If the online loan is cheated, you must choose to call the police. No matter how much money it is or how it is cheated, it can be reported to the public security organs, which can establish public security cases or criminal cases for investigation. Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated.
I. Legal basis
Article 64 of the Criminal Law stipulates that all property illegally acquired by criminals shall be recovered or ordered to make restitution; The lawful property of the victim shall be returned in time; Contraband and personal articles used in crimes shall be confiscated. Confiscated property and fines shall be turned over to the state treasury and shall not be misappropriated or disposed of by themselves.
Article 266 of the Criminal Law of People's Republic of China (PRC), whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.
Second, the calculation method of interest rate
1. Interest rate method. We often say that interest rates are divided into annual interest rate and monthly interest rate. For example, at present, the benchmark interest rate for long-term loans over five years is 4.9%, so the monthly interest rate is 4.9%÷ 12 months =0.408%, which is 4‰, which is really 4%. The loan is 654.38 million yuan, with interest paid first and principal paid later, with a monthly payment of 408 yuan. The principal is not returned halfway, so the monthly interest expense remains unchanged.
2. Handling fee method. If it is equal principal and interest repayment, be sure to pay attention to the huge pit inside. Is to change the concept of handling fee method to interest rate method to cheat customers.
Three. Daily inventory of ordinary loans:
1. packaging material loan: an intermediary said that as long as you give money, you can package any material you want, and it is easy to get the loan. In fact, the result is to cheat money and information. Some of them may make money, but providing false information is a fraud, and once found, they may be sentenced.
2. Pay the money first: There are often intermediaries who claim to help large loans unconditionally, but they must pay the handling fee according to the loan amount, ranging from several hundred to several thousand. When you pay the money, you will fall into the trap of a liar. I will ask you for money in various names in the future. Enough cheating, and the game disappears.
3. Spend money on white credit reporting: There are often various small advertisements for white credit reporting in the circle of friends, as well as pictures as evidence. If you think it's true, you've been taken in. The credit report can only be revised after investigation and evidence collection.
4. Interest-free loans: Real interest-free loans are policy loans. For the government's support projects for laid-off workers, even many bank loans cannot be interest-free. The small agency said they could help you with an interest-free loan. There must be a scam. There may be high interest hidden behind it, such as various service fees and management fees.