How to prevent the occurrence of network routine loan?

1. Formal institutional loans. If it is inevitable to need loans, you should borrow from formal financial institutions such as banks. The loan interest rate of these institutions is stipulated by the state, and the loan behavior is protected by the state.

2. Don't believe false loan advertisements. When we need money, we may see a loan advertisement, promising not to charge interest, only to charge agency fees and service fees, so we hold the idea of giving it a try and finally fall into the quagmire of conventional loans. Keep your eyes open when lending, and don't trust loans that don't charge interest. Pies don't fall from the sky.

3. Seek the help of a lawyer. No matter how you borrow money, you'd better find a lawyer to review the loan contract to avoid unreasonable terms in the contract.

Characteristics of conventional loans:

1, very favorable conditions lead you to the bait:

It has to be a legal way to attract people. The way is nothing more than small loans, unsecured loans, convenient loans or even loans on the same day, which makes you feel that the lender's service attitude is very good and you can't refuse. But what you don't know is that the lender knows your personal situation very well.

2. Legal documents are seriously inconsistent with oral instructions;

It will definitely make you sign a contract that is seriously inconsistent with the facts. It will paralyze you through language, tell you that this is all business rules or company requirements, and dispel your vigilance.

3. Deliberately manufacturing evidence:

Will deliberately create traces of bank transfer, such as bank running water, blank contracts, receipts, IOUs, IOUs, and taking photos with money, and deliberately prove how much money you received from him, except for traces, most or all of the money was taken back.

In fact, you didn't get the money on the bank statement. This is a routine.

You played a play with them. There are all kinds of props in the play. After the play, everything was returned to its original owner, and you may have been given some money or even no change.

4. Deliberately let you default:

Step by step, make your loan bigger and bigger, and the unpaid interest will become the principal. The interest itself is outrageous and illegal.

People who borrowed 5,000 yuan have gradually become 50,000, 65,438+10,200,000, or even higher. In short, it is more than ten times, dozens of times. These are all in the name of legality, or lie to you that they are legal.

5. Form a chain of evidence:

Well, the above routine forms a closed loop, a chain of evidence. You borrowed his money, even if there is a loan contract and a bank account, you also broke the contract. It is difficult for ordinary people to see the flaw in the middle. Of course, there is another routine in the more complicated routine.

6. Force you to submit by means:

Here comes the means, intimidation, harassment, making trouble, house arrest, beating and cursing, which makes you stressed. Either you return it at a high price and pay off your debts with the house, or you will be sued and compensated at a high price. These means are illegal, such as intimidation, beating and cursing, and illegal detention. There are also laws, such as litigation.

The general feature is to introduce you into the urn step by step through a legal "routine" (similar to normal borrowing), give you small money legally and take away your big money legally. Everything is within the legal framework, so the judiciary may get stuck.