If you want to sign a "loan contract", you must be careful.
Teacher Zhang is unemployed and short of money because of the epidemic. He saw an advertisement for a small loan on the Internet and applied for a loan. In this process, the other party proposed that a so-called "loan contract" must be signed first.
I want a "verification code", but I can't give it.
The police reminded:
1. Don't trust all kinds of loan advertisements such as phone calls, text messages and social software groups. If you need to apply for a loan, please apply to a formal national financial institution.
2. Banks and formal loan companies will not require borrowers to pay "deposit" and "handling fee" before applying for loans.
Don't disclose important personal information easily.
4. If in doubt, please call 1 10 or ask the police station for help.
Related questions and answers: What are the scams of microfinance? 1, associated bank card. Many microfinance platforms will allow you to associate a bank card for instant lending and automatic repayment. It seems to be for the sake of the borrower, but it is actually a trap. The lending platform allows the borrower to deposit a sum of money in the associated bank card on the grounds that it needs bank flow. In fact, after the borrower deposits, the liar lending platform will transfer your money.
2.VIP loans are more. Many lending platforms disguise themselves as formal and upright lending platforms, attracting borrowers with high prices and low interest rates. After the borrower is fooled, he finds that the quota has not increased, and the liar lending platform will let you be a member, deceiving the borrower that he has more choices and more benefits. In fact, after the payment, the loan cannot be approved, and the fee has already reached the liar lending platform, and there will be no refund.
3. The cost is not clear. Many people encounter small loans, and the lending platform will advocate daily interest and monthly interest. You see, the interest rate is not very high, so you are cheated. In fact, the annualized interest rate is surprisingly high. There are also some management fees, handling fees and various fees that will appear on it, adding up to a usury.
Related Questions and Answers: Is Microfinance a Welfare or a Trap? Yesterday, a friend I haven't contacted for a long time suddenly found me and asked me to help him find a way to tide over the immediate difficulties. I met this friend when I rented equipment at 15. He was learning to rent a stereo with another friend of mine, Lao Wang. At that time, the wedding equipment industry was not as perfect as it is now, and the profit from making stereos was still considerable. During this period, I had a period of cooperation. Two years later, I stopped doing the wedding industry and gradually lost contact. After sitting down and chatting for a while, I realized that he was not the work behind 16 Lao Wang. He asked his family to spend tens of thousands of dollars to buy several sets of audio equipment and go it alone. It was fine in the first two years, but it got worse after 18. The money earned in the previous two years has not been saved or invested in new equipment to develop new business, and gradually it is not done. At first, he gave each other several credit cards. Later, the credit card was overdue, and I couldn't get a new card, so I borrowed an online loan, and the accumulated online loan was still not available. Now I'm transferred to a collection company, and I urge him to pay the bill every day, so he changed a new card and changed his address. Now the collection phone has called all his friends in his address book, and now he is desperate. What can I do? I asked him to type up the credit report. Boy, there are five credit cards overdue for more than seven months, and three have been collected and compensated. The total amount of credit cards is less than 2 w. I am speechless. Tell him you don't have to go this far. It's only about 20 thousand yuan. If you still want to live honestly, find relatives and friends to collect this 20,000 yuan, take the initiative to contact the issuing bank and the collection company, pay back the money first, then find a job and do things in a down-to-earth manner. After five years, overdue information can be covered. I wonder if the compensation can cover it.
I don't think he would have come this far if he hadn't been too easy to lend money when he first came into contact with small online loans. There were still many social hotspots on online loans in the past two years, so I think small online loans are a trap. I suggest you try not to touch them.