How to borrow loan sharks from Zhanjiang?

Pay attention to or search around you and you will know that there are some loan companies or pawn shops. You can consult them and you will know that you can apply for a loan. There will be some enthusiastic loan intermediaries to receive you and ask about your personal qualifications, loan purposes and loan requirements. Generally speaking, this kind of loan requires very little application materials. You can get the loan smoothly with your ID card and simple proof, and you can wait until the loan is released after signing the loan contract. Many private loan companies are mortgage loans, and unsecured credit loans have high interest rates. In addition, many fraud companies are hidden and risky.

1. How about folk usury?

1. usury has a long history. In ancient times, there were people who specialized in this kind of business, and their reputation has always been very poor, mainly because most of the lenders have underworld backgrounds, and the bill collectors are idle people in society, and they demand your repayment through intimidation, injury, harassment or other threatening means. Not only will they be treated with violence, but their parents, relatives and friends may also be harassed, so many news broke out that their families were ruined because of owing usury.

In addition, the interest of usury is quite high, and the figures change rapidly the next day. If the overdue penalty is even more unbearable, it is estimated that only selling houses and cars can solve the problem.

Even if you are infected with usury, it is useless to call the police, because the police can help you mediate in economic disputes at most and let you go to court for prosecution. The act of calling the police may also anger the lender and harass you in worse ways.

Therefore, don't set foot in usury unless you have to. When applying for a loan, you need to know the lending institution in detail. When signing a loan contract, you should carefully check it item by item. Even if you borrow money from relatives and friends, it is best not to borrow usury.

Second, is it illegal for loan sharks to collect money at home? What about the debt collectors?

Generally speaking, private lending is a normal civil creditor-debtor relationship and does not involve illegality. Generally speaking, usury interest is relatively high, much higher than the bank interest rate. If the annual interest rate exceeds 36%, it is not protected by law.

It is not illegal for usury to collect money at home, except in the following cases, which is suspected of being illegal.

1. There is practical evidence to prove that usury infringes on the personal privacy of borrowers and their families, and there are acts of abuse, slander, threats and intimidation.

2. Go to the door to collect beatings and intentionally hurt the debtor;

3. Loan sharks use illegal detention, kidnapping, painting, extortion and other means. When they came to collect debts.

Once you encounter these behaviors, you can keep good evidence, call the police to protect your rights and interests at the first time, and then complain to the relevant departments.