The landlord was obviously cheated, because the loan deposit, loan approval fee, loan packaging fee and loan agency fee are all fraudulent names of some loan platforms. What you need is a loan, but what the other party wants is your deposit itself. Not only can your deposit not guarantee your loan, on the contrary, your deposit is just the prey of those swindlers. There are many kinds of online loan scams, which are hard to prevent. How can we distinguish the authenticity and find the real lending institution? You need to master the following three skills:

1. Confirm lending institutions: Before choosing a lending platform, investigate lending institutions to see if you can find relevant information. Many companies under the banner of banks, microfinance companies and loan service platforms are actually black intermediaries.

2. Take the formal loan process: Before applying for a loan, learn about your credit status on the WeChat Dumas data, avoid those loan platforms that are far from your credit qualifications, and don't trust those who sell loans through the Internet or telephone easily.

3. Lending after paying first: Paying first and lending later is actually an unreasonable way of lending. Formal financial institutions will only charge corresponding fees after lending, so the so-called credit guarantee, loan management fee and consulting fee are illegal.

A thousand words can be summed up in one sentence. There is no shortcut to the loan, so you can't go to the hospital in an emergency. When choosing online loan products, we should pursue formal institutions with reliable background, large scale and complete qualifications, and don't be easily fooled by advertisements of "no interest, low interest and zero threshold", otherwise we will not pay the deposit, but the IQ fee.