Loans have always been an important way to solve the problem of users' funds. There are many loan institutions in the market, which can meet the needs of most users. There are more and more loan swindlers. They will cheat users of money in various names, such as paying the work fee first and then making the next payment. So what are the specific scams? Today, let's make a brief introduction.
1. What is the situation of paying the cost of production before the loan?
Not necessarily. Sometimes banks and financial institutions charge a little fee, mainly for business handling, and the cost is very small. If you are asked to pay a few hundred yuan or several thousand yuan for the works, it is basically a liar to say that it will be refunded after the next payment.
For example, before you withdraw money/pay, you need to pay the work fee of 4 points. This fee is legal and effective for handling entity contracts and notarization of loans in notary offices. As long as you repay three installments, you will get a refund automatically, and you will receive the loan immediately after paying the fee.
This is an obvious liar, changing the cost of work into other names: pledge, repayment ability verification, insurance premium, etc. Everyone should learn to identify.
Second, be careful of these expenses.
1, packing fee
Many people are not qualified to apply for bank loans, and the intermediary or some people will find you, claiming that they can give you packaging identity, and you 100% can pass. I suggest you never do this, because you may be found by the bank or cheated of a sum of money.
2. Thawing fee
There are many such swindlers at present. When you withdraw the cash, they will show that the bank card information is wrong, inconsistent and abnormal, and you need to unfreeze it before you can continue the operation. Then you will be prompted to contact customer service, and the customer service will ask you to pay the deposit and unfreezing fee, and then withdraw it to your card together with the loan.
I borrowed 20,000 yuan from consumer finance immediately today, but the funds did not arrive, the card number was entered incorrectly, and the funds were frozen. Do I need to repay this loan &; ?
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.
Is finance reliable right away? Why do I have to pay 800 yuan before I can borrow money?
If you give him money first, you are a liar. Don't be cheated.
I have seen many other platforms similar to this platform are deceptive. Don't believe too much in the deception of loan companies or individuals published by online platforms or telephones. They will ask you for money in various ways, including entering the wrong card number (in fact, it is secretly changed). CCTV has exposed many similar cases.
Is the cost of paying a successful loan normal? It depends!
Many people will choose to apply for online loans when they encounter short-term cash flow problems. Whether it is a bank loan or a private loan, as long as it meets the state regulations, it can engage in lending business. Some users said that it was normal for them to be asked to pay for their work to withdraw funds after the loan was successful.
1. Is it normal to pay the cost of a successful loan?
Generally, pure credit loans do not need to charge any fees. Informal institutions will ask you to pay deposit, membership fee, management fee and capital verification fee in various names. Be careful when you meet them.
Not all loan fees are illegal. Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises stipulates that the state encourages all kinds of social intermediary agencies to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises.
Whether the production cost is illegal depends on whether it is charged in violation of the contract, whether there is a specific basis, and whether it is included in the loan interest. Once the total cost of borrowing exceeds the legal provisions, it belongs to usury and is not protected by law.
2. Does the production cost count as interest?
There is no need to pay the handling fee before the next payment of the credit loan, and even if it is required to be paid, it should be included in the borrowing cost. The Supreme People's Court's "Provisions on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases" stipulates in Article 26:
1. If the annual interest rate of the loan fee does not exceed 24%, the borrower shall repay the arrears as stipulated in the contract.
2. If the interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, the interest agreement in excess is invalid, and the borrower may be required to return the interest paid.
3. The annual interest rate is between 24% and 36%, which is a natural debt. The borrower can pay it back, but he can't get it back.
In short, whether it is production cost, management fee, handling fee, etc. , must comply with the provisions of the state to receive.