Routine 1: Black households can also borrow money.
I ran to several banks and didn't get any money. I registered several online lending platforms, but all the loans were rejected. At this time, if someone pats his chest and says that he can help eliminate bad credit information, even black households can get loans. Does it feel as warm as charcoal in the snow? It is precisely by grasping the psychology of these people that scammers cheat loans. It can be said with certainty that formal lending institutions will not lend money to black households. Generally, most people who are willing to lend are private loans in professional cloaks. Nine times out of ten, it is a usury trap. At that time, although the lender could successfully borrow money, the loan cost was huge, and even the final interest exceeded the loan principal, and their families were also facing the risk of debt collection.
Routine 2: You can get a loan only with your ID card.
I'm sure you are familiar with these words, such as "you can get a loan on the same day with your ID card" and "you can borrow up to 200,000 yuan without mortgage or guarantee". Such advertisements can be seen everywhere, whether on bike-sharing or telephone poles. This is definitely a great temptation for people with poor qualifications who are in urgent need of money, but is it really a trustworthy lifeline? In fact, these advertisements only shout empty slogans, and most of them are traps that have already been designed, just waiting for you to step on them. After you express your willingness to lend them a loan, you need to pay the introduction fee, handling fee and deposit first. After the payment, I told you that you could get the loan in a few working days, and then they disappeared and lied to you.
However, if you want to apply for a high-amount loan in a formal financial institution, it is not as simple as providing an ID card. Your real estate, car, salary, provident fund, only provide these certificates that can reflect your financial resources and credit, formal lending institutions can lend you money, and free lunch is only an illusion after all.
Routine 3: Help you wash your credit information.
Many people's loans were rejected because of overdue credit stains, so the scam industry of "credit brushing" was born. The relevant departments have come out to create rumors in this regard, and it is simply unrealistic to eliminate credit stains at will, so don't trust those who say that they have a wide range of channels and that someone inside the bank will help you eliminate bad credit in minutes.
As we all know, credit information has a great influence on applying for credit cards and loans. Most formal loan platforms have extremely high requirements for credit information, and users with poor credit information have basically been sentenced to refuse loans. However, scammers just take advantage of people's psychology of whitewashing their credit information. These scammers claim that someone in their bank can help whitewash their credit information, but they need some money to make it float up and down. At that time, you will not only be unable to borrow money, but also be cheated.
Routine 4: Pay a three-minute deposit first.
The application has been submitted for several days and there is no news at all. I'm anxious! After all, the purpose of applying for a loan is to solve the urgent need, which is good. After the loan, the day lily will get cold. ...
At this time, if someone told you that you could pay the 300 yuan deposit within three minutes, would you pay it or not?
If you pay the money, it is impossible to make the next payment within three minutes, but there is a great possibility of being blacked out by the other party. This IQ tax has been paid, and there is nothing wrong with it.
Routine 5: Borrow 1000 and return 700.
Many platforms claim 0 interest and 0 handling fee. To tell the truth, this serious nonsense is really admirable. If you don't charge a penny, you will lend me money. Are you stupid?
In fact, in this case, the platform charges in the form of beheading interest. The specific means of operation is to deduct loan interest, handling fee, management fee, deposit, etc. From the loan principal. For example, a loan of 65,438+0,000 yuan will be paid to 700 yuan in the next installment. Of course, after a week, it needs to be repaid.
Hehe, isn't 300 interest deducted? In fact, the only principal borrowed is 700 yuan. Simple calculation:
Daily interest rate = interest/principal/loan days =300/700/7
Annual interest rate * 360 =(300/700/7)* 360≈2200%
Nima, the annual interest rate is over 2200%, and your family's interest is so long. ...
Routine 6: Double refund for single refund
"Online shopping products have quality problems, not only asking for a refund but also asking for double indemnity!"
2065438+2008 very popular "return to loan". Basically, they pretend to be customer service to call users, add WeChat and Alipay, and then induce users to refund. In fact, they induce users to get unsecured loans from the loan platform, and then cover other loans by scanning the code.
The scam of Taobao refund has existed for a long time, but it has increased the channels for loans, so that victims can be cheated even if they have no money, and the degree of harm is higher than the new level. Therefore, when receiving such a strange phone call, you must not be confused by the stuffing cake falling from the sky, and it is best not to eat. Beware of being introduced into the online loan platform by the other party. The most important thing is that once a stranger asks for a transfer operation, nine times out of ten the liar will set you up.
Routine 7: "Yin-Yang Contract" sets a trap
Not long ago, CCTV exposed such a loan fraud case: Mr. Guan borrowed 60,000 yuan from a small loan company, but actually signed a loan contract of 1.7 million yuan. Because of the cash flow, 60,000 yuan became 460,000 yuan, and he threatened to take away his property!
In fact, we have always seen such a routine: signing a yin-yang contract with the borrower, forcing the lender to sign a higher loan contract when the borrower is unable to repay, and even letting the borrower use the house or car as collateral. Finally, borrowers often invest all their assets and are unable to repay their loans, and the real loans are destroyed.
Of course, loans are far more difficult than the above, but the common ones are basically here. Babies who are short of money should use their brains when they want to borrow money. It may be difficult to turn over, and it is not impossible to lose everything. So, comrades, be careful!