After the popularity of online lending, it was used by many lawless elements to form an online lending fraud platform by pretending to be a regular online lending institution, specifically to induce and deceive some people who don't know the truth and are new to online lending, such as registering as members. If you happen to meet, you must be vigilant and beware of fraud. Is it reliable to open a member to borrow money from online loans? The answer is no.
Is it reliable to open a member to borrow money from online loans?
Not reliable. Generally speaking, the formal online lending platform will not charge pre-loan fees for any reason, that is, you don't need to pay any fees before applying for a loan-get a quota-and the approval is over. At most, bank card withdrawal needs to pay the corresponding handling fee, which will generally not exceed that of 30 yuan, and only a few online lending platforms have this fee.
If you need money urgently and need a loan to solve the problem, you can consider looking for a formal bank loan, a formal personal credit institution or a formal licensed consumer finance company. Now all kinds of loan products can be operated online with pure mobile phones, and banks also have corresponding apps, which can be downloaded through formal channels such as official website or application stores. There is no need to click on some online loan links with unknown sources. You should know that online loan fraud is to use the psychology of customers in a hurry to use money. As long as the application is simple, the amount is high and the payment is fast, the other party will say anything.
Recommend some formal platforms for reference, such as Du Xiaoman app with money, WeChat micro-loan, Alipay portal loan, JD Finance APP JD.COM Gold Bar, ICBC E-loan and so on.
The above is about whether it is reliable to borrow money from online loans to open members. All requests for payment and transfer before borrowing are fraudulent acts, so pay attention to the safety of your own funds.
Is there a service charge for online loans a regular loan?
The service fee of the loan platform is actually that when customers apply for online loans, the platform will charge customers a certain fee for providing loan services.
At present, there is no clear limit on the service fee of this loan platform. It is also a market behavior for online loans to collect platform service fees. As long as the platform charges are reasonable and the comprehensive real annual interest rate of the loan does not exceed 36%, there is no problem.
Of course, everyone should be vigilant. Some online lending platforms say that they charge service fees, but in fact they charge "beheading interest", that is, they directly deduct some money from the principal when lending money. For example, if someone applies for a loan of 3,000 yuan, only 2,500 yuan will be paid back, and the less 500 yuan will be beheaded.
The design of beheading interest is a regular loan that is explicitly prohibited, and the loan interest shall not be deducted from the principal in advance. If it is deducted from the principal in advance, the platform should return it according to the actual loan amount, and then recalculate the interest.
Besides, everyone should be careful. Some platforms may charge some extra high margin, late fees, etc. If the loan is charged at a high price, the customer can collect evidence and report it to the platform.
Extended data:
What are the types of conventional loans?
To put it bluntly, routine loans are those behaviors that defraud money through various routines and means under the banner of private lending. The common routines of conventional loans mainly include:
1. Manufacturing "Yin-Yang Contract":
When signing a loan agreement with the borrower, in the name of industry rules such as liquidated damages and deposit, the borrower is tricked into signing a false contract. Transfer the inflated loan amount to the borrower's account, and then let the borrower withdraw cash at the counter, thus creating the illusion that the bank flow is consistent with the loan contract, but in fact the borrower can only get part of the loan amount.
2. Deliberately stalling:
When the borrower repays the loan, the routine loan will deliberately create obstacles, such as system failure, so that the borrower can not repay the loan on time, and then demand high penalty interest and liquidated damages in the name of the borrower's overdue.
3. "Balance account":
After the routine loan forces the borrower to breach the contract, it is actually to further increase the borrower's loan amount by pretending to help introduce or play other companies to sign contracts with the borrower for settlement; Then "repeat the same trick" and let the borrower default on the second loan for various reasons, thus making the debt pile up higher and higher.
4. Violent collection:
When the borrower is overdue, he will urge the borrower to repay the loan through various intimidation and violence, and may constantly harass and threaten the borrower. False litigation, for example, will seize the property of the borrower or his relatives in the name of suing the court or contacting the public security for arrest.
Is it a liar to collect membership fees on online loans?
Judging from the current situation, it is fraud.
The other party is not a loan company, there is no loan at all, and he is a liar who cheats money.
Formal loan companies never need to apply for membership. There is no need to submit and pay the membership fee.
This kind of fraud, after applying for membership, they will find another reason to continue asking for payment.
Related article: it is fraud to ask for membership fees for loans.
Nowadays, many loan frauds have to pay membership fees. Please check it carefully if you encounter it.
1. If the membership fee is required to be transferred to a private account, then 100% is fraud. Because financial institutions will never allow private accounts to collect money.
Private accounts are accounts with card numbers. You need to enter the payee's name and card number when transferring money. The company account number is the company name plus the card number.
2. Check the authenticity of your loan application. Go to the mobile app store to search and make sure that the app that the app store can't find will have a big problem.