Link 1: Carefully design routines 1. Routine loans usually lure victims in the name of "consumer finance" or "consumption staging", such as cosmetic loans, training loans, mobile phone staging, and recruitment loans.
Jingnuo Group, for example, Xiao A wanted to become more beautiful through plastic surgery because she was dissatisfied with her face shape, but the expensive plastic surgery cost made Xiao A unbearable, so the regular loan provided her with a loan plastic surgery and installment repayment plan.
Second, routine loans use low-threshold loans as bait to induce victims to cooperate with them.
For example, Ms. Li borrowed money from a small loan company because she was in urgent need of short-term capital turnover, but found that the interest was extremely high when she repaid it later.
Anti-fraud guide: installment loans are really popular now. Nomijun believes that in the consumption stage, we should first keep a clear head and attach great importance to it, and then ask the lender, loan interest rate and other information clearly. This link is just the beginning of the routine, luring into the game, and the good play is behind.
Link 2: Throwing low interest and low threshold bait In order to let the victims fall into the trap step by step, conventional loans usually give confusing means such as low interest and low loan threshold, or weaken the difficulty of repayment and loan interest.
For example, regular loans will tell you that our loan interest rate is less than 3%, which is lower than that of banks; You don't need anything. You just need an ID card to get a loan. Loan 1 10,000, only interest 100 per month, just one meal, which is very low.
In short, I just want to tell you that the loan is very cost-effective and easy.
Anti-fraud guide: this stage is the key point for the victim to be deceived. Because it is greedy and cheap, it is deeply attracted by this kind of cost-effective and easy-to-get routine loan. Jingnuo Group gives the following countermeasures:
First: About the loan interest rate: Please refer to the benchmark interest rate of the central bank loan. Too high or too low is not normal. If the loan interest rate exceeds 36%, it is usury. If it is extremely low, it may be a regular loan.
Second, the threshold for loans: loans are usually based on the borrower's credit information and assets. General requirements are whether there are social security, provident fund, punch card salary, RV and other conditions. For those with low thresholds, loans can also be made, but the amount will not be large. If you claim that you can borrow 50,654,38+million with only one ID card, you don't need any other conditions, then you should pay attention.
Link 3: Sign a False Contract Next, the liar will sign a contract with you, but there are unequal clauses in this contract. For example, the inflated loan amount was originally only 10000, which was written as 20000 in the contract; Signing a Yin-Yang contract, in addition to the formal contract, will also require additional IOUs; And sign mortgage contracts for houses and vehicles.
Anti-fraud guide: There are so many terms about the contract that most people really can't tell them apart. The best way is to find a lawyer to help you examine it, or to help your relatives and friends look at it. In addition, Jingnuo Group reminds that if the contract amount is inconsistent with the loan amount, the arrears outside the contract and the contents of the contract are inconsistent with what was discussed before, it must not be signed.
Link 4: After signing the contract to make the bank flow, the swindler will transfer the loan amount to your bank card, but someone will accompany you to the bank to withdraw it all, and then ask you to refund part of the amount to the swindler. In this way, the evidence that the bank flow is consistent with the loan contract is formed. Even if you go to court later, it's useless.
Anti-fraud guide: regular lending institutions will not let you withdraw cash and then return some to lending institutions. Unless the loan intermediary will charge the loan fee, it is generally stated in the formal contract before lending that the intermediary and the lending institution handling the loan fee are not the same person or company. ?
Therefore, if you encounter the above situation, don't return the money to the liar and call the police immediately.
Link 5: Unilateral manufacturing breach of contract
In this link, the swindler usually refuses to accept the borrower's repayment by "no text messages or phone calls" and deliberately delays it, thus creating a situation in which the borrower defaults and is overdue. In this way, the liar can collect liquidated damages. This penalty is definitely high and profitable.
Anti-fraud guide: when signing a contract, it is necessary to clearly stipulate the liquidated damages and repayment methods. In particular, don't think that you won't breach the contract and don't care about the proportion of liquidated damages.
If it is stated in the contract that the repayment encounters the above situation, you must keep good evidence, such as chat screenshots, total memories, etc., so as to identify the responsibility later.
Link 6: Borrow the new model to pay off the old account. Once the victim defaults, he can't repay the loan and interest. The swindler will come up with an idea to introduce a loan to the victim to repay the previous loan. It is estimated that at this time, some victims will still regard the liar as a good person, but they don't know that they have entered another trap.
Anti-fraud guide: Routine loan has its own circle, and different gangs in the circle let the victims borrow the new and return the old through introduction, thus making profits. The loan amount and interest increased geometrically.
Link 7: Malicious debt collection to this link, the victim has been unable to repay. At this time, the swindler will recover the loan through various means. For example, it encroaches on the victim's fixed assets such as the RV, carries out violent collection, collects debts through false litigation, and even coerces female victims to engage in improper work to repay loans.
Anti-fraud guide: At this point, most victims already know that they have been cheated, but scammers have various "legitimate" reasons, which leads to the victims having to give in. Jingnuo Group suggested that the police should be called immediately in this case.
The above are the common means of routine loans to guide the victims to be deceived step by step. Jingnuo Group reminds everyone that loans must go to regular companies to avoid being cheated.