With the loan becoming more and more common in people's lives, the ways of borrowing are becoming more and more diverse, and the means of swindlers cheating money are also very novel, and some of them really test IQ, which makes people hard to prevent. Liars take advantage of people's lack of financial knowledge, the urgent need for working capital and the poor prevention of banks and regulatory authorities, and unscrupulously implement fraud activities in the name of lending. Borrowers will fall into this kind of "routine loan" as long as they are not careful. So what is "routing loan"? What are the routines of "routine loan"? What should we do when we encounter a routine loan? Let me give you a suggestion.

What is "routine loan"?

The so-called routine itself is an illegal means to escape the legality review. Conventional lending creates a closed chain of evidence, falsely increases the amount of debt, evades the judicial review of false litigation and illegal high interest rates, and seeks unreasonably high benefits by altering blank IOUs, creating running accounts, transferring loans to even accounts, paying cash in the name of fictitious creditors, charging interest in the name of others, maliciously creating default facts, charging high fees and collecting interest deposits in advance.

What are the routines of "routine loan"?

1, creating the illusion of private lending

Solicit business in the name of "small loan company", use people's eagerness to borrow money to sign loan contracts with you, create the illusion of private lending, and defraud people to sign "inflated loan contracts", "yin-yang contracts" and real estate mortgage contracts that are obviously unfavorable to borrowers in various names such as "liquidated damages" and "margin".

2. Leave traces of bank running water

Deliberately create the illusion that the borrower has obtained all the money borrowed from the contract.

3. Unilateral determination of breach of contract

Unilateral arbitrary determination of breach of contract, and demand immediate repayment of "false high loans."

4. Maliciously increase the loan amount.

When you are unable to pay, the other party introduces other fake "small loan companies" or individuals, or "plays" other companies to sign new "fake loan contracts" with you to "balance the accounts" and further increase the loan amount.

5, extortion "debt"

Lie that you will sue you in court or report your loan fraud to the public security bureau in order to achieve the purpose of sending money.

How to prevent "routine loan"?

1. Download the lending APP through the formal application market.

First of all, the download route is non-toxic and there is no messy software such as plug-in binding. Whether it is an Android phone or an Apple IOS system, downloading unofficial software is dangerous. Don't see so-and-so loans and so-and-so money downloaded at will. Be careful when introducing friends.

2. Choose qualified formal financial institutions.

Choose formal financial institutions with loan qualifications, and don't believe in false advertisements such as "no interest, no guarantee, no mortgage" issued by unqualified informal companies. Don't trust unsecured loans that call you on your own initiative.

3. Pay attention to the calculation of total interest when lending.

In order to hide people's eyes and ears, some small loan companies allocate the fees to the handling fees and management fees, and the total interest is amazing. Therefore, the lender must calculate the total interest before applying for a loan. If the total interest exceeds 36%, this is a non-compliant loan unit.

How to avoid the loan being pitted? How do you know if your loan cost is high? Spending money on price comparison artifacts can help you. Use the price comparison artifact before lending to let you know which loan product is more economical!

Finally, I would like to remind you that if you are unfortunately caught in the "routine loan" scam, you should pay attention to taking up legal weapons in time to safeguard your legitimate rights and interests, and don't swallow your words out of good face or under the intimidation of criminals, or even embark on the "no return" under great psychological pressure. The most important thing is to call the police, call the police, call the police! ! ! If you encounter violent collection behaviors such as phone intimidation or knocking at the door at night, you should call the police as soon as possible. It is necessary to pay attention to retaining key evidence such as chat records and transfer records of both parties, and actively appear in court to respond to the lawsuit, so as to avoid the judge's inability to accurately define the real loan amount and thus affect the effective protection of his legitimate rights and interests.

Comprehensive arrangement from Dafeng, Xicai.com, Stock City.com and Online Lending Eye.