Naked loans, small loans, beheading interest ... those "routine loans" that you don't know!

One day, Ms. Han in Wuxi added a sum of money to her bank account, and later received a phone call saying that the remittance was wrong. Thinking that she usually heard something similar to the wrong remittance, the kind-hearted Ms. Han divided 25,200 yuan into three times according to the request of the other party, and "returned" the money through Alipay, WeChat and the bank counter respectively.

I thought this was the end of it. Unexpectedly, a month later, Ms. Han received a short message from the bank, showing that her bank card was deducted by more than 3,000 yuan. Ms. Han, who was confused, immediately reported the police and the truth surfaced.

It turned out that criminals used Ms. Han's personal information to borrow 25,200 yuan from a loan website-yes, it was the money that was previously credited to Ms. Han's account! Subsequently, the criminals contacted Ms. Han and lied that she had made a wrong payment and asked Ms. Han to "refund". As everyone knows, a month later, Ms. Han needs to repay the interest on this loan. More than 3000 yuan deducted from her bank card is the first interest.

In the end, Ms. Han appealed to the bank to avoid further loss of property. However, Ms. Han herself doesn't know how her personal information was leaked and used by criminals for loans.

Different tricks have the same ending.

Asking you for money is not negotiable.

If you don't want to be cheated,

Please read the following article carefully.

contracts for loan

"In fact, they borrowed 6,543,800 yuan, but all three were forced to write a loan of 6,543,800 yuan, and finally they paid 6,543,800 yuan+0.75 million yuan before they got rid of it." 20 12. 02. 12 I mentioned the experience of being blocked by small loan companies around the Spring Festival last year. Gu felt as if she had experienced an unbearable nightmare.

Because his wife helped a friend borrow 1 10,000 yuan from a microfinance company, the Gu family was chased home and his wife's freedom was restricted. It was clearly the Spring Festival when his family got together, but he borrowed money from relatives and friends everywhere.

According to the data, since 20 17, Wuxi procuratorate * * * accepted 2 1 case of this kind of "routine loan" and approved the arrest of 8 1 person. The charges involved extortion, illegal detention, intentional injury, trouble-making, etc.

Huge profits triggered a series of sudden outbreaks of "routine loans", and criminals targeted the victims who were in urgent need of money but could not get bank loans because of credit problems. There is a misunderstanding about "routine loan", which is considered as usury and an important reason for some victims to "routine".

A microfinance company in a legal cloak

According to Yang Shuai, the prosecutor who undertook the "routine loan" case, the criminals in the "routine loan" series of criminal cases are quite special. Most of them operate in the name of small loan companies and information consulting companies. The company has a fixed business place, with positions ranging from general manager to employees.

These small loan companies are all individual proprietorships or partnerships, and the shareholding ratio of partners is different. However, no matter how the company is established, it is actually doing the business of "routing loans" under the cloak of legal registration.

At the beginning of 20 16, the suspect Fang met Xu, the legal representative of Ganhong Company. The registered capital of this Ganhong company is 2.08 million yuan, and the business scope of industrial and commercial registration is trade information service, enterprise management consulting service and technical service.

But in fact, Xu mainly uses Ganhong Company to do business in folk credit. After learning that Fang is familiar with a small loan business model with a high rate of return, Xu and Fang invested 500,000 yuan and 1 10,000 yuan respectively to set up business department, risk control department, contract department, accounting department, loan repayment department and other departments to recruit people to carry out small loan business in Ganhong Company.

Judging from the cases handled by Wuxi Procuratorate, the microfinance business model operated by these microfinance companies is easy to copy, with high dissemination rate and low requirements for education. More than 70% employees only have junior high school education or below. For example, Mei Moumou, who has only a primary school education, once worked in a small loan company in Wuxi, and later set up four companies to engage in small loan business in the name of information consulting and investment.

In order to enhance credibility and confuse victims, most of these microfinance companies rent in high-end office buildings. Victims who don't know the truth can easily be deceived when they see that these microfinance companies have good offices and luxurious furnishings. According to incomplete statistics, hundreds of such microfinance companies are hiding in some high-end office buildings in the center of Wuxi.

Four Common "Conventional Loan" Models

Through the analysis of the cases handled by Wuxi procuratorate, it is found that there are mainly "four routines" in the case of "routine loan" in order to obtain illegal high profits.

Many loan platforms claim to have zero interest and zero handling fee! This is serious nonsense. Don't believe a word of it. Beheading interest refers to deducting loan interest, handling fees, management fees, security deposits, etc. From the loan principal. For example, if you borrow 10000 yuan, the next repayment will only be 7000 yuan. Of course, after a week, you still have to pay 10000 yuan, and deducting 3000 yuan is the interest on beheading. Ok ... let's do a simple calculation. The annual interest rate exceeds 2200%.

Why are some platforms so easy to lend money to students without income? As long as you take a photo with your ID card and upload it, you can basically get a loan. It's simple. Students have no money and parents have money. They are interested in the parents behind the students. The period for students to borrow money is basically one month, and the possibility of repayment is slim.

Therefore, students are required to pay some collateral, such as asking students to take nude photos with their ID cards. Once it is overdue, it will send nude photos to parents, which are full of illegal loans.

Some loan platforms have low interest rates, and other fees seem to be low. But once overdue for more than one day, the interest will be as high as 30% at most. The platform will not tell you these high overdue fees, nor will it remind you to repay in advance, because they want sky-high overdue fees.

What is really terrible is this kind of routine loan. Once you borrow money, they will encourage you to sign a inflated contract that is 1 times or even several times higher than the money you borrowed.

For example, if you borrow 65,438+10,000 yuan, the loan will be written as 200,000 yuan. At this time, liars usually say that you won't really have that much. Don't worry, you will be fine if you repay on time. After you sign the IOU, they will take you to the bank to take the cash and let the bank flow.

Finally, once you default, the borrowing company will help you solve it equally. The lending company will recommend you to borrow money from another lending company to repay their money, and at the same time, you will sign a higher debt contract.

If you have a house, it may have become a piece of fat in the eyes of the loan company. According to the pre-signed contract, once you don't pay the money, your property will be sold at a low price, and your family and friends may be bombarded by the phone of the loan company, or even subjected to soft violence such as language threats, painting walls and blocking holes with keys, and suffer endless harassment.

Friends who are short of money and want to borrow money must be rational, and don't fall into the trap of a liar because of impulse.

Specific people become the object of "routines"

According to Yang Shuai, the prosecutor, the victims of this "routine loan" case are mostly low-income unemployed people in this city, aged between 20 and 50. They have fixed real estate or vehicles under the names of the victims or their close relatives, have poor bank credit information and lack legal knowledge and financial common sense. Because the victim can't borrow money from formal channels, it is easy to fall into the trap when he learns that unsecured and fast-lending microfinance companies can lend money.

The victim originally took out the loan because of financial difficulties, but the high interest rate and the repayment of IOUs higher than the actual loans undoubtedly made the victim's economy worse. In addition, the criminal suspect deliberately created the victim's default conditions, verbal threats, paint splashing, intimidation, restriction of personal freedom, beatings and insults, or filing a lawsuit (false), which caused huge property and mental damage to the victim and his close relatives, and even caused the victim to jump off a building, commit suicide, sell a house and pay off debts and other serious consequences.

2065438+April 2007, the victim Wu Mou was introduced to borrow 10000 yuan from the microfinance company Wanyou Company, but signed a loan contract of 20000 yuan. Wanyou Company transferred money to Wu Mou through online banking, and asked Wu Mou to take photos with 20,000 yuan in cash, ID card and 20,000 yuan loan contract, which created the illusion that Wu Mou had obtained the loan agreed in the contract, and then recovered 20,000 yuan. After deducting fees, interest and other expenses, Wu Mou actually got less than 6,543,800 yuan.

In May, due to Wu Mou's failure to transfer the money to the designated account before the repayment date 15: 30, Wanyou Company ruled that Wu Mou had breached the contract and asked Wu Mou to repay the loan of 20,000 yuan. Later, Wanyou Company illegally detained Wu Mou and demanded his repayment, during which he beat Wu Mou and forced him to have sex with the company's debt collectors.

Be vigilant and beware of being "routine"

It is understood that a big reason why many victims are "routine" is that they mistakenly think that microfinance companies are an upgraded version of usury, thinking that they will not default as long as they repay on time. In addition, the suspect vowed before the victim borrowed money that "nothing will happen if he repays on time", which led the victim to relax his vigilance and fall into the trap.

"Routine loan" is different from usury, and it is more complicated and profound than usury. According to Xu Feng, Deputy Procurator-General of the People's Procuratorate of Xishan District, Wuxi City, "routine loan" illegally occupies the victim's property in the name of "borrowing", and the goal of usury is to obtain high interest. Judging from the legal consequences, "routine loan" is essentially an illegal and criminal act.

"If you are short of money, you can't borrow money from the' routing loan'." Xu Feng said that according to the cases currently investigated, the criminal activities of "routine loan" may be just the tip of the iceberg, and the procuratorial organs will further dig deep into the hidden criminal chain behind "routine loan", strengthen the interweaving of serial analysts, and prevent crimes from being missed and the net from escaping. While handling cases, we should increase the recovery and return of stolen money and goods from property infringement, and curb the spread of criminal activities of "routine loan".