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What is a beauty loan?
"Beauty loan", also known as "medical beauty installment payment", is a small consumer loan project jointly launched by small loan companies and medical plastic surgery institutions. "Beauty loan" has the characteristics of fast approval, low quota, short cycle, moderate interest rate and pure credit loan, which is mainly aimed at beauty lovers with beauty needs but insufficient expenses. Some consumers with poor awareness of self-prevention often become targets, and are induced by intermediaries or beauty institutions to spend in advance and over-consume. There are also some illegal organizations that use high-paying recruitment as bait to attract young women to cosmetic surgery institutions and fall into the "beauty loan" scam.
The police reminded us to be wary of posts that exaggerate high salaries and set preconditions for employment.
Regarding the crime of "beauty loan" fraud, Liu Lang, assistant judge of the criminal trial court of Haidian Court, suggested that when applying for a job, you should choose carefully according to your actual situation, especially for the recruitment positions that exaggerate high salary and set employment preconditions (such as requiring cosmetic surgery) to avoid falling into the scam. It is best for job seekers to find a job through a formal, legal and qualified job search platform, and at the same time verify the situation of the employer. When you need a loan, you should also apply for a loan through formal and legal channels, and beware of being deceived.
How to choose "beauty loan"?
The judge suggested "five views": to look at qualifications, it depends on the qualifications of beauty institutions and small loan companies; Look at the operation, you can check the operation of relevant units through eye inspection. After reading the report, you can check whether the relevant units have negative news online; Look at the effect, but also look at the advertisements and promises of beauty salons to avoid being confused by exaggerated postoperative results; The most important thing in looking at a contract is to strictly examine the terms of the contract. Before signing a loan contract for beauty consumption, the borrower should specify the loan term, agreed interest rate, guarantee terms, overdue terms, penalty terms and authorization terms in the loan contract to prevent relevant institutions from aggravating losses in various names, overdue fees or penalty terms.