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.