1, informal microfinance software
Now basically all loan companies have mobile phone loan software and many loan platforms. Many people like to apply for small loans with this mobile phone loan software, which is convenient and time-saving!
However, when we choose this kind of microfinance software, we should still choose to download the formal microfinance software in the formal application market (the formal mobile phone application market basically shows that this software has been audited by the market and the testing is safe). Don't trust the installation packages sent to you by others and some informal websites found online easily, so as not to reveal our information and cause economic losses.
2. If there is no loan, let the fee be paid.
This is the most commonly used trick of many small loan scammers, and it is also a tried-and-true trick. Cheaters with small loans will make you pay a certain deposit or information fee in advance, and assure you that the loan amount is very high and will arrive soon. When you need money badly, you don't think so much at all. As a result, when you paid the money, you couldn't contact him.
You can get a loan as long as you have an ID card.
Nowadays, many microfinance institutions say that they can borrow as long as they have an ID card, but do they really only need an ID card? Put yourself in another position. If it is a small loan company, do you dare to lend money to each other with only one ID card?
In fact, there are two situations. One is that some small loan scammers say that they can make money as long as they have an ID card, and nothing else is needed. They should be careful in this situation. After you get your ID card, they may ask you to pay, and if you don't pay, they will threaten you to disclose your ID card information.
The other is the advertising language of the microfinance company, which only needs the ID card for publicity, but in fact, it needs to provide income proof, work proof or credit report when lending. This kind of loan is formal and can be done.
4. Interest is much lower than general interest.
For example, the "Ten Loans", which had been making a lot of noise before, made female college students borrow money with a weekly interest rate as high as 30%, which is undoubtedly usury, and this usury is usually accompanied by violent collection. Once hooked, it is difficult to get out of this vicious circle.
When you meet a financial institution that claims that the interest rate is lower than that of the bank, you must remember this passage. There is no pie in the world, and most scams start with greed. At the same time, when signing a loan contract, we must have a basic concept of usury.
5. Mortgage loan does not need any mortgage.
For some high-value loans, guarantors and collateral are generally needed, otherwise loans cannot be made in formal lending institutions. However, online scammers falsely advertise that "hundreds of thousands of loans can be made immediately without guarantee or mortgage". This kind of scam almost does not set any loan conditions for loans, and uses people's urgent needs to lure them.