The complete works of jokes about loan fraud

You often walk by the river, how can you not wet your shoes ... Even if you are a Jianghu knowledgeable person, you know astronomy above and geography below, and you are familiar with the gossip of the earth, but there is a saying that "there are mountains outside the mountains, but there are people outside the people". As for these pits in the loan circle, whether you are a hundred Xiao Sheng or a divine operator, they are basically impossible to prevent. ...

Routine 1: Black households can also borrow money.

I ran to several banks and didn't get the money. I registered several online lending platforms, but all the loans were rejected. At this time, if someone pats his chest and says that he can help eliminate bad credit information, even black households can borrow money. Does it feel as warm as charcoal in the snow? It is precisely by grasping the psychology of these people that scammers cheat loans. To be sure, formal lending institutions will not lend money to black households. Generally speaking, most people who are willing to lend are private loans in professional cloaks. Nine times out of ten, it is a usury trap. At that time, although the lender succeeded in lending, the cost of the loan was huge, and even the final interest was more than the loan principal, and his family was also facing the risk of debt collection.

Routine 2: Only ID cards can be used for loans.

I believe you are familiar with these words, such as "you can get the loan on the same day with your ID card" and "you can borrow up to 200,000 yuan without mortgage or guarantee". Whether on bicycle sharing or on telephone poles, such advertisements can be seen everywhere. This is definitely a great temptation for people with poor qualifications and in urgent need of money, but is it really a trustworthy lifeline? In fact, these advertisements just shout empty slogans, and most of them are already designed traps, just waiting for you to step on them. After you express your willingness to lend to them, you need to pay the introduction fee, handling fee and deposit first. After the payment, I told you that you would get the loan in a few working days, and then they went out of thin air and lied to you.

However, if you want to apply for a high-amount loan in a formal financial institution, it is not as simple as providing an ID card. Your real estate, car, salary, provident fund, only provide these certificates that can reflect your financial resources and credit, formal lending institutions can lend you money, and free lunch is only an illusion after all.

Routine 3: Help you wash your credit information.

Many people's loans were rejected because of overdue credit stains, so the scam industry of "credit whitewashing" was born. The relevant departments have come out to create rumors in this regard, and it is simply unrealistic to eliminate credit stains at will, so don't trust those who say that they have wide channels and that someone inside the bank will help you eliminate bad credit in minutes.

As we all know, credit information has a great influence on applying for credit cards and loans. Most of the formal loan platforms have extremely high requirements for credit reporting, and users with poor credit reporting are basically sentenced to refuse loans. The swindler just takes advantage of people's psychology of trying to whitewash their credit information. These scammers claim that someone in their bank can help clean up credit information, but they need some money to get up and down. Not only will you not be able to borrow money, but you will also be cheated out of it.

Routine 4: Pay a three-minute deposit first.

The application has been submitted for several days and there is no news at all. I'm anxious! After all, the purpose of applying for a loan is to understand the urgent need, which is good. When the loan comes down, the day lily will get cold. ...

At this point, if someone tells you that you can pay the 300 yuan deposit within three minutes, will you pay it or not?

If you pay the money, it is impossible to make the next payment within three minutes, but there is a great possibility of being blacked out by the other party. This IQ tax has been paid, and there is nothing wrong with it.

Routine 5: 700 loan 1000.

Many platforms claim 0 interest and 0 handling fee. To tell the truth, this serious nonsense is really admirable. Lend me money without charging a dime. Are you stupid?

In fact, in this case, the platform charges in the form of beheading interest. The specific means of operation is to deduct loan interest, handling fee, management fee, deposit, etc. From the loan principal. For example, the loan 1 000 yuan will be repaid to 700 yuan in the next installment. Of course, after a week, you need to return it.

Hehe, isn't 300 interest deducted? In fact, the only principal borrowed is 700 yuan. Simple calculation:

Daily interest rate = interest/principal/loan days =300/700/7

Annual interest rate *360=(300/700/7)*360≈2200%

Nima, the annual interest rate is above 2200%, and your family's interest is so long. ...

Routine 6: Double refund for single refund

"Online shopping products have quality problems, not only can they be refunded, but they can also be double indemnity!"

2065438+2008 very popular "return to loan". Basically, they pretend to be customer service to call users, add WeChat and Alipay, and then induce users to refund. They actually induce users to take unsecured loans from the loan platform, and then cover other loans by scanning the code.

Taobao refund scam has a long history, but it only increases the channels of loans, so that victims can be cheated even if they have no money, and the degree of harm is even higher. Therefore, after receiving such a strange phone call, you must not be confused by the stuffing cakes falling from the sky, and you'd better refrain from eating them. Beware of being introduced into the online loan platform by the other party. The most important thing is that once a stranger asks for a transfer operation, nine times out of ten the liar will set you up.

Routine 7: "Yin-Yang Contract" Set a Trap

Not long ago, CCTV exposed such a loan fraud case: Mr. Guan borrowed 60,000 yuan from a small loan company, but actually signed a loan contract of 1.7 million yuan. Because of the cash flow, 60 thousand turned into 460 thousand, and he threatened to take his property!

In fact, we have always seen this routine: signing a yin-yang contract with the borrower, forcing the lender to sign a loan contract with a higher amount when the borrower is unable to repay, and what's more, letting the borrower use the house or car as collateral. In the end, borrowers often put all their assets into it, unable to repay the loan, and the real loan will be ruined.

Of course, the loan is far more difficult than the above, but the common ones are basically here. Babies who are short of money should use their brains when they want to borrow money. It may be difficult to turn over, and it is not impossible to lose everything. So, comrades, be careful!