Zhilian Finance sent me a short message. What's the situation? What's your name?

If the message is to remind you not to cash out the loan, there are generally two situations. The first is that your name is in the database, which is just a general reminder; Second, your identity information was used for loans, and there was an abnormal transaction. You can call the customer service phone of Zhaolian Finance for consultation first. The national service hotline of Zhaolian Finance is 95786, and the working hours are from 8 am to 5: 30 pm.

Common methods of loan cashing

There are three main ways:

1, virtual car purchase form. That is, the loan applicant applies for a loan in the name of buying a car by himself or colluding with a 4S shop or a car sales company through an intermediary. After the money is deposited in the account of the car dealer, the handling fee agreed before is deducted, and the balance is returned to the applicant's account. The whole process is only a virtual car purchase contract and down payment (if necessary), and there is no transaction transfer of the car.

2. In the form of virtual decoration loans. That is, the lender applies for a decoration loan from the bank, but the actual purpose is not to decorate, but to return it to the lender's own account through the credit card machine or account of the decoration company after deducting the handling fee.

3. buy a house and cash out. This involves a lot of money. Generally speaking, after the applicant successfully applies for a mortgage by paying the down payment across the bridge, he will set up funds through the owner's loan, monthly payment and second mortgage.

Loan cashing risk

Cash loans are terrible.

Because in general, the amount of loans is large, and if there is fraud, the greater the loss. It is not difficult for us to see such a case in news information or online post bars, that is to say, what was a good virtual car purchase turned into a real car purchase after the loan came down. Lenders not only can't get the loan funds, but also increase the debt burden and get back the assets they don't need (many of them are luxury cars). Even if it is sold again, it has become a used car with serious depreciation.

In addition, in order to obtain more loan funds, lenders often acquiesce in the increase in prices of car dealers in partnership. In other words, after becoming a real transaction, the applicant can only buy a car at a high price.

Of course, this is "lucky" compared with some swindlers who cash out decoration loans. After all, there is a luggage case in his hand. If the decoration loan is cheated, it is empty-handed.

The cash-out mode of buying a house seems to be relatively safe (having a house in hand), but it contains huge leveraged debt risk and multiple financing costs-mortgage is a debt with interest, credit loan (owner's loan or monthly payment) is also a debt with interest, and both mortgage loans and debts have to pay interest.

If the above risks are just breaking money, then the legal risks arising from these cash withdrawals are likely to put the applicant in jail.

Undoubtedly, whether it is a virtual car purchase or a virtual decoration loan, it is very likely to involve fraudulent loans. According to the law, the maximum penalty for fraudulent loans is life imprisonment.