As the saying goes, "The city is full of routines." Nowadays, there are routines everywhere, and there are routines all the time. If you don't pay attention, you will fall into the routines. As a migrant worker in the financial industry, the longest journey Jinnuo Group has taken is the loan routine. In the loan industry, Jinnuo Group has seen too many victims who fell into routine loans. In fact, these schemes are full of loopholes and are not difficult to detect. It’s just that the vast majority of people lack financial knowledge and are deceived. So, how do routine loans lure victims into being deceived? Let’s take a look with Jinnuo Group. Step 1: Carefully design a routine

First, routine loans usually lure victims in the name of "consumer finance" or "consumption installment", such as plastic surgery loans, training loans, mobile phone installments, recruitment loans, etc. form.

Jingnuo Group gives an example. Xiao A wanted to become more beautiful through plastic surgery because he was dissatisfied with his face. However, the expensive plastic surgery cost made Xiao A unable to afford it, so Taolu Loan provided him with a loan. Plastic surgery, installment plan.

The second is that routine loans use low-threshold loans as bait to induce victims to cooperate with them.

For example, Ms. Li needed a loan from a small loan company because she was in urgent need of short-term cash flow, but found that the interest rate was extremely high during the later repayment.

Fraud prevention guide: Nowadays, consumption installment and installment loans are indeed very popular. Nomijun believes that when consuming installment loans, you must first keep a clear head and pay high attention to it, and secondly, you must inquire clearly about the lending institution, loan interest rate and other information. At this stage, it is just the beginning of the routine, luring people into the game, and the fun will come later. Step 2: Throwing out low-interest and low-threshold baits

In order to lure victims into the trap step by step, routine loans usually provide deceptive means such as low interest rates and low loan thresholds, or weaken the difficulty of repayment and the loan threshold. Interest etc.

For example, Taoludai 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 only need an ID card to get a loan; you can borrow 10,000 per month It only costs 100 yuan in interest, which is just the price of a meal, which is very low.

In short, I am telling you that getting a loan is very cost-effective and very easy.

Anti-fraud guide: At this stage, the key is for the victim to be deceived. Due to their greed for small gains, they are deeply attracted by this cost-effective and easy loan scheme. Jinnuo Group provides the following countermeasures:

First: About loan interest rates: Please refer to the central bank’s benchmark loan interest rate. It is abnormal to be too high or too low. If the loan interest rate exceeds 36%, it is usury. If it is extremely low, it may be a routine loan.

Second: Regarding loan thresholds: Loans are usually given based on the borrower’s credit and asset status. Generally, it will ask whether there are conditions such as social security, provident fund, punch-in salary, and RV. For a low threshold, you can still get a loan, but the amount will not be very large. If you claim that you only need an ID card to get a loan of 50,000 or 100,000, without any other conditions, then you should be careful. Step 3: Sign a false contract

Next, the scammer will sign a contract with you, but there are unequal terms in this contract. For example, the loan amount was artificially high. The original loan was only 10,000, but it was written as 20,000 in the contract; signing a Yin-Yang contract, in addition to the formal contract, also required an IOU; and signing a house and vehicle mortgage contract, etc.

Anti-fraud guide: There are many clauses in the contract that ordinary people cannot identify. The best way is to ask a lawyer to help review it, or to have relatives and friends help check it out. In addition, Jingnuo Group reminds you that you must not sign if the contract amount does not match the loan amount, if there is an IOU outside the contract, or if the contract content is inconsistent with the previous negotiation content. Step 4: Create bank flow

After the contract is signed, the scammer will transfer the loan amount to your bank card, but will send someone to accompany you to the bank to withdraw all the money, and then ask you to return part of the amount to the scammer. . This provides evidence that bank statements are consistent with the loan contract. Even if you file a lawsuit later, it will be useless.

Fraud prevention guide: Regular lending institutions will not let you withdraw the amount and then refund part of it to the lending institution. Unless the loan intermediary charges a loan handling fee, this is usually stated in a formal contract before the loan is disbursed, and the intermediary that charges the loan handling fee is not the same person or company as the lending institution. ?

So if you encounter the above situation, you must not refund the money to the scammer, and call the police immediately.

Step 5: Unilaterally creating a default

In this step, scammers usually use methods such as "not replying to text messages and not answering phone calls" to refuse to accept the borrower's repayment, and The purpose of deliberate delay is to create a situation where the borrower defaults and becomes overdue. This allows the scammer to collect liquidated damages. This liquidated damages must be very high, and the interest rate is compounded.

Fraud prevention guide: Liquidated damages and repayment methods should be stated when signing a contract. Especially regarding liquidated damages, don't think that you won't breach the contract and don't care about the liquidated damages ratio.

If it is not stated in the contract and you encounter the above situation during repayment, you must keep the evidence, such as chat screenshots and call recordings, to facilitate the later determination of liability. Session 6: Borrow new models to repay old debts

Once the victim defaults, he will be unable to repay the loan and interest. The scammer will come up with ideas and introduce the victim to get another loan to repay the previous loan. It is estimated that at this time, some victims will still regard the scammer as a good person, but they do not know that they have entered another trap.

Anti-fraud guide: Routine loans have their own circles, and different gangs in the circle allow victims to borrow new models to repay old debts through referrals, and the interest is compounded. The loan amount and interest multiply exponentially. Step Seven: Malicious Debt Collection

At this stage, the victim is no longer able to repay the loan. At this time, the scammer will use various means to recover the loan. For example, they embezzle the victim's fixed assets such as the RV, conduct violent collections, collect debts through false lawsuits, and even coerce female victims to engage in improper occupations to repay loans.

Anti-fraud guide: By this stage, most victims already know that they have been deceived, but the scammers have various "legitimate" reasons, causing the victims to give in. Jinnuo Group recommends calling the police immediately in this case.

The above are the common methods used by routine loans to guide victims to be deceived step by step. Jinnuo Group reminds everyone that you must find a regular company for loans to avoid being deceived.