Can I borrow money as long as I have an Apple mobile phone? Beware of "Apple ID Loan" under sugar coating

"Don't need a mortgage, don't need to borrow money, don't need to look at the credit. As long as you have an Apple phone, you can easily borrow money. " Campus loans, cash loans, etc. It is nothing new to be confused by your own reputation and credit information for the time being, but "Apple ID" can also be used for loans, which sounds a bit ridiculous.

The reporter's investigation found that the "Apple ID loan" wrapped in sugar-coated "unsecured, second-speed loan" is actually a new variant of cash loan for Apple mobile phone users, and there are many risks hidden behind it.

"Apple ID Loan" under Sugar Coating

Some time ago, a strange thing happened to Weibo user "Maizijun I". On the screen of an Apple mobile phone sent by a customer for repair, conspicuous Chinese characters pop up: "The bill has been defaulted, you can apply for full renewal of 660 yuan. Or don't deal with the phone lock, at your own risk ... "

Because of this hot Weibo, a new loan form of "Apple ID Loan" surfaced, and this unusable mobile phone is one of the "bitter fruits" brought by "ID Loan".

The reporter's investigation found that the "Apple ID loan" known as "zero threshold and no requirement" is specifically aimed at users who use Apple mobile phones and are in urgent need of money. The loan period is mainly 7 days. A lender told reporters that "Apple ID loan" should evaluate the loan amount according to the user's version of Apple mobile phone. Usually, the loan amount is not much, mostly in 1000-2000 yuan.

According to the lender, the borrower first needs to provide personal information for his review, including name, telephone number, school/work unit, real-name registration time of mobile phone number, number of people in mobile phone address book, etc. After the approval, the borrower needs to log in the iCloud ID provided by the lending institution on the mobile phone, bind the account with the mobile phone, and open the "find iPhone" function.

After confirming that the borrower has bound the account, the lending institution will immediately change the password of the account, so that the borrower cannot unbind the account and turn off the functions such as "finding iPhone". During the loan period, the borrower can still use the mobile phone normally. Once loans overdue, its mobile phone will be locked by the lending institution and cannot be used.

At this point, the "Lost iPhone" status will be displayed on the phone screen. Lenders will also send threatening text messages, usually to "explode" the user's address book and reveal personal privacy, which is shocking.

The illegal phenomenon of "ID card loan" is widespread.

On major social platforms, you can easily search for information related to "Apple ID loan". The reporter found out that these "Apple ID loans" are generally illegal:

-Exposing mobile phone information makes it difficult to protect users' privacy. Once the ID is bound, the lender can easily obtain the private information such as address book and photos in the user's mobile phone, and many lenders threaten the user to return the principal and interest.

Andy, deputy director of the Special Committee of Shanghai Information Security Industry Association and special researcher of E-commerce Research Center, said: "A large number of users don't understand the importance of Apple's mobile phone id. Once the mobile phone is bound with someone else's ID, the installation and uninstallation of the APP will be controlled, and the communication situation will be unobstructed, and the photos synchronized to iCloud will also be leaked. "

-"ID card loan" is suspected of "beheading loan" and campus loan. According to the communication between the reporter and the above-mentioned lenders, the "Apple ID loan" business it provides is suspected of violating many laws and regulations, and these phenomena are common in "ID loans".

The lender provided a "price list" to the reporter: "I will give you 2000 yuan, 1300 yuan in hand, with a term of 7 days. You can pay back the money and renew it at an interest rate of 30%. " This kind of behavior is not only an illegal "beheading loan", but also its annual interest rate exceeds 2800%.

At the same time, lenders also said that they like to lend money to students, because students have simple social relations and are "afraid of losing face". "When we review your information. If you don't pay back the money, we will call your parents directly, blow up your address book and go to school to find someone. " Ministry of Education 20 17 makes it clear that any online lending institution may not issue loans to college students.

-"ID card loan" caused a lot of chaos. After the ID is bound, the lender can lock the user's mobile phone through Apple's remote locking device function, and even erase the mobile phone data. Many netizens said that after they bound the id as required, the lender did not lend money, but directly extorted the "unlocking fee" from them; Some netizens have been asked to pay extra money many times after paying the principal interest as required, and it is still difficult to unlock the mobile phone.

The regulatory authorities should strengthen cooperation, and the victims need to keep evidence to protect themselves.

Many borrowers were lucky at first, thinking that it was just an Apple ID, which would not affect the use of mobile phones. Andy said that many users only registered their accounts when they first used their mobile phones, and then they never paid attention to the related use and authorization. They are even less aware of the consequences of binding someone else's ID, and often regret it after falling into the pit of "ID loan".

"For Apple mobile phone users, although' ID loan' seems to be zero mortgage, it actually puts their personal information and even all social relationships on it." Andy said.

Although many "ID loan" platforms skillfully apply the name of "mobile phone recycling" under the guise of "rental" and "repurchase", experts say that the reality of their lending is beyond doubt.

Chen, a senior partner of Shanghai Huarong Law Firm, said that many "ID card loans" are essentially usurious. According to "Several Opinions of the Supreme People's Court on Further Strengthening Financial Trials", if the borrower of a financial loan contract requests to reduce the annual interest rate by more than 24% on the grounds that the expenses such as interest, compound interest, penalty interest and liquidated damages claimed by the lender at the same time are too high and obviously deviate from the actual losses, it should be supported. Most "ID loans" take a 7-day cycle, and their annual interest rate actually far exceeds the reasonable upper limit of 24%. "If the other party asks for repayment at an annual interest rate of more than 24%, its claim will certainly not be supported by the court."

In fact, a large number of lenders have long been divorced from the legal track, and collection methods such as "exploding the address book", "revealing personal privacy" and even "defaming and damaging personal image" have emerged one after another.

In an interview with reporters, the relevant regulatory authorities said that for cash loans such as "ID card loans", relevant departments need to strengthen cross-departmental and cross-regional cooperation and supervision; We should continue to intensify the crackdown on "beheading loans" and campus loans. Citizens and students should also raise their awareness of financial risk prevention and stay away from cash loans. Previously, China Internet Finance Association also suggested that some institutions or platforms "change their vests" and continue to issue loans in disguise, such as mobile phone leaseback, false shopping and resale. Consumers should be vigilant, carefully choose institutions or platforms that provide loan services, and rationally handle loans.

"As a borrower, try not to touch loans beyond your repayment ability. This is the most effective way to protect yourself." Chen said, "But if it is collected maliciously, the victim should first pay attention to collecting evidence. In addition to photos, screenshots and so on. It is best to retain evidence through notarization and seek the help of public security organs. "