Icbc loan scam

Interest-free loans exist.

Student loans, entrepreneurial loans and agricultural loans for specific groups launched by the government or banks; Another possibility is financial fraud. To attract borrowers through interest-free loans, you need to pay a fee before you can get a loan. In fact, the loan company does not exist at all. Finally, the borrower could not get the loan and lost money. Therefore, the application for interest-free loans must go through formal channels to avoid being deceived.

1) There are interest-free loans. Government student loans, commercial loans and agricultural loans are all interest-free loans, but these loans are for people, and only qualified people can apply.

2) Banks or other financial institutions may offer zero-interest loans from time to time, but the conditions are very strict, and those who are rejected must account for the vast majority.

3) The most common is the interest-free car loan. In order to promote sales, some dealers will offer zero-interest loans to buy cars. Although there is no interest, they need to pay various fees and management fees, and collect relevant fees in disguise to profit from it.

Note: if you need a loan urgently, don't trust an interest-free loan easily because you are greedy and cheap, in case you are cheated. It is recommended to choose a bank or a formal and large-scale institutional loan when lending.

1. Definition of interest: refers to the means by which the lending institution controls risks, and generally does not exempt the borrower from interest. Those institutions that claim to be interest-free loans actually pass on the interest, and the hidden fees and management fees may be.

2. Interest-free loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them, in which the interest rate is provided free of charge by banks or paid by the government or corresponding institutions according to agreed conditions.

3. It is recommended to apply for loans through formal channels, and generally choose banks or large institutions. Taking the Agricultural Bank of China as an example, the basic conditions for applying for a loan are:

At least 18 years old and generally not more than 60 years old, with People's Republic of China (PRC) (PRC) nationality and full capacity for civil conduct; Hold legal and valid identity documents.

We are e-banking customers and hold the security authentication tools issued by our bank. Credit status is good. There is no outstanding amount of NetJet loan and no outstanding balance of NetJet loan. Stable income and the ability to repay on schedule.

7) The purpose of the loan is reasonable and clear.

What should I do if the industrial and commercial e-loan is cheated?

. Keep the evidence of the cheated money and call the police in time. If the amount is relatively large and is suspected of committing a crime, he shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and may also or only be fined. All property illegally acquired by criminals shall be recovered or ordered to make restitution.

Kissing, Article 266 of the Criminal Law of People's Republic of China (PRC), if the amount of public or private property is relatively large, it shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and shall also be fined or confiscated.

Is ICBC loan e a liar?

No, "Rong E Loan" is the personal credit loan brand of ICBC, which refers to the unsecured and unsecured RMB loan issued by ICBC to borrowers who meet certain conditions for personal legal and compliance purposes, and the funds will be transferred to the debit card account specified at the time of application.

Please log in to e-life, and through the "Selected" section, select "Financing e-borrowing for emergency use-financing e-borrowing for immediate return" to apply for financing e-borrowing. Please refer to the system display for details such as processing, loan amount and interest.

Recently, some criminals made a fake APP(v3.4.2) of "ICBC e-loan", pretending to be ICBC staff to promote the products of "ICBC e-loan" to customers, and defrauded customers' funds through the fake website in the SMS link. At present, ICBC has reported to the relevant state departments to ban the relevant websites involved in counterfeit apps.

If you have disclosed personal information such as cards, passwords and certificates when applying for the bid, in order to ensure the safety of your funds and personal information, it is suggested that you stop paying, report the loss, open and modify the passwords of the relevant cards as soon as possible. At the same time, please report the case to the public security organ as soon as possible, and ICBC will cooperate with the public security organ to handle it accordingly.

Introduction: "Ronge Loan" is a personal pure credit loan for small and micro business owners and individual industrial and commercial households for their production and operation.

Many banks push preferential interest rates. "Financing e-loan" is an unsecured, guarantee-free and pure credit personal loan business launched by ICBC for individual customers. Around the Spring Festival this year, many branches of ICBC announced that the annual interest rate of "financing e-loans" was 4.35%, which was even lower than that of individual housing loans. However, the "white list" system is implemented, only for employees of public institutions, state-owned enterprises and financial institutions. The interest rate recently offered by China Merchants Bank is as low as 3.96%. Beijing Youth Daily reporter saw on the China Merchants Bank APP yesterday that China Merchants Bank will launch a lightning loan "cash withdrawal ceremony" on June 22, with a minimum interest rate of 3.96%. Of course, customers who can participate in the activities must also meet certain conditions.

Is the loan from ICBC's channel department true?

No, because there are many people in the market who call themselves guarantee companies to recommend loan business to borrowers, and some people who call themselves banks are the staff of the bank channel department. This is all, so the loan from ICBC's channel department is not true.

So much for the introduction of ICBC's loan scam.