With the development of Internet, China's economy needs more and more money, but most people have no money, so they want to borrow money to fulfill their dreams or satisfy their desires.
In the face of huge market demand, various traditional lending institutions and online lending institutions in China are constantly emerging. Most of these institutions have a piece of this market. After all, it is difficult for most people to get loans from banks, and they have to borrow through various gray areas.
In recent years, various economic disputes and vicious incidents about loans have occurred from time to time, which makes people realize that many loans are just tricks, and gives those who play tricks on loans a special title, that is, "routine loans"
Let's sum up today's loan routine.
1, to help you submit loan materials regularly.
Under normal circumstances, it is difficult for most lenders to obtain loans from lending institutions, so online fraudsters will cheat through this guise. For example, letting you submit materials according to the material template designed by them can help you borrow money and defraud you.
2. Help you obtain daily credit information.
Many lenders, probably because of their bad records, want someone to help them clean up their credit information, so fraudsters use this method to defraud your money.
3. claim that you have a special channel to help you get a loan.
Many online loan fraudsters will set themselves up as specific institutions and have special channels to help you apply for loans. However, they need you to give them benefits. Internet fraudsters will not say which special channel it is, but will definitely say that it is a very mysterious lending institution that helps you get a loan.
4. Free handling and interest-free loans.
Under normal circumstances, for many people, the most attractive thing is that loans are interest-free, which takes advantage of people's psychology of taking advantage of small things. And fraudsters often use the so-called national policy, saying that you meet the policy standards and can get loans by paying various management fees and service fees.
5. Pay back the loan first.
That is to say, you can apply for a loan unconditionally, but you will charge a specific handling fee or management fee according to the amount of your loan.
6. When you are asked to pay the next payment.
Especially for all kinds of online lending institutions, when you submit the information, you say that your information has problems and needs to be revised, so you can pay. After you submit the information, the staff of the lending institution will tell you that the loan has been issued, but because your card number is wrong, it needs to be revised and you need to pay.
The staff of the lending institution told you that the loan was granted to you. If you want to borrow money from the card, you must become a loan member, and you must pay a fee to become a member.
Most of the routines of many lending institutions take advantage of the poor conditions of lenders and poor credit reporting, so it is difficult to obtain loans from formal financial institutions. Routine loans often take advantage of human weaknesses, such as taking advantage of small things, free psychology, anxiety, and urgent lack of money. There is also the use of the lender's ignorance of the law and unclear routines.