The "routine loan" routine is deep, and if you are not careful, you will be recruited! Teach you how to reverse the routine

In the past two years, loan fraud cases have shown an explosive growth trend. Last year, the CBRC carried out a large-scale rectification of the cash loan market. At the beginning of 20 18, routine loans became the target of the national crackdown, and the scope of the crackdown became larger and larger. Many naked loans, student loans and campus loans have been blocked one after another, and many borrowers have suffered greatly. Therefore, it is more important to know how to make regular loans, how to protect yourself and avoid falling into the trap.

First of all, let's understand what routine loan means.

Many people may not have heard of it, but it is actually a criminal technique, which is different from private lending and usury, with worse circumstances and higher amount involved. In the name of private lending, the crime of illegal possession of property is fraudulently committed, with hidden modus operandi, layers of routines and traps everywhere, creating a process of legal lending, and it is difficult for victims to leave evidence.

So how do regular loans generally implement fraud step by step?

In a news case, Gao borrowed money from Cao, and the two sides verbally agreed on the monthly interest rate. Later, the two sides signed a loan agreement, and the actual loan amount rose by 65,438+05%. Cao signed a sales contract with 16 property as loan collateral, and signed it in Cao's name on the grid.

According to Cao's request, the two sides created a bank running record of floating loan amount. Later, Gao repaid part of Cao's interest, and signed a transfer agreement with five properties and a Mercedes-Benz as a guarantee to offset the loan interest and then repay the principal and interest for free.

Cao arranged for a lawyer to file an arbitration application, demanding that Gao deliver 16 property and pay liquidated damages, which was finally successful.

Let's take a look at how conventional loans work:

1. Sign a regular contract to cheat the borrower's trust, mortgage the property and handle notarization;

2. Set obstacles to prevent the borrower from repaying normally, which eventually leads to overdue repayment;

3. Pretending to help, in fact, the interest is rolling and the debt is getting higher and higher;

4. Exploding the address book, threatening violence, harassing and intimidating, so that the borrower can continue to repay the loan or even sell the property.

How to call the police when encountering a routine loan? How to collect evidence and effectively file a case?

Several key points:

The evidence should be legal and compliant.

The evidence can strongly prove the illegal behavior of routine loan.

(3) There should be no contradiction in the evidence.

Several commonly used types of evidence:

1. Telephone recording. It is recommended to keep all telephone calls and dunning records with lending institutions.

2. SMS, WeChat, if the other party sends information to the borrower or family or friends by means of violence, threat, intimidation or harassment. , you can keep relevant records.

3. Contracts, agreements, words and transfer vouchers

4. Video recording. If the other party carries out violent collection, it can be recorded by video and used as evidence later.

All the information and suggestions during the contact with the lending institution are reserved for future use.

Finally, Xiaoxi reminds everyone that we must be cautious in the process of lending and choose a formal loan platform. The purpose of "routine loan" is not to borrow money, but to "routine" you. This is already illegal. If you encounter similar situations mentioned above, you can collect evidence and report to the police through judicial channels, and you should be familiar with the harm and modus operandi of "routine loan" and develop a sense of prevention to avoid being "routine".