, and I found a guarantee company that can do this business. I can give me a sum of money in a short time, and then calculate the interest on a daily basis.
The next day I went to that guarantee company. In a high-end office building, it should be a more formal company, but I still feel an unspeakable depression when I go in. I talked to the salesmen inside and confirmed that they often make such loans to help people solve their urgent needs, but the interest rate is also insanely high, with an annualized interest rate of 48%! Because the state stipulates that the loan interest rate of more than 24% is not protected, the loan contract of this guarantee company divides the cost into two parts, one is the interest of 2% per month, and the other is the service fee of 2% per month. Because I can calculate the interest by the day, I think I will only borrow it for a few days, so although the interest rate is high, the interest I really pay will be much less than the house payment I can save, so I signed the contract immediately and left all kinds of information.
As a guarantee company, it is impossible to give you a sum of money directly and apply for a mortgage, so I am going to use my first house as a mortgage. However, it takes some time to go through the mortgage formalities, so I communicated with the guarantee company that the loan must be released the day before the money is needed, and the other party agreed whether the mortgage was completed or not.
Fortunately, the day before we agreed to go through the mortgage formalities, my share repurchase money suddenly arrived, and I no longer need to borrow money from the guarantee company. So I sent a red envelope of several hundred dollars to the salesman who had handled the contract for me before, asking her to send my materials back, and all the contracts signed before were destroyed.
It should be said that I didn't really fall into this pit. If my down payment didn't arrive at that time and I really mortgaged the property to the guarantee company, it would be difficult to guarantee that the guarantee company would lend money on time. Even if you get the loan, you have to settle the loan and interest later. I don't know if you can get the property back smoothly and there will be disputes. These are all unknowns.
Online loan scam:
The background of this loan is exactly the same as that mentioned above, and it is also for the down payment of the same house. Because the money was badly needed at that time, I looked everywhere for ways to get a quick loan. Although I also know that the guarantee company can meet the requirements, but after all, the interest is very high, but also for real estate mortgage, so I want to know whether there are large loans on the pure line, and the interest rate can be as low as possible. Don't tell me. I really found it.
According to the customer service of the website, mortgage-free loans can be provided, and the interest rate is slightly higher than that of bank loans. You can also calculate the interest on a daily basis and pay it back when you borrow it. As soon as I heard it, I felt that it met my requirements and asked how to operate it. The other party replied that it needed ICBC's online banking, a U shield and a QQ friend. According to the instructions of that QQ friend, the loan can be approved and received the next day at the earliest. I forgot the details. That's about it.
As soon as I heard it, I felt something was wrong, so I continued to search for ICBC U shield loans. I don't know if I don't search I was shocked when I searched. It turns out that many people have been cheated. The so-called loan is a complete scam. The swindler took advantage of some loopholes in the U shield. You need to deposit money in the ICBC card first, and then brush away as much money as there is in the card.
Seeing the experiences of many netizens, I was scared out in a cold sweat myself. How can there be such a simple loan? The other party doesn't know you. Why should I give you some money? You're thinking about other people's money. In fact, others have been calculating you. I'm lucky this time, too. Fortunately, I was careful not to fall into the pit.
About the author: Jane, today's headline signing author, LinkedIn columnist, Sina finance columnist, notes and other major financial platforms invited financial writers. Personal finance books have been published, such as Managing Money Early, Being a Rich Woman Easily, Managing Money While You Are Young-I hope you can live the life you want, as well as a workplace inspirational book, Work hard for you to choose. Wechat official account: Mucheng-Life