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The loan routine of charging the certificate but not the car
When the borrower finds them, he will first ask about their identity background and confirm that they are "target groups", and then let the borrower make a loan request. After both parties reach an intention, they will sign a contract. Since it is a "non-mortgage loan", there must be various rules and regulations, such as repayment on time and not driving out of a certain range. All this seems to be basically the same as the regular car loan process, but the routine of criminals has just begun. Generally speaking, there are three levels of deception. The first floor is charged; The second layer of high liquidated damages; The third floor has a high towing fee.

First, the first layer of high handling fees Before signing the contract, you will generally be required to pay the document retrieval fee, contract text fee, lawyer consultation fee, etc. , at least 1- 1.5 million. In other words, the money was wasted before you signed the contract.

Second, the second layer of high liquidated damages After signing the contract, they will go to "home visits" and lend money if there is no problem, but the final loan amount is far less than the contract amount, and the amount of the short loan is deducted by the lending institution in various names. At this time, if consumers do not agree to the loan, they will take the opportunity to charge another high penalty.

Third, after the loan of high towing fee on the third floor arrives, you will use it as an excuse to violate an agreement in the contract, and then directly tow your car and demand to pay part of the towing fee. This routine will be used several times in a row, and it is difficult for borrowers to prove their innocence. In this way, the borrower will not only suffer economic losses, but also face the risk of not getting a car. Because there are many time bombs buried in the contract, they will detonate irregularly. The most common thing is that "mortgage contract" has become a "pledge contract".

Mortgage means "replacing the car with a car", and the car is still owned and used by the borrower. Pledge means that the mortgagee keeps the car. Once the borrower defaults, they can legally dispose of the car. Often some lawless elements will deliberately create a breach of contract, for example, when you want to repay, you deliberately refuse to accept your repayment and let you pay a high penalty. When buying a car loan, you must read the loan and mortgage contract carefully to protect your legitimate rights and interests. Don't blindly choose formal and qualified financial institutions.