Easy to get a loan. Is it a scam?

It’s a scam, so be careful with online loans.

“Easy loan” becomes “usury”:

“0 mortgage, 0 guarantee”, “1 minute to apply, 30 minutes to receive”, these are the slogans of some online loan platforms . The reappearance of "naked strips" has brought "online lending" back into people's sights. Compared with "naked loans" that use indecent videos and photos as IOUs, the "convenient and fast" loan procedures of many online loan platforms have also caused many users to fall into a vicious cycle of capital chains despite the convenience of borrowing.

At the same time, high handling fees, high interest rates, leaks of personal information and other behaviors also occur on these platforms. After several rounds of policy supervision, this kind of online lending under the banner of convenient consumption Where should the model go, how to guide people's consumption in a healthy way, and how to effectively supervise it, have become topics of concern to all walks of life.

If you search for keywords such as "online loan" and "loan" on software distribution platforms such as Wandoujia and Yongyingbao, dozens of online lending platforms will appear, which are unsecured, unsecured, fast and convenient. etc., are all promotional slogans of these platforms.

On QQ groups, WeChat and other platforms, there are many QQ groups and public accounts that clearly indicate lending. A WeChat public account called "Lightning Loan" claims that the loan can be credited in just 56 seconds, touting it as a "mobile loan tool" that can be applied with an ID card.

Registering with a mobile phone number, associating mobile phone bill usage records, ID card verification, avatar verification, Taobao or JD account verification, binding bank cards, etc. are similar application modes for these platforms.

The reporter conducted actual operations on the "Lightning Loan" APP. After completing the mobile phone registration in 20 seconds, he entered the main page, but was told that he had no credit limit and could not borrow money. Then follow the prompts to complete the association of mobile phone bill usage records, avatar authentication, identity authentication, online shopping record authentication, etc., and soon obtained a credit amount of 500 yuan.

Of course, if the personal information is more complete and there is more related information, the credit limit will be larger. The platform also has activities that can reward you with an increase in your credit limit by "inviting friends and successfully borrowing money." The credit limit can be increased to 1,000 yuan at a time, which can be stacked up to the upper limit, but the maximum limit is 10,000 yuan.

It is worth noting that the reporter filled in the contact information and home address at will, but it did not affect the loan.

The reporter borrowed 500 yuan from the platform, but only 448.5 yuan was actually received. The transaction confirmation information page shows that the platform charged a borrowing fee of 51.5 yuan. The loan items include a fast credit review fee of 5.4 yuan, a platform usage fee of 8.6 yuan, a special fund for quality assurance services of 8.5 yuan, an account management fee of 14.75 yuan, and a collection channel fee of 14.25 yuan.

In addition, users borrowing money from multiple borrowing platforms at the same time will not be affected. In addition to "flash loans", reporters also lent several hundred yuan each on platforms such as Jiedaibao and Ant Borrowing. Prior to this, many media reported that some college students were hiding from debts because they could not repay their loans on multiple online loan platforms. Tragedies such as dropping out of school, disappearing, and committing suicide even occurred.

Extended information:

Five major loan tricks:

1. Set up bait to fake the appearance of lending

Criminals use "quick lending" "No mortgage", "low interest and convenience" etc. lure borrowers, and when signing loan contracts and agreements, they use industry regulations as an excuse to trick borrowers into signing IOUs that are one or even several times higher than the loan principal, creating false impressions and setting the stage for subsequent "claims". "Debt" laid the foundation. Borrowers will be told that there is nothing to worry about, it is just a routine procedure, and normal repayments will not be affected, making people relax their vigilance.

2. Create traps and arbitrarily determine breach of contract

Illegal lenders use various means such as intentional loss of contact, phone failures, system problems, etc., resulting in borrowers being unable to repay normally on the repayment day , eventually expired. At this time, these lenders charge high late fees and handling fees in the name of default. If the borrower is unable to repay, he will be tempted to go to other lending platforms to "borrow new money to repay old money", and the principal and interest of the loan will increase like a snowball.

3. Deliberately leaving traces and inflating the loan amount

The illegal lender first transfers the contract amount to the borrower's account, and at the same time requires the borrower to cash out the inflated amount at the bank counter. Return the platform, leaving the superficial impression that "the bank statement is consistent with the contract amount".

4. Use clever names to induce unfavorable agreements

By playing word games, creating loopholes in the contract, and at the same time setting up "liquidated damages", "deposit", "intermediary fees", "service fees", etc. Under various pretexts, the victim is deceived into signing various contracts that are obviously unfavorable to the victim, such as yin and yang loans and real estate mortgages, causing the borrower to breach the contract and thereby illegally occupy the borrower's property.

5. Use both soft and hard tactics, and use soft and hard violence to collect money

Through so-called "negotiation", "consultation", "mediation", and "soft violence" methods such as nuisance, entanglement, noise, and gathering crowds to build momentum. Asking for illegal debts creates psychological fear in people. Some lenders use methods such as throwing paint at the door, picking door locks, following borrowers, etc. to intimidate borrowers, and even use violence to force borrowers to repay.

China Economic Net - "Easy loans" become "usury". How to supervise it?

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