This is also the case. For example, if you go directly to the first bank, you can still get a loan, but the interest can't meet the requirements you want. You want three years, he can only pay one year. You need interest first, and he can only give you the same amount of principal and interest. These situations will cause you some time loss and economic loss.
Professional lending institutions can help you avoid these situations perfectly. The emergence of lending institutions will help you match more channels and tailor products for you. General formal lending institutions and cooperative lenders need their own strict examination. Generally, besides banks, institutions with formal lending licenses, such as local commercial banks and small loan companies, can screen for you in advance and lend freely.
After all, there are still many types of conventional loans in the past two years. We will also analyze the advantages and disadvantages of various repayment methods and plan the later repayment plan and financing route for you. For the loan that is about to expire, we will remind you regularly and communicate with you in advance. When your qualifications and interests do not match, remind you to settle some uneconomical loans as soon as possible.
Related questions and answers: What are the routines of loan companies? The routines of loan-assisting companies are listed as follows:
1, attracting customers with "zero interest"
"Zero interest", "low interest loan", "same day application, same day loan" and "free handling" are the methods used by many intermediary companies, but few of them can really do it. Wool comes from sheep, with no interest or low interest. Generally speaking, service fees, management fees and consulting fees will be collected from other channels.
2. Member services
Membership service is a typical way of making profits. Customers who need financing need to buy a member to enjoy the service. It may sound high. Pack some services for customers to buy and let them enjoy VIP services, such as half a year's service and one year's service. But generally speaking, the membership fee is only the first step, and there will be more or less different fees after that, so please be careful when buying.
3. Deal with the "price increase" in the middle.
In fact, this method is quite common in the loan circle. At first, the agreed fee suddenly "increased" in the process of handling, which made the customer in a dilemma. The information has been submitted for approval. Not applying is a waste of time and energy. Even if we find someone else to deal with it, I don't know if the same problem will occur. Agree to increase the cost. Feel unwilling, always feel trapped.
4. Professional words mislead customers.
Not all loan customers can understand the loan terms, especially when they encounter technical terms or calculation formulas, and they don't know how much to pay back. This often happens to some women or older friends. Because they don't understand and have no ability to tell each other's right and wrong, when they talk to each other in Kan Kan, they usually pay the bill silently.
5. Blacklist can also be used for loans.
Illegal loan companies promise that the blacklist can be operated, but they need to package information for customers, and the cost ranges from hundreds to thousands, or recommend high-interest loans for customers.
Step 6 arrange loans
Formal loans need to be based on the customer's income, work, credit information, residence, liabilities and so on. Not all loans of 65,438+000% can be processed. Many customers think that loans are arranged for urgent loans, and often the money is spent and the loans are not paid.
7. Can handle credit.
A credit report is a collection of personal financial information required by the People's Bank of China to be submitted by banks and other institutions. It is stipulated by laws and regulations. Once submitted, it cannot be changed or deleted, unless the evidence provided is wrong, you can apply for revision. The record period of credit investigation is 5 years. If you can change it casually, then the credit report itself has no credit.
8. Inequality clause
For example, you borrowed 50,000 yuan, but let you use a car worth 65,438+10,000 yuan. If you don't pay it back after the deadline, the car will be owned by the other party.
9. Interest should be deducted first.
When signing a loan contract with the borrower, the interest shall be calculated first and deducted from the loan principal. In other words, the amount actually received by the borrower is less than the loan amount agreed in the loan contract, and the small part is interest.
Related questions and answers: What are the characteristics of routine loans? Conventional loan
Routine loan refers to the illegal act of inducing or forcing the victim to sign "loan" or "loan", "mortgage" and "guarantee" and other related agreements for the purpose of illegal possession by falsely increasing the loan amount, maliciously creating a breach of contract, arbitrarily identifying the breach of contract, and destroying the repayment evidence, thus forming false creditor's rights and debts. And illegally occupy the victim's property by means of litigation, arbitration, notarization or violence or threats. [ 1]
For the crime of "routine loan", if there is indeed evidence that three or more people form a relatively strict and fixed criminal organization and commit the crime of "routine loan" in a premeditated and planned way, it should be recognized as a criminal group [2].
The essence of "routine loan" is a kind of fraud under the guise of private lending. "Routine loan" has already possessed the rudiment of knowledge-based crime, and even some legal practitioners have become the "consultants" of the perpetrators, giving them professional "legal guidance", improving the success rate of "false litigation" and obtaining high criminal profits. [
Characteristics, characteristics, nature, attributes, social impact, crackdown and management measures of triad-related cases
Conceptual explanation
In the name of private lending, "routine loan" achieves the purpose of illegally occupying other people's property by means of "inflating debts", "letting money flow away", "arbitrarily determining breach of contract", "transfer settlement" and "false litigation". Due to the concealment of "routine loan", the victims are easily fooled by using public power to "sweep the tail". The police reminded the public to borrow money through proper channels as much as possible, especially to be wary of "blank contracts". [3][2] feast of literature and history: the terrible "routine loan"-on "virtual currency and real contract" in "True Kansai"
Wenshiyan
For example, 228 reads 28 thousand
typical characteristic
The basic characteristics of the crime of "routine loan";
The first is to create the illusion of private lending. The defendant solicited business in the name of "small loan company", signed a loan contract with the victim, created the illusion of private lending, and defrauded the victim to sign "inflated loan contract", "yin-yang contract" and real estate mortgage contract in various names such as "liquidated damages" and "deposit", which was obviously unfavorable to the victim.
The second is to create traces of running water in the bank and deliberately create the illusion that the victim has obtained all the money borrowed from the contract.
The third is to unilaterally and arbitrarily determine that the victim has breached the contract and ask the victim to repay the "inflated loan" immediately.
The fourth is to maliciously raise the loan amount. When the victim is unable to pay, the defendant introduces other fake "small loan companies" or individuals, or "plays" other companies to sign new "false loan contracts" with the victim, so as to "balance the accounts" and further increase the loan amount.
Fifthly, to "collect debts" with both hard and soft methods, or to file a lawsuit against false litigation, so as to seize the property of the victim or his close relatives through a successful judgment. [6] [5]
Property attribute
"Routine loan" is essentially an illegal and criminal act, and the principal and interest of the loan are not protected by law. Usury embodies the autonomy of both borrowers and borrowers, and the loan itself and the interest within a certain range are protected by law. According to "Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases", the interest rate agreed by both borrowers and lenders exceeds the annual interest rate of 36%, and the agreement on the excess interest is invalid, that is, the principal and statutory interest of usury are protected by law, while the excess interest is not protected by law. [2]
social influence
The development and spread of the crime of "routine loan" not only directly infringes on the legitimate property rights and interests of the victims, but also easily induces other crimes through violence, threats, false litigation and other means. , and even caused serious consequences such as the victims selling cars and houses to pay off debts, which brought a series of social problems [6].
Inducing people who don't know the truth to participate in lending behavior has caused personal and family property losses, affected personal study and life, and seriously infringed on the legitimate rights and interests of the people. [7]
Crack down on governance
201September 3, 9, since the nationwide special campaign to eliminate evils was launched, public security organs across the country have severely cracked down on illegal and criminal activities of "routine loan", * * * investigated and dealt with "routine loan" gang cases 1890, and arrested criminal suspects 1865 1 person. [8]
In August 2020, the Mobile Investigation Corps of Beijing Public Security Bureau found that there were "hand-copied loans" criminal gangs suspected of fraudulent activities in the name of "packaging" personal loans in several office buildings in Chaoyang District. On August 4th, Beijing police cracked three "hand-copied loan" fraud gangs and detained the suspects 129. [9]
In September 2020, scams in the name of canceling campus loans (canceling routine loans) frequently occurred in various places, and scammers targeted the graduates who first entered the workplace. As of September 2020, Langfang City, Hebei Province accepted 6 1 cases of revoking campus loan fraud in 2020, involving more than 2 million yuan, while in August, 26 cases were filed in a single month, involving more than 1 million yuan. [ 10]
Black box
Beijing
20 19 19 On February 30th, Beijing No.3 Intermediate People's Court (hereinafter referred to as "Beijing No.3 Intermediate People's Court") publicly pronounced a series of criminal cases involving the underworld nature of "routine loan" in Beijing, sentenced the defendant Lin Guobin to life imprisonment, deprived of his political rights for life, confiscated all his personal property, and sentenced him to the rest of his term or confiscated all his personal property. [ 1 1]
Xiong'an New Area
In June 5438 +2020 10, the Intermediate People's Court of xiong'an new area, Hebei publicly pronounced the first criminal case of "routine loan" in xiong'an new area. The two defendants, Xu Moumou and Li Moumou, were sentenced to 20 years in prison, fined RMB 6,543.8+0,000, and ordered to make restitution to the victims. [ 12]
Hainan province
On March 3, 2065438, the Haikou Intermediate People's Court held a court session in Haikou Institute of Economics, and punished Zhao et al. 18 defendants for organizing, leading and participating in underworld organizations, robbery, intentional injury, illegal business operation, and stirring up trouble. [ 13]
Hunan province
Changsha city
On April 20 19, it was learned at the press conference held by the Public Security Bureau of Changsha City, Hunan Province that Changsha City Public Security Bureau had recently successfully cracked a series of cases involving "1 1.07", destroyed "routine loan" gangs involved in black and evil, 12 and arrested crimes.
On March 28th, 20 19, at 5: 00 am, the project headquarters dispatched more than 700 police officers from the whole city through the remote visualization system, and simultaneously launched centralized network collection operations in Changsha, Kunming, Guangzhou, Guangdong, China-Myanmar border and other places, and arrested 34 suspects 134, rescued 79 female victims, and seized vehicles 19 on the spot. [ 14]
20 19 19 the first case of "routine loan" in Hunan was pronounced in Changsha county people's court. The Changsha County People's Court sentenced the defendants Wang Youqiang and Zou Bin to 23 years' imprisonment, deprived of political rights for three years, and confiscated all their personal property for the crimes of organizing and leading underworld organizations, robbery, extortion, forced trading, illegal invasion of houses, illegal detention, stirring up trouble and infringing on citizens' personal information. Defendants Cyrus and others 18 were sentenced to three months' imprisonment ranging from 2 1 year to 1 year respectively. [ 15]
Shanghai
2008120 165438 Shanghai No.2 Intermediate People's Court held a court session, and made judgments on a series of fraud cases involving Huang et al.1person and Zhang et al. 14 person, and sentenced Huang, Xie and Zhang to life imprisonment and deprived of politics respectively. [ 16]
Guangdong Province
Shenzhen
On February 22nd, 20 19, the first criminal case of "routine loan" in Shenzhen was publicly pronounced in Luohu District Court. The defendant was sentenced to a high-term imprisonment of 10 years for the crime of fraud and fined RMB10,000 yuan. The other six defendants were sentenced to fixed-term imprisonment ranging from three years, six months to seven years for fraud, and all were fined. [ 17]
20 1 9165438+1October1,Shenzhen Public Technical Investigation Detachment took over the project "1 105". 165438+1October 8, the detachment organized the deployment of the net. On the evening of 20 1 10/0, 2009, according to the unified deployment of the Shenzhen Public Security Anti-vice and Illegal Publications Corps, the detachment cooperated with the Anti-vice and Illegal Publications Corps to carry out a nationwide unified network-closing operation, and was specifically responsible for arresting 40 major suspects in the "1105" project. Informed sources disclosed exclusively to First Consumer Finance that the useful staging case founded by Liu Yannan was named "1 105" by relevant parties. The number of people arrested in this case reached a record of 1600. [ 18]
Guangzhou City
2019 10129 October, the office of the leading group for the special struggle against pornography and illegal publications in Guangzhou (hereinafter referred to as "Guangzhou Anti-vice Office")129 October informed that from 165438 onwards, the Guangzhou police had seized it in the special struggle against pornography and illegal publications. According to the introduction of Guangzhou Anti-vice and Anti-illegal Office, compared with traditional crimes involving black and evil, the property involved in new crimes involving black and evil is often huge. Among them, a large "routine loan" fraud gang that was recently destroyed in a district of Guangzhou involved hundreds of millions of yuan, and the family and personal property involved suffered huge losses. [ 19]
On May 3, 20 19, Guangzhou Liwan Court made a first-instance judgment on this case: Luo Jiasheng, the ringleader, was sentenced to 20 years' imprisonment, deprived of political rights for 3 years, confiscated 2 million yuan of property and fined 80,000 yuan. [20]
Dongguan City
On the morning of March 28th, 20 19, the Second People's Court of Dongguan publicly pronounced the case of Zhong Haobo and others 18 guilty of organizing, leading, participating in underworld organizations and extortion. He was sentenced to 20 years in prison, deprived of political rights for four years, and confiscated all his personal property for the crimes of organizing and leading underworld organizations, opening casinos, extortion, illegal detention, and stirring up trouble. Other defendants were sentenced to fixed-term imprisonment ranging from 14 years to 1 year and 3 months respectively. [2 1]
Hubei province
Wuhan (city)
On June 19 and 18, the Hannan District People's Court of Wuhan publicly pronounced a case of "routine loan" mainly aimed at college students. From September 20 17 to March 20 18, the defendant Xu Mouxiang and others issued more than 300 loans, and the victims involved more than a dozen college students. The underworld organization extorted 16 16 people, illegally detained 1 case 1 person, and gathered people to fight, causing minor injuries to two people and damage to vehicles, seriously undermining the local economic and social life order and having extremely bad social impact. After trial, the Hannan court held that the criminal organization headed by the defendant Xu Mouxiang and the co-defendant Li was an underworld organization. According to the law, the defendant Xu Mouxiang was sentenced to 15 years in prison, deprived of political rights for three years, and confiscated all personal property. [22]
Xiangyang city
2019165438+29129, Zaoyang People's Court publicly pronounced Idy and others 13 defendants guilty of organizing and leading underworld organizations, fraud, illegal business operation, casino opening, extortion, provocation and trespassing. The other 12 defendants were sentenced to penalties ranging from 16 years to one year and six months respectively, with confiscation of property and fines. In addition, he was ordered to compensate the victim 1.8 million yuan and occupy two houses. This case is the first case involving "routine loan" in Xiangyang City since the launch of the special struggle against evil. [23]
Zhejiang Province
Wenling city
From 2065438 to June 2008, Wenling Public Security Bureau launched a centralized network-closing operation against this criminal gang, and * * * arrested 263 suspects suspected of fraud, extortion and trouble-making, completely destroying this mega-network "routine loan" criminal gang headed by Wu Yongjie.
2065438+On February 26th, 2009, a typical case of "routine loan" was reported at the press conference of the Ministry of Public Security. Wenling public security organs busted a super-large "routine loan" gang that implemented online micro-loans under the guise of information service companies, and * * * arrested 263 suspects, involving more than 4 million yuan. Some victims were forced to commit suicide because they could not bear the collection of soft violence.
Hangzhou (city)
On May 3, 20 19, 19 carried out organized illegal and criminal activities such as "routine loan", with 47 victims, including 39 college students, which directly led to 1 college students committing suicide. Hu Mou and others 12 people prosecuted by Xiaoshan District Procuratorate of Hangzhou City, Zhejiang Province are suspected of organizing, leading and participating in underworld organizations, extortion, fraud and illegal detention. Hu, the leader of the organization, was sentenced to 25 years in prison, deprived of political rights for five years, and all personal property was confiscated, with a fine of 1.2 million yuan. Other leading members were sentenced to 18 to 22 years' imprisonment respectively.