"You can only lend money on the same day with your ID card"? Ignoring black and white households, no loan terms? "Special channel fast low-interest loans"? The loan black intermediary deceives the borrower under the guise of attracting attention, and it is easy to be deceived without paying attention to identification.
On September 7, Beijing Banking Insurance Regulatory Bureau issued an announcement to remind consumers to be vigilant and beware of the five "customized traps" of loan black intermediaries:
Trap 1: "packaged loans"
Black intermediary lied that packaging materials can solve the borrower's qualification difficulties such as "insufficient bank flow and substandard income".
However, if you apply for a loan with false information, it is actually very risky: first, information fraud is detected by financial institutions, and the result is naturally refusal to lend, which will be blacklisted by financial institutions; Second, the disclosure of personal information is "loaned", and relevant information may be used by black intermediaries to apply for loans.
Trap 2: "No approval required"
"1 minute, no need for approval" and "Lending on the same day only by ID card", black intermediaries generally target people with unstable income. "1 minute processing without approval" and "lending on the same day only with ID card" are gimmicks that can easily attract this group.
Borrowers who are confused by these false information often get "sky-high" contracts, which eventually lead to inability to repay.
Trap 3: "pre-loan charges"
The black intermediary promises low interest and fast loans, but the premise is that the borrower must pay a certain margin and deposit to prove his repayment ability. Once the borrower pays the money, the black intermediary disappears.
Formal financial institutions will not charge borrowers any fees before formally lending money. Black intermediaries generally have no actual business, and the picture shows the various fees paid by borrowers, so they will charge in various names during the loan process.
Trap 4: "claiming to be related"
Black intermediaries claim that they have acquaintances or relationships in financial institutions, which can help borrowers get loans easily with low interest, but they need to pay a certain service fee.
If the borrower believes it and pays the so-called service fee, the loan is hopeless but he is cheated of the service fee. Formal financial institutions have strict loan review procedures and are not controlled by insiders.
Trap 5: "Washing White Credit Information"
The black intermediary lied that it only takes a few thousand dollars to whitewash personal credit information, no matter how much it costs or how much it is black, to avoid loan rejection. Once you believe it, it is you who are cheated.
The credit report can only be modified and corrected by the commercial bank that submitted the report. In addition, no organization or individual has the right to modify it. Bad credit records will be automatically eliminated after paying off all overdue debts and penalty interest for 5 years.
When bad credit records are found, it is the right way to deal with them actively and maintain good credit records.
The Beijing Banking Insurance Regulatory Bureau suggested that we should correctly lend "three wants and three don't" and stay away from the five traps of loans. Including: spend money rationally and don't let personal loans become "burning money loans"; Borrowing money should be formal, and don't treat "fake Gui Li" as "real Li Kui JY"; Relief should be rational, and intermediary loans should not become "intermediary harm".
The Beijing Banking Insurance Regulatory Bureau also stressed that consumers should "look three ways" to distinguish formal financial institutions:
Look at the contact information and business premises. Formal financial institutions will have fixed business premises and contact information, not just a simple loan website, not a QQ number or a series of mobile phone numbers;
Second, look at the upfront cost and loan interest rate. Judging from the loan interest rate and upfront cost, the "no threshold, low interest" loan products do not conform to the market rules, and formal financial institutions will not charge any fees to borrowers before formal lending;
In addition, it depends on the acceptance area and business license.
"Formal financial institutions generally only handle local business, which is conducive to controlling credit risk, while informal institutions generally claim that they can handle national business, which is a means for them to cheat in different places. Formal financial institutions will be registered in the local industrial and commercial department, and borrowers can log on to the website of the local industrial and commercial department to see if they are registered. " Beijing Banking Insurance Regulatory Bureau said.