Now there are always loans for this and loans for that. Rental loans came out some time ago, but there are traps in renting, and many young people have fallen into this trap. When we rent a house, we must prevent it. How to prevent the rental loan trap? The best way is to kick it out from the source. Now that the state is also rectifying it, how to rectify rental housing loans?

How to prevent the rental loan trap?

1. Pay attention to the tricks in the contract: This situation mostly happens to "deposit one, pay one" or even "zero deposit" tenants. If you find something like this in the contract when signing: "Party B has signed a contract with the house recommended by Party A, and has been credited by a third-party financial institution, and Party B can use the installment service after confirmation," etc., be particularly wary. For words such as "annual rent payment", "installment loan repayment" and "financial institution", you should try to only sign relevant documents with the lessor and not sign any relevant agreements with any third party, especially financial institutions.

Especially for fresh graduates, if they don’t understand the contract or are unsure about it, they would rather not sign it. When encountering pie-in-the-sky things, ask a few more questions why. The benefits and risks go hand in hand.

2. Be careful to provide "photos of holding ID cards": When applying for a loan on a loan platform, you must provide "photos of holding ID cards", so when you are asked for such a thing, 99% of the time it is To be used to apply for loans. So if you don’t want to pay the rent through a loan, ask clearly why you want the photo, or refuse to provide it directly.

3. Personal credit inquiry: Log on to the website of the Credit Information Center of the People's Bank of China to inquire about personal credit records. You can also inquire about personal credit reports through the counter and professional version of the People's Bank of China (no fees are charged for the time being). Go to personal loan information to verify whether you have been "loaned".

(Hualong.com Comprehensive)