How can we prevent being cheated by online loans?

When you borrow money, you must keep your eyes open and don't be deceived.

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Open a website under the banner of a professional company.

Such websites often use the names of "loan companies" and "investment consulting companies", and sometimes the words "there are agencies all over the country" appear on the websites, with the purpose of packaging themselves and further defrauding the trust of SME owners. However, if you carefully observe such websites, you will find that they generally leave no landline and address, only mobile phones or QQ, even if they leave an address, they can't stand careful inspection.

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"Unsecured, Unsecured" and "Same Day Loan"

In many "online loan scams", attractive slogans such as "unsecured, unsecured" and "lending on the same day" often appear. These slogans hit the heart of the vast number of business owners and individuals who are in urgent need of funds. Generally speaking, the reason why the project party is rejected when seeking formal loan channels is often that there is no good mortgage assets or guarantee. In this kind of scam, once the small and medium-sized business owners are hooked, they need to pay a certain fee and deposit. Before the loan, "because there is no need for guarantee and mortgage", some even require to pay interest for a certain period in advance.

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Pretend to be a formal institution

Some fraudulent companies highly imitate the websites of well-known lending institutions, which is extremely deceptive. The pages of these fake websites are often similar to those of regular lending institutions, and their domain names are only one or two words apart from those of regular lending institutions. Most project parties need to be more cautious when making inquiries.

When we need a loan, we should pay attention to:

First of all, we should understand the loan fraud and form a correct understanding, that is, in the formal loan business, it is not allowed to charge in advance before lending. Borrowers should not easily show personal information to strangers, nor should they pay any fees in advance. Tightening your wallet is the last word. If it is difficult to determine the identity of the other party, you can ask the competent department of industry and commerce and finance to check the contact information carefully.

Secondly, don't blindly look for loan information. We should usually pay attention to the loan market. Only when financing is crucial can we be in danger. We can apply for loans through banks and formal loan service platforms. Even if we are looking for private financing, we should keep the principle of lending first and paying interest later.

At the same time, first, when you need to apply for a loan, it is the only correct choice to apply for a loan from a formal lending institution. A formal lending institution is an open business place with public contact information and business license, and you also need relevant procedures when making a credit loan, such as the applicant's identity certificate and work certificate. 2. Banks and formal loan companies will not require borrowers to pay fees and other fees before applying for loans.