The handling fee paid before the loan is fake.
Formal lending institutions will not charge any fees before the loan is successful, especially when applying for a loan online, and the other party asks to pay the fees in advance, which is generally a scam.
Moreover, compared with other lending institutions, the bank's loan interest rate is the lowest. 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%".
Most importantly, mortgage loans need collateral, and unsecured loans also need stable jobs, mobile 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.
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.
Extended data
Matters needing attention in loan are as follows:
1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;
2. The loan purpose should be legal and compliant, and the transaction background should be true;
3. According to your repayment ability and future income expectations, choose the repayment method that suits you;
4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;
5. Read the terms of the contract carefully and understand your rights and obligations;
6. Repay on time to avoid bad credit records;
7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;
8. prepayment must be handled by communicating with the bank one month in advance.
9. When a foreigner applies for a commercial loan, the bank generally requires the borrower to have a stable income in the local area, and to open a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.
Baidu encyclopedia-loan
People's Network-Telecom fraud is a new type of "low-interest loan" scam.
Why do you need to pay the handling fee first for the loan?
It is basically a lie to repay the loan first. Please distinguish carefully and protect your rights and interests. There is no charge before the loan, and even some lending institutions only charge a handling fee after the loan is successful.
Conditions for applying for small loans:
Chinese mainland residents aged 18;
Having a stable address and place of work or business;
Have a stable source of income;
No bad credit record, loans can not be used for stock trading, gambling and other acts.
Other conditions required by the bank.
Microfinance processing flow:
Submit an application to a local bank or lending institution;
All kinds of materials needed to prepare loans;
Face-to-face signing of banks or lending institutions;
Banks examine the qualifications of lenders;
The loan has been approved and succeeded.
Is there an upfront fee for the loan? Is it true that there is an upfront fee for handling loans?
; ? Loans that charge fees are all deceptive? When applying for a loan, in addition to submitting personal data, the applicant must also pay the relevant handling fees incurred by the loan. However, some lending institutions require applicants to pay various fees in advance, which inevitably makes many applicants doubt the authenticity of the fees. So do you really have to pay the upfront fee for the loan? Let's analyze it for everyone.
First of all, handling loans does incur expenses, mainly loan interest expenses and handling fees. Among them, the loan interest expense depends on the loan interest rate of the lending institution. The higher the loan interest rate, the more expenses, but the loan interest expense is paid during the repayment period. In terms of handling fees, the handling fees payable for different loan properties are also different, such as mortgage evaluation fee, guarantee fee and mortgage registration fee. These fees need to be paid after the next successful payment, that is, after the loan contract comes into effect, and there is no case of early payment.
Most of the related fees collected in advance are fraudulent. For formal lending institutions, the fees are charged after the next payment, and most of them are deducted from the loan. There will be no behavior of asking the applicant for fees, and there will be no behavior of promising successful loan payment.
I would like to remind you not to be too eager to get a quick loan. Many swindlers have formally mastered the psychology of lenders, requiring lenders to pay the formalities fees in advance before the fraud is successful. In order to avoid being fooled, everyone must go to a formal lending institution to apply for a loan. If you encounter a loan that needs to be paid in advance, you must be careful to avoid being fooled.
Do you need to pay the service fee in advance for mobile phone loans?
Hello, regular loan platforms generally don't charge pre-loan fees for any reason, so be careful when you encounter them. If you need money urgently, you can consider using loans to relieve the pressure, and at the same time try your best to make money. There are many ways to apply for a loan now. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.
I recommend you to use the money flower, which is a credit service brand under Du Xiaoman Finance (formerly Baidu money flower, renamed as "money flower" in June 2065438+08). Big brands are reliable and trustworthy with low interest rates. Rich people launch consumer credit products for individuals. The maximum loan amount is 200,000 yuan (click the official calculation), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Youhuahua, please borrow it reasonably according to your needs. Specific product-related information is subject to the actual page of Youhuahua official APP. I hope this answer is helpful to you. Click on the bottom of the phone to measure immediately! The maximum loanable amount is 200,000.