Jia Wei Anjie will help you: sort out five "key words" in online loan scam. I hope all the guest officers who apply for loans will keep their eyes open and stop being cheated.
Keyword 1: No mortgage is needed.
"No guarantee, no mortgage", using these false advertisements to attract people who urgently need to raise money and loans, and lead people into scams. This kind of fraudulent loan has almost no loan conditions, no mortgage, no guarantee, and the interest is extremely "reasonable".
Keyword 2: Pay first and then lend.
Generally speaking, formal lending institutions will not charge any fees before signing the loan contract in person, so if you apply for a loan online, the other party asks you to pay the handling fee first, which is generally a scam.
Keywords: ultra-low interest rate loans
Compared with other lending institutions, this bank has the lowest loan interest rate. But even so, the bank's interest rate on small unsecured loans will be around 8%. Therefore, it must be a scam to apply for a small loan online. If there is a "small loan of 30,000 to 65,438+10,000 yuan, the interest rate is only 1%".
Keyword 4: As long as the ID card is used for mortgage 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 you apply for online micro-loans, the other party says that you can borrow with your ID card. Don't be fooled.
Keyword 5: No need to fax the contract in person.
Although online loans can submit application materials online, they usually choose to sign the contract in person in the end, so it is a scam for the other party to say that "there is no need to meet and fax the contract". Don't fall into the trap.