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.
What about the installment beauty loan?
In other words, installment beauty loan is illegal, and breach of contract will not affect personal credit information. The so-called zero mortgage, zero guarantee and low interest rate of online lending platform are actually very risky, with high loan interest rate and demanding repayment requirements. This requires intermediaries to cooperate with beauty agencies and take unconventional measures to fool consumers who have no ability to repay loans.
Because they are not deeply involved in the world, they often become targets and are induced to consume in advance and over-consume. Under such "internal and external cooperation", the loan intermediary got most of the commission, while the beauty agency got both the customer and the business share. Consumers not only owe a lot of debts, but also may affect their credit information because of breach of contract.
Legal basis:
Article 680 of the Civil Code of People's Republic of China (PRC) prohibits high-interest lending, and the lending rate shall not violate the relevant provisions of the state.
If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest.
If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.
Can I not repay the beauty loan because I was cheated by rattan?
You can't. No, it won't be on the credit report yet, but there will still be serious consequences. I was cheated by Leighton and got a beauty loan. I must pay it back. Leitern professional acne organization, one-stop solution to acne, acne, acne marks, acne pits, blackheads, large pores and so on.