How to avoid routine loans in online loans?

"Routine loan" killed 89 people. How can we avoid the routine in the loan?

Loan is a common phenomenon in our daily life. In order to ease the prohibition of funds, many people will choose various ways to borrow money. Before we know how to avoid consumer loans, the first thing we need to understand is why we are stuck in the loan routine. First, excessive consumption desire is an important reason why human beings lose rational consumption. Some people pay 3,000 yuan to buy 30,000 bags just to show their superiority and special status in front of colleagues. Second, some people dream of marrying into a rich family and never work hard. They never calculate the price, carry designer bags and step on limited edition shoes. I am dragging my scarred wallet and credit information, but I don't know what it means. I only found out when I was expecting a monthly salary. This is just a little money I owe in advance. This is the most suffocating operation. Third, start a business blindly. Nowadays, starting a business has become a favorite "job" for young people, because many people dream of being bosses, have a secret dream, have money and go home to honor their ancestors. To sum up, some criminals aim at these people because they have a strong demand for funds, which makes it easy for criminals to start. For example, being used by some people, the so-called joining and partnership is Ponzi scheme. We should admit that there are some successful people, but we can't deny that most of them are "dead" on the road. Of course, starting a business also needs funds. If you have no money, you can only borrow it. You are not afraid of any loan. You can keep it as long as you can. This is the way to step into the routine loan. Maybe a little money is badly needed, but I didn't expect more and more. This is a typical campus loan. Therefore, in order to avoid routine loans, we must be clear about why we lend, how to treat consumption rationally, and be cautious in the face of loans.

How to prevent online loans from cheating?

First of all, we should cultivate rational consumption habits, have good consumption behavior, stay away from peer-to-peer lending, and be vigilant when receiving customer service information from platforms such as "loan records during school", "affecting personal credit information" and "canceling loan accounts". Don't disclose personal information to others easily, such as ID number and bank card number. To guard against financial fraud, keep in mind the three "noes": don't believe, don't disclose, and don't transfer money. In case of financial fraud, collect relevant transfer records as much as possible and call the police in time.

Stay away from "routing loans", you need to pay attention to these points!

With the loan becoming more and more common in people's lives, the ways of borrowing are becoming more and more diverse, and the means of swindlers cheating money are also very novel, and some of them really test IQ, which makes people hard to prevent. Liars take advantage of people's lack of financial knowledge, the urgent need for liquidity, and the poor prevention of banks and regulatory authorities, and unscrupulously implement fraud activities in the name of lending. Borrowers will fall into this kind of "routine loan" as long as they are not careful. So what is "routing loan"? What are the routines of "routine loan"? What should I do if I encounter a routine loan? Let me give you a suggestion.

What is "routine loan"?

The so-called routine itself is an illegal means to escape the legality review. Conventional lending practices create a closed evidence chain by altering blank IOUs, creating running accounts, transferring loans to plain accounts, fictitious creditors paying in cash, charging interest in the name of others, maliciously creating facts of breach of contract, charging high fees, and collecting interest deposits in advance, thus inflating the amount of debts, avoiding judicial review of false litigation and illegal high interest rates, and seeking improper high interests.

What are the routines of "routine loan"?

1, creating the illusion of private lending

Solicit business in the name of "small loan company", use people's eagerness to borrow money to sign loan contracts with you, create the illusion of private lending, and defraud people to sign "inflated loan contracts", "yin-yang contracts" and real estate mortgage contracts in various names such as "liquidated damages" and "margin", which is obviously unfavorable to borrowers.

2. Leave traces of bank running water

Deliberately create the illusion that the borrower has obtained all the money borrowed from the contract.

3. Unilateral determination of breach of contract

Unilateral arbitrary determination of breach of contract, and demand immediate repayment of "false high loans."

4. Maliciously increase the loan amount.

When you are unable to pay, the other party introduces other fake "small loan companies" or individuals, or "plays" with other companies to sign new "false loan contracts" with you to "balance the accounts" and further increase the loan amount.

5. Blackmail "debt"

Lie that you will sue you in court or report your loan fraud to the public security bureau to achieve the purpose of sending money.

How to prevent "routine loan"?

1. Download the lending APP through the formal application market.

First of all, the download route is non-toxic, and there is no messy software such as plug-in binding. Whether it is an Android phone or an Apple IOS system, downloading unofficial software is dangerous. Don't see so-and-so loans and so-and-so money downloaded casually. Be careful when introducing friends.

2. Choose qualified formal financial institutions.

Choose formal financial institutions with loan qualifications, and don't believe false advertisements such as "no interest, no guarantee, no mortgage" issued by unqualified informal companies. Don't trust the unsecured loan that you take the initiative to find.

3. Pay attention to the calculation of total interest when lending.

Some small loan companies share the fees and management fees in order to hide people's eyes and ears, and the total interest is amazing. Therefore, the lender must calculate the total interest before applying for a loan. If the total interest exceeds 36%, this is a non-compliant loan unit.

How to avoid the loan being pitted? How do you know if your loan cost is high? Spending money on price comparison artifacts can help you. Use the price comparison artifact before lending to let you know which loan product is more economical!

Finally, I would like to remind you that if you are unfortunately caught in the "routine loan" scam, you should pay attention to taking up legal weapons in time to safeguard your legitimate rights and interests. Don't just swallow your words out of good face or under the intimidation of criminals, or even embark on a "no return" under great psychological pressure. The most important thing is to call the police, call the police, call the police! ! ! If you encounter violent collection such as telephone intimidation and knocking at the door at night, you should call the police as soon as possible. It is necessary to pay attention to retaining key evidence such as chat records and transfer records of both parties, and at the same time actively appear in court to respond to the lawsuit, so as to avoid the judge's inability to accurately define the real loan amount and thus affect the effective protection of his legitimate rights and interests.

Comprehensive arrangement from Dafeng, Xicai.com, City.com, the eye of the online loan.

What should I do if I fall into the online loan routine?

Customers caught in conventional loans don't have to worry too much, collect relevant loan information to save evidence, and then report the situation to relevant departments. Generally speaking, the legitimate rights and interests of customers can still be guaranteed. When you encounter routine loans, don't be confused. You can protect your rights and interests by legal means.

Generally speaking, conventional loans have the following characteristics:

1. The loan interest rate is opaque.

2. There is a loan service fee.

3. There is a loan guarantee.

4. Charge the loan agency fee.

5. There will be "beheading".

6. No loan qualification.

7. The main company can't be found.

8. General loan news is published online.

9. Deliberately create traps to make customers overdue.

10, collect unfrozen deposits.

When applying for online loans, customers should choose genuine lending institutions as far as possible. Although the genuine lending institutions are strictly audited, they are all in line with product design. Customers can effectively avoid conventional loans and safeguard their legitimate rights and interests. If they are not sure about the reliability of the loan, they can also try to change to another lending institution.