Apple ID loan - Loan Platform Complete Network

Apple ID loan

"As long as you have an Apple phone, you can easily borrow money without mortgage, loan or credit information." Campus loans, cash loans, etc. It is nothing new to temporarily mortgage with your own reputation and credit information, but "Apple ID" can also be used for loans, which sounds a bit strange.

"Apple ID Loan" under Sugar Coating

Some time ago, a strange thing happened to Weibo user "Maizijun I". On the screen of an Apple mobile phone that the customer sent for repair, a conspicuous big word popped up: "The bill is overdue, you can apply for full renewal in 660 yuan." Or don't handle the phone lock at your own risk? "

Because of this hot Weibo, a new loan form "Apple ID Loan" surfaced, and this unusable mobile phone is one of the "bitter fruits" brought by "ID Loan".

After confirming that the borrower is bound to the account, the lender will immediately modify the account password, making it impossible for the borrower to unbind the account, and turn off functions such as "looking for iPhone". During the loan period, the borrower can still use the mobile phone normally. Once loans overdue, its mobile phone will be locked by the lending institution and cannot be used.

The illegal phenomenon of "ID card loan" is widespread.

3354 "ID card loan" caused a lot of chaos. After the ID is bound, the lender can lock the user's mobile phone through Apple's remote locking device function, and even erase the mobile phone data. Many netizens said that after the ID card was bound as required, the lender did not lend money, but directly extorted the "unlocking fee" from it; Some netizens have been asked for extra foreign money many times after paying the principal interest as required, and it is still difficult to unlock the mobile phone.

Regulatory authorities should strengthen cooperation.

Victims need to keep evidence to protect themselves.

"For Apple mobile phone users, although' ID loan' seems to be zero mortgage, it actually puts their personal information and even all social relationships on it." Andy said.

Although many "ID loan" platforms skillfully apply the name of "mobile phone recycling" under the guise of "rental" and "repurchase", experts say that the authenticity of their lending is beyond doubt.

Chen, a senior partner of Shanghai Huarong Law Firm, said that many "ID card loans" are essentially usurious. According to "Several Opinions of the Supreme People's Court on Further Strengthening Financial Trials", the borrower of a financial loan contract requests to reduce the annual interest rate by more than 24% on the grounds that the expenses such as interest, compound interest, penalty interest and liquidated damages claimed by the lender at the same time are too high and obviously deviate from the actual losses, which should be supported. The cycle of most "ID loans" is 7 days, and its annual interest rate actually far exceeds the reasonable upper limit of 24%. "If the other party asks for repayment at an annual interest rate of more than 24%, its claim will certainly not be supported by the court."

"As a borrower, try not to touch loans beyond your repayment ability. This is the most effective way to protect yourself. " Chen said, "But if it is collected maliciously, the victim should first pay attention to collecting evidence. In addition to photos, screenshots and so on. It is best to preserve evidence through notarization and seek the help of public security organs. "