Is online loan safe? How to prevent online loans from being cheated!

1. Is online loan safe? How to prevent online loans from being cheated!

You can't make loans online, but the so-called loan lending companies you find online have to check them in person. If you can't see them online, you should go to them to see the business license and other procedures. Nothing is fake.

Second, how to prevent loans

Today, through the real case that this anti-fraud center successfully discouraged, we can see the essence through the phenomenon and recognize the true face of telecom network fraud.

1. Loan fraud

Ma received a customer service call from a loan company. Because he happened to have a loan demand, he installed a loan app under the guidance of the other party and tried to apply for a loan of 2, yuan. After Ma filled in his personal information according to the relevant registration process and paid the membership fee of 2 yuan, the other party said that he had lent money to the platform, but Ma has been unable to withdraw cash. At this time, the other party told him that the bank bound on the platform had entered the wrong number. At present, the account number has been frozen, and it is necessary to transfer 2% of the loan amount to unfreeze the account number. After the unfreezing is successful, the "unfreezing fee" will be remitted to his account together with the loan. Just as Ma was preparing to transfer money, the anti-fraud center monitored that Ma was experiencing it, promptly called in a dissuasion call, and analyzed the loan fraud routine in detail to prevent Ma from continuing to be cheated.

Deception:

1. Publish advertisements to attract people. Induce people to install fake mobile apps by opening web pop-ups and making internet phone calls.

2. Fill in the information and lend quickly. Ask the masses to fill in personal information and credit information, create the illusion of "regular loans", and pay a small amount of "membership fees" to release a large number of loans.

3. There is an error in the link and payment is required. The process of lending is not smooth, and there are procedural, procedural or technical errors. It is actually fraud to ask the people to pay a series of fees such as thawing fees, handling fees, certification fees and loan interest, claiming that they will be returned later.

Police tip: Loans need to be made through legal and regular financial institutions. Anyone who has to pay various fees before lending a loan must be a fraud!

Third, how to prevent online loans from being cheated

How to prevent online loans from being cheated:

1. The first move depends on the contact information. Online loans are not all handled online (except for a few loans such as Ali loans), and borrowers only need to talk to the borrowers after looking for loan institutions online. If the other party has been contacting you through the Internet, SMS, WeChat, etc. without meeting, it is generally a liar.

2. The second measure depends on the handling fee. Online loans are subject to handling fees, but the borrower will never be required to pay the handling fee in advance. If you ask to pay the handling fee in advance, it must be a liar's behavior. Don't believe it. When applying for a loan through online lending, the loan is generally issued first, and then the handling fee is deducted from the money for issuing the loan at one time or in stages.

3. The third measure is to see whether a deposit is required. After online lending, some fraud agencies will tell the borrower that the loan has entered the review stage, but they must pay the deposit or money to prove their repayment ability first. This situation is a liar and cannot be believed.

4. The fourth measure depends on the location of the loan.

Online loans are generally handled in the same city. If they are traded in different places, they must be liars and cannot be trusted!

Although online loans provide great convenience for loan customers, when handling online platform loans, you must keep your eyes open and use the above methods to test whether it is a regular online loan company. You can also directly click on the good loan network to handle it quickly.