How can there be such a good thing in the world? Many beauty loans are regular loans, so beauty agencies don't care about your face but only your money. Beauty loans not only have to be repaid, but also often have high interest.

Use tempting advertisements such as "beauty first, then pay the bill" and "0 interest, 0 down payment and beauty" to attract people who want to be beautiful but lack money. While entering the medical beauty institutions, they were promoted to expensive projects and further recommended "beauty loans". It sounds like a financial product, which can help users who do plastic surgery projects to pay in installments, but behind it is the abyss of "comparable" usury.

Some consumers complained that they were promoted to buy tens of thousands of dollars of beauty projects. When consumers are hesitant because of the high price, the salesman launches an offensive to fool customers into handling "beauty loans". Some even directly received the customer's mobile phone operation and gave the loan without the consumer's knowledge.

Two traps of beauty loan

1, false propaganda

Because medical advertisements are very similar to beauty advertisements, because they are not ordinary beauty in essence, but actually medical beauty. China has special laws on medical beauty advertisements. No witness testimony, no endorsement, no excessive publicity. These advertisements of Meridian Loan basically involve an illegal propaganda problem, which violates the Advertising Law and the Regulations on the Administration of Medical Advertisements.

2. High loans

Beauty loans accomplish this so-called medical beauty through loans, which are basically small loans or loans with relatively high interest rates. From the perspective of private lending, these "beauty loans" and "beauty loans" have high interest rates, and some "beauty loans" are illegally lent to college students without economic income; Confuse the concepts of daily interest, monthly interest and annual interest, and mislead consumers into thinking that the loan interest rate is very low; Illegally charging "beheading interest" greatly increases the borrower's capital cost.

The so-called "beheading interest" means that the lending institution does not lend according to the loan amount agreed in the contract, but charges a higher amount in advance as a service fee. For example, the loan amount in the contract is 654.38+00000 yuan, but the borrower actually only gets 8000 yuan, and 2000 yuan is charged by the lending institution as "beheading interest", but the borrower needs to return the principal of 654.38+00000 yuan and the corresponding interest generated on the basis of 654.38+00000 yuan. This is usury, which is a typical illegal act.

Consequences of non-repayment of beauty installment loan

Consequences of non-repayment of beauty installment loan

As we all know, credit information is very important to each of us. As long as banks have a long history of small loans or overdue loans, they may refuse to lend or lend less. The next step is about the consequences of not repaying the beauty installment loan.

Beautiful installment loan 1 consequences of non-repayment

1. Like other online lending platforms, many medical beauty staging platforms will also charge a high penalty interest after the deadline, and interest will be calculated on a daily basis and compound interest on a monthly basis.

2. It's very common that doctors and beauties don't pay in installments. At first, the collection will be made by SMS or telephone, but as the overdue time becomes longer, the collection means will be upgraded, and the possibility of exploding the address book will not be ruled out.

3. In addition, there are some medical and aesthetic staging platforms that hold meetings to collect credit, which will have a very adverse impact on the borrower's credit. It is extremely difficult to get a loan or apply for a credit card in the future. Access to private credit reporting agencies without credit reporting, and credit reporting between online lending institutions may be enjoyed, which will eventually affect your personal credit.

4. Bear high overdue penalty interest and liquidated damages.

After the deadline, there will be text messages, phone calls, etc. Even the address book will be exploded, which will bring troubles to family and friends.

6. Experienced all kinds of violent collection, such as mass posting, slander, insult and threat.

7, affect the normal life and work, may be unemployed.

Beauty said that the consequences of not repaying the installment loan were two

First, medical beauty loans are consumer loans, and you can apply for medical beauty loans from banks or licensed financial institutions. You really don't know much about loans. It is recommended to find professionals to assist in handling bank loans.

Second, the high interest rate routine of medical and American loans, the installment interest rate is inconsistent with the actual interest rate, and the actual interest rate is as high as 30% or more. As early as 20 19, China Banking Regulatory Commission (CBRC) demanded an upper limit on the annualized interest rate of consumer loans and prohibited all kinds of conventional loans. Therefore, compared with the past, the installment interest rate of the medical and beauty industry has become lower, but if calculated carefully, it is still at a fairly high level. According to insiders in the consumer gold industry, the IRR (internal rate of return) of general medical beauty staging is around 30%, which can be understood as the interest rate of 30%. According to the statistics of New Oxygen Big Data, the average age of medical beauty consumers in China in 20 19 years was 24.45 years old, and consumers aged 18-25 years old accounted for 54.05%. As can be seen from this set of data, most young people are doing medical beauty, and most of them belong to the new society and have no strong economic strength.

Third, for young people with weak repayment ability, the interest rate of 30% is already pure usury, which is higher than the highest private lending rate stipulated by the Supreme Law 14.6%. Not only that, once the lender is overdue, it will be charged an ultra-high handling fee. For example, for a medical beauty staging platform, the overdue fee will be charged according to "current payable amount ×3%× overdue days". The first installment of 4,000 yuan is not repaid in installments, and 2,400 yuan is overdue for 20 days, which has reached more than half of the loan amount.

Consequences of non-repayment of beauty installment loan 3

1, the credit record becomes worse, resulting in low credit evaluation, which will become a credit stain. Bad credit information will be uploaded to the personal credit information system of the People's Bank of China, which will be tainted in various systems throughout the country, and it will be impossible to apply for a credit card or a loan in the future.

2. The bank will collect money by telephone, SMS, etc. And will also contact and inform family, relatives and friends. Finally, it is well known that personal integrity and reputation will be seriously affected.

3. A large number of penalty interest and late payment fees are generated, which requires more and more interest to pay back the money. If you reach a certain amount or don't repay, you will call the police and sue, and the court will force repayment.

4. The formal repayment of bank credit cards is closely related to personal credit. If you are overdue or refuse to repay, your credit history will be stained. Credit records are related to all banks in China. If you want to borrow money to buy a house or a car in the future, other banks will refuse to give you a loan when they see that there is a record of default in your credit history.

What are the application conditions for beauty loans? Should I return it?

; ? Everyone loves beauty. In recent years, a loan product-beauty loan has emerged in the market. So someone asked, what are the application conditions for beauty loans? Should I return it? Then simply tell everyone.

1. What are the application conditions for beauty loans?

1. 18 years old, some lending institutions also have gender restrictions, only for women.

2. Have a stable job and open source income.

3. Credit information is in good condition, and there is no long-term lending risk in online lending big data.

4. Real-name registered mobile phone, and used for 6 months or more.

5. Can provide valid proof of residence.

Second, is the beauty loan credited to your own account?

As far as the model of beauty loan is concerned, the money is directly credited to the account of the cosmetic hospital. After receiving the money, the hospital will arrange the borrower. Of course, this business process is not standardized, and borrowers and hospitals often "cooperate" to illegally defraud loans, so some institutions will have special risk control personnel to go to designated beauty institutions for review and tracking.

Third, do you want to repay the beauty loan?

Beauty loan is also a kind of consumer loan, so it is natural to pay back the borrowed money, otherwise it will definitely be urged by lending institutions, which will affect your big data and the normal life of related contacts.

The above is about "What are the application conditions for beauty loans? Do you want to return it? " The answer, I hope to help everyone. Generally speaking, the application condition of American loans is that those users who have stable repayment ability must pay back the money on time after borrowing, otherwise there is a risk of overdue or fraudulent loans. Therefore, everyone must consider it clearly when applying, and the love of beauty should also be within their own capabilities.

What are the consequences of beauty loans?

Beauty loan is a kind of consumer loan for people who have beauty needs but have no financial ability. Beauty loans are generally suspected of usury or routine loans, which is illegal. Beauty loans are generally not repaid and will not be reported to the central bank for credit, but they will bear the following consequences:

1, and bear high overdue penalty interest and liquidated damages. ;

2. After the deadline, there will be text messages, phone calls, etc. Even the address book will be exploded, causing trouble to family and friends;

3. Experienced all kinds of violent collection, such as mass posting, slander, insult and threat;

4, affecting normal life and work, may be unemployed.

Market rectification

2065438+On May 28th, 2009, Changsha Public Security Bureau found that a group of criminal suspects used "Jiali loan", "plastic loan" and "micro-loan" as gimmicks, and used "no interest payment" and "no mortgage" as the cover. Among them, Hunan Santongjin Financial Management Co., Ltd. is one of them. On June 2 1 day, the police launched a unified network-closing operation, and Tang and other suspects were arrested in the company. Nine suspects, including Tang Mou, an executive, were suspected of fraud, extortion and illegal detention, and the case has been tried in Ningxiang City Court.

On the evening of September 27th, 20021year, a notice entitled "Notice of the General Office of the State Administration of Radio and Television on Stopping Broadcasting Beauty Loans and Similar Advertisements" was issued, which officially put the previously unscrupulous beauty loans and similar advertisements into detention facilities, and radio and television and online audio-visual institutions and platforms were not allowed to broadcast them. The "Notice" pointed out that some "beauty loan" advertisements were recently discovered to attract young people with low interest or even interest-free, and to induce advanced consumption and ultra-high consumption, which was suspected of false propaganda, deception and misleading consumers, causing adverse effects. The State Administration of Radio, Film and Television said that all localities and units should report to the Media Department of the State Administration of Radio, Film and Television on June 5438+00 and June 5438+05.

The SARFT stopped the advertisement of "Beauty Loan", which released a clear signal of strictly regulating the management of "Beauty Loan" and protecting consumers' rights and interests, and also took a key step for the management of "Beauty Loan".

social influence

On July 28th, 20021year, it was learned from China Consumers Association that the number of beauty and hairdressing complaints accepted by the National Consumers Association increased significantly in the first half of 20021year compared with the same period. Complaints about beauty salons in the first half of 2020 10270, complaints in the first half of 2026 16459+0, up 60% year-on-year, ranking fifth among all kinds of complaints. Consumers Association reminds consumers that when receiving medical beauty services, they should pay attention to whether the institution has obtained the practice license of the medical institution and whether the practicing doctor has the qualification certificate of the practicing doctor. In particular, we should carefully choose Beauty Online Loan, rationally assess risks, recognize our own economic situation and repayment ability, sign online loan contracts, and do not leave others to operate.