How to be cheated by renting a plane to cash out?

"Rent a plane, rent a plane, take orders all over the country, everyone takes a mobile phone, regardless of anything, there are ID cards and bank cards." Recently, such advertisements began to appear frequently in forums and exchange groups where my brother gathered.

Recently, in the circle of friends of loan intermediaries, screenshots of successful taxi cashing have been frequently exposed.

"Rent a machine to cash out, mainly for users who have spent big data and can't afford loans."

During the epidemic, it is difficult to make a living, and renting a plane to cash in has become a means for financial intermediaries to extract "surplus value" from users.

Some rental platforms with loose risk control audit have become "fat meat" in the eyes of intermediaries.

Get 6500 yuan, and repay more than 1 1000 yuan.

With the efforts of Internet giants such as Alipay, WeChat and JD.COM in the field of credit life, credit leasing has gradually appeared in people's lives.

Take Alipay as an example, as long as the sesame credit score meets certain requirements, you can enjoy rent-free service.

There are also many kinds of things to rent, including mobile phones, digital products, clothing bags, jewelry and so on.

It is observed that users with sesame credit score above 600 can enjoy the free rental service for most of the above projects.

With the strengthening of supervision and the epidemic situation, struggling online loan intermediaries have turned their attention to rent-free mobile phones.

"Rent a machine to cash out, mainly for users who have spent big data and can't afford loans."

Take iPhone 1 1 Pro Max as an example. The user gets 6500 yuan after withdrawing cash, and finally pays 1 1000 yuan.

Experience the designated model of rent-free iPhone 1 1 Pro Max in the love rental machine. Choose to rent 12 months, and the monthly rent is 546 yuan.

It is understood that after the end of the lease period, users can choose three options: renewal, buyout and return.

In the process of cashing out by renting a mobile phone, because the rented mobile phone has been used for cashing out, the intermediary will recommend the user to choose the "buyout" scheme.

"The first phase 1 1 is 546 yuan. If the last issue is bought out, it will cost more than 5,000 yuan. " According to Zhou Xiaohui, the total cost is 1 1000 yuan.

In other words, if the annualized interest rate is converted, the annualized interest rate that cash users have to bear is close to 70%.

After receiving the mobile phone, the cash withdrawal user needs to send it to them for unified processing. "If the delivery is successful, it will be transferred to 3000 yuan. After delivery, the delivery number will be transferred to the remaining 3500 yuan. "

He often assures customers that in the process of withdrawing cash, there will be no service charge, and users do not need to pay any upfront fees.

"We mainly make money by differentiating products." Zhou Xiaohui revealed.

Although there are many types of rent-free projects, loan intermediaries are basically only doing mobile cash business at present.

Financial intermediaries will also specify the model when instructing users to cash out, "iPhone 1 1 Pro Max, 256G, dark gray."

"Order an Apple phone, preferably the latest one." A brother summed up his experience and said that the latest Apple mobile phone is the best to sell, and there is nothing to lose.

After getting the mobile phone, the financial intermediary will sell it through its own channels, thus completing the cash-out process.

However, the financial intermediary said that it is not convenient to disclose the specific liquidation channels.

Some old buddies who rent planes to cash out will not cash out through intermediaries, which is "not cost-effective".

They believe that in the process of cashing out, the value of the intermediary is mainly reflected in the cash-out link, and the leasing link still depends on itself.

In the process of doing business, we will ask the customer's age, sesame credit score and JD.COM score first, but this information is only enough for him to make a preliminary judgment.

"I still want customers to try first, can I waive it?"

But in fact, before giving advice to customers, Zhou Xiaohui will test the rental platform and test the platform that is easy to be exempted.

Some buddies teach experience. "In Alipay's credit living rent, try one by one, and the same business is directly skipped. There is always a deposit-free. "

For the realization of mobile phones, old buddies also have experience.

"Idle fish or mobile phone shop", my brother suggested, which price is appropriate and from which price. "The prices in mobile phone shops are generally cheaper than those on the Internet."

By comparing the official price of Apple's mobile phone with

"Intermediaries have their own outlets, and those who are in a hurry to use money may choose intermediaries." Brother revealed.

In the name of aircraft, the reality of phased consumption?

As early as 20 17, credit leasing began to rise and was regarded as a new consumer finance model.

From the perspective of user experience, there is no essential difference between credit leasing and ordinary consumption staging. They all pay the rent by the month.

The biggest difference between the two models may be more reflected in ownership. The former user has the right to use, while the latter is the ownership.

Like consumption staging, credit leasing will also carry out necessary risk control for users.

Sesame credit score, JD.COM small white score and WeChat payment score are the first thresholds for credit lease risk control.

In the intermediary exchange group, there are often intermediaries sharing the experience of renting houses, and there are also intermediaries counting sesame credit scores and return calls required by various rental platforms.

According to statistics, if the sesame credit score is above 600, you can enjoy the credit rental service of most existing rental platforms. Only a few rental platforms, such as Jimi, require a higher credit score for Sesame, and they need more than 650 points to enjoy the credit rental service.

However, this is only part of the sub-control link. The rental platform will further control users in the form of big data risk control and manual return visits.

"When reviewing, ask what machine you bought first, and then leave a contact person." My brother who answered the phone manually said.

Another brother added, "What the audit asks depends on the specific platform. Some questions are simple, and some questions are very detailed. "

It is precisely because of this that many old buddies may get a good sesame credit score even if their online loans are overdue or even have credit stains.

exist

Yes, this leaves room for intermediaries and old buddies to cash out.

"Return to the original road after delivery." After a brother revealed, the risk control of some rental platforms is not looser than that of consumption staging platforms. He has experienced the situation that the delivered machine was returned because it failed the second audit.

But there are also relatively loose ones. Through many brothers and intermediaries, the Consumer Finance Society learned that the current rent-free machine is a platform with high success rate.

"I won't take credit." When Zhou Xiaohui started his business, the first thing he recommended was to rent a plane.

Behind some credit leasing platforms, consumer finance companies provide financial support.

In September last year, when a user rented a mobile phone on the machine honey, he found it necessary to sign a Central Plains consumer finance-machine honey credit loan agreement.

The picture is provided by the machine honey user.

In addition, as a partner of the rental platform, the fun shop has also been complained by consumers.

In July last year, a consumer posted a complaint sticker in the black cat complaint, saying that in July 2065438+2008, he rented a mobile phone of Zhong Zhuochen digital merchant at Alipay Sesame Credit, and paid in twelve installments. After the expiration, the merchants asked consumers to pay the original price to buy out, which led to differences.

Consumers reflected in the later communication process that Chen Zhuo Digital did not come forward to communicate, but contacted the customer service of the fun shop in stages. In the reply area below the complaint, the customer service center will also reply.

The overlap between the credit leasing model and the consumption staging model is getting bigger and bigger, and the boundaries are getting blurred.

Credit leasing platform frequently falls into complaint storm.

At the beginning of the rise of credit leasing, it was once favored by the market and was favored by capital one after another.

However, after several years of development, most players in the market have begun to quit, and those who stay are frequently complained by consumers. It is worth mentioning that the content of complaining about the aircraft leasing platform is almost the same as that of complaining about the consumer finance platform.

According to incomplete statistics, among the complaints against aircraft leasing platforms, "violent collection" accounts for the highest proportion.

It is worth mentioning that the "collection" method of the leasing platform almost completely copied the collection of the gold consumption industry.

Another user said that he was bombed by SMS verification code. "It's as barbaric as online lending."

In addition to "violent collection", users' complaints about the rental platform are also concentrated on "disguised usury".

A screenshot provided by a complaining user shows that he rented a vivo mobile phone in Dianyuan, and the rental fee was 3 198 yuan, divided into 12 installments, but the monthly rental fee was as high as 362 yuan.

According to calculation, users need to bear an annualized interest rate of nearly 36%.

In addition, the high overdue fee is unbearable for most rental machine users.

Some users who love to rent airplanes reported that the 9-day overdue penalty amounted to 92,438+0 yuan due to the unpaid "cash amount" of 629 yuan.

"Rent, maintenance and recycling." Some employees said that credit leasing mainly relies on these parts to make money.

Experience shows that in addition to rental fees, some rental platforms also require users to pay accident protection fees, broken screen protection fees and other fees when renting aircraft.

All these make users unconsciously think of "beheading interest" and become "evidence" for users to complain about disguised usury on the rental platform.

Credit leasing seems to be following the footsteps of consumption stages.

In fact, for old buddies, the risk of renting a plane to cash out is actually great.

"If it is malicious overdue, deliberately set up a machine, hacking, etc. Will be sued by everyone. After the prosecution is over, the court will pronounce a sentence. If the execution is invalid, it will be included in the list of dishonesty and credited to credit. " Everyone has publicly stated that renting a plane.

Renren.com also revealed that if the above situation exists, it will also affect the user's Alipay credit rating. The most direct consequence is that sesame seeds plummet, and many credit-related services will also be restricted.

For example, the flower garden and the borrowing garden have been closed, and they can no longer enjoy the service of rent-free machines and bicycles.

But for the old buddies who are short of money, these do not seem to be enough to form a deterrent.

With the increasing popularity of cash-out business, a complete fraud leasing industry chain from renting a plane to dealing with mobile phones has gradually taken shape.

"A platform was robbed of thousands of mobile phones and lost nearly 10 million." According to the person in charge of risk control of a credit leasing platform, the bad debt rate of some platforms is as high as 10%.

There is a growing demand for cheating on rent and cashing in. I wonder who will be the next target of these rent fraud gangs?

Advise these brothers, don't blindly trust others, be chopped by leeks, and don't go back to the pit when they are already heavily in debt. Just start over and face the difficulties bravely. If you can't pay your debts before, negotiate the installment. Rob Peter to pay Paul will only get deeper and deeper, find a job, choose someone who is good at the industry and earn money to pay off debts. You still have a chance to start over after a long life!

Related question and answer: Does everyone rent a plane to check credit? People rent planes and don't check their credit.

Renren.com is a mobile phone rental platform released by Alipay, and there are many such loan slots in Alipay. Renren. com is definitely reliable. After all, the products released in Alipay are all approved by Alipay, and at this stage, many customers are applying for loans to get mobile phones. Although this rental loan slot stipulates authorized sesame credit points, the management method of sesame credit points is not strict, and many sesame credit points above 500 are successfully loaned to mobile phones.

Everyone who applies for renting a plane has to pay a small down payment, which is the same as the deposit that everyone often says. Even if the application fails afterwards, the deposit will be returned to everyone. After receiving the mobile phone, everyone refuses to rent it after the expiration, and can immediately return to the service platform and immediately buy out the contract. If they don't pay back the mobile phone afterwards, it will also cause serious damage to everyone's sesame credit score, and the negative information of sesame credit score must be recorded at the conference.