Do I have to pay a deposit for the loan?
The car loan deposit means that the lender handles the car loan through the guarantee company. In addition to the handling fee and entrusted service fee, it also needs to pay a certain percentage of the loan amount as a risk deposit. This fee is designed to prevent consumers from defaulting and can be fully refunded after the loan is paid off.
However, small advertisements in the market all say that the deposit can be unconditionally loaned. Under the banner of financial institutions, they charge borrowers fees in various names on the grounds that customers with credit problems apply for loans, but the money actually paid cannot be used for loans and the deposit paid will not be returned. Obviously, this is a scam.
What if the loan deposit is cheated?
Once the borrower finds out that he has been cheated, regardless of the amount, please report it to the public security organ as soon as possible, but it may not be able to recover the cheated money smoothly, at least it can provide the public security organ with telecommunication fraud clues to prevent more people from being cheated.
Of course, for borrowers, the most important thing is prevention. I would like to remind you that both personal loans and credit cards should be handled through formal channels. Don't be fooled by the so-called unconditional low interest conditions. Credit business in formal channels will not charge pre-lending fees on the grounds of paying deposits and other fees.
The above is the relevant introduction of "What to do if the loan deposit is cheated", and I hope it will help everyone.