Is the text message starting with 10682541 real?

SMS messages starting with 1086 are mainly sent through SMS service platforms by platforms that cooperate with mobile operators. Generally, text messages mention door-to-door collection or prosecution, which basically puts pressure on the borrower, but the possibility of such pressure is very low.

A loan contract is a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due. Among them, the party who borrows money from the other party is called the borrower, and the party who lends money is called the lender. Depending on the lender, loan contracts can be divided into financial institution loan contracts and loan contracts between natural persons. Both are typical contracts for transferring property ownership.

Legal Characteristics

A loan contract refers to a contract in which the borrower borrows money from the lender and returns the loan and pays interest when due. The borrower is the party who borrows money and can be a natural person, a legal person or an unincorporated organization. The law does not impose any restrictions on the qualifications of the borrower. The lender is a party that lends money. It can be a legal person that is a qualified lender, that is, a commercial bank, a trust investment company, or other financial institution approved by the People's Bank of China and qualified to operate financial businesses. Other civil entities can also conduct private loans. Also a qualified lender.

The characteristics of a loan contract are:

(1) The subject matter of the loan contract is currency. Money itself is a consumer object. Once used, it is consumed and the original object no longer exists. Therefore, after the borrower borrows the money and puts it into use, he can no longer return the "original" loan to the lender. When the contract expires, he can only return the principal and interest of the same currency to the lender;

( 2) The loan contract is a contract that transfers the ownership of the loan. Money is a consumable. In the loan contract, once the loan is delivered to the borrower, the money will be used and owned by the borrower, and the lender’s ownership of the money will be converted into the contract. Claim the borrower's right to repay the principal and interest of the loan during the period;

(3) The loan contract is generally a paid contract, and unless otherwise provided by law, interest will be charged to the borrower according to certain standards. Interest is the consideration for the borrower to obtain and use the loan, so the loan contract is a paid contract. If there is no agreement on interest or the agreement is unclear on a loan between natural persons, it will be deemed that no interest will be paid;

(4) The loan contract is generally a promise or mutual contract, and the requirements for an oral loan contract between natural persons are It is a practical contract.