How to cheat loans

First, grants and interest-free student loans. There are many online platforms now, all of which are supporting platforms for online loans. Many platforms don't know where to get many students' personal information, so they tell each other that they can use interest-free loans to make grants and living expenses during college. If you agree, you need to provide ID cards, student information and so on. You think you got the loan without paying interest, but in fact, according to your information, the other party has applied for a loan for you on the platform, and the money has arrived, but high interest will continue to generate.

Second, the celebrity effect. Previously, many celebrity endorsement lending apps had problems, which also reflected that the online lending platform used the star effect as a usual trick. At least one platform is very reliable by signing celebrity spokespersons and then attracting investors to join. Moreover, nationwide advertisements are overwhelming, and stars and famous enterprises speak for them. For users, this is a useful sign of this product. In fact, there are countless traps and crises behind the lending platform. Even if the celebrity effect can play a temporary role, the problem will be exposed after a long time.

Third, high interest rate temptation and interest-free temptation. Many online lending platforms are p2p models. The biggest temptation for investors is the high yield of products, and then the platform collects money. Investors think that they have always had high returns, but in fact they have fallen into the trap. In the end, you will not only lose all your money, but also get into more trouble. For users, the lending platform attracts you to borrow money as much as possible, interest-free at first, interest-free in later stages and so on. Both attract you into his trap. Once you start borrowing money, there is no real interest-free.

Generally speaking, online lending has become very common in recent years. How to avoid stepping on thunder? The best way is to stay away from peer-to-peer lending, and don't blindly believe in tempting things such as low investment and high return, free lending and so on.

What are the ways to defraud mortgage loans? How do housing enterprises defraud loans by defrauding mortgage loans?

Housing enterprises cheat loans in disguise, and the government and society attach great importance to it. It used to be a very common hidden rule for enterprises to defraud loans through fake mortgages. What is fake mortgage fraud? How to realize fraudulent loans by calling travel to expose fake loans?

Housing enterprises cheat loans in disguise, and the government and society attach great importance to it. It used to be a very common hidden rule for enterprises to defraud loans through fake mortgages. What is fake mortgage fraud? How is fake mortgage fraud realized?

Types of false mortgage fraud

There are two main types of "fake mortgage".

One is that developers find employees, shareholders, relatives and friends of their own companies to pretend to be buyers and fill in legal documents such as pre-sale contracts, house purchase contracts, loan contracts and mortgage contracts. And these people sign personal housing loan contracts with banks to get loans, and once they make a profit, they get away.

The other is that the developer forged the borrower's signature and applied for a loan from the bank with fake procedures. If the developer fails to repay the loan on time, and the "contracted" borrower claims that the contract is invalid on the grounds that there is no real house purchase, the bank loan will face great risks.

How to achieve fake mortgage fraud?

The history of fake mortgage fraud is as long as the history of real estate development in China, but in the past, the market was booming, which was often manifested as a game of "empty gloves and white wolves", inciting the leverage of capital instead of fraudulent loans; However, behind the current check-out tide, the shady loan fraud in the real estate market is gradually being uncovered. According to the survey, fraudulent loans have gradually become one of the most harmful and frequent risks in personal housing loans of commercial banks.

Step 1: the developer borrows the ID card of the related party to handle the mortgage loan.

Developers find their own employees or some related people to pretend to be buyers, and then borrow their ID cards to apply for mortgage loans. The developer will promise them in advance that the down payment and monthly payment will be provided by the developer and will give them a "benefit fee" of several thousand dollars.

Step 2: Forge the income certificate and contact a lawyer to confirm his repayment ability.

Developers forge the income certificates of these people and contact relevant lawyers to issue legal opinions to prove that these people have the ability to repay.

Step 3: Contact the bank with false loan materials to get a loan.

The developer will hand over the loan materials to the bank, and some employees in the bank will contact the developers in advance. They will conduct a superficial review of the materials submitted by these developers to help the developers easily obtain 80% loans, because the developers will give them "benefits".

Step 4: After obtaining the loan, you will finally make a profit in two ways.

After developers get loans, they usually take two ways.

One way is to sell second-hand houses. Developers attract real buyers to buy second-hand houses through the illusion of hot selling, and will raise prices appropriately according to the illusion of hot selling, so that developers can make money by selling second-hand houses.

In another case, after obtaining 80% of the loan, the developer is not prepared to continue to pay the monthly mortgage, just waiting for the bank to apply for auction. Then make a profit by arranging a formal auction.

For example, a building, 100 households, each unit is worth 500,000. If the house is still in its own hands through internal subscription, the developer can get 50x70% = 350,000 yuan from the bank. The developer only needs to pay back 50,000 yuan, and the annual mortgage is more than 1 10,000, which is enough for 4 years. But the developer can hold 300,000 x50 =150,000 cash. And this cash is enough for them to pay all kinds of expenses and even roll into the construction of the next real estate.

Deceiving bank loans of 654.38+55 million yuan: the biggest fake mortgage fraud case in Beijing, Senhao Apartment case.

At the beginning of 2005, Beijing Senhao apartment project was exploded, and real estate developers and bank employees jointly made fake mortgages, defrauding bank mortgage funds of 750 million yuan, and then 10 people were arrested one after another. In September 2007, three bank loan workers involved in the case were sentenced for dereliction of duty of state-owned enterprise personnel.

In the case of 65.438+0.55 billion yuan, Zou Qing and others fabricated the sales facts of Senhao Apartment and Huaqing Apartment to defraud bank loans, which caused widespread concern.

The sales facts of fictional commercial houses in Senhao Apartment and Huaqing Apartment developed by the company are adopted. By signing a false commercial housing sales contract with the purchaser, forging the purchaser's income certificate, down payment certificate and other loan materials, he signed a personal mortgage loan inspection contract with Bank of China Beijing Branch in the name of the purchaser to apply for a mortgage loan, and defrauded Bank of China Beijing Branch of 644 million yuan and 654.38+0.07 million yuan twice.

A lawyer told reporters that the "karate" method of collusion between developers, banks, lawyers and fake buyers is widely used in the real estate industry: developers artificially raise housing prices, and then pretend to be customers with their employees and other related parties as buyers, and obtain high bank loans through false sales. Developers use inflated house prices as the benchmark proportion of mortgage, and put cash higher than actual house prices into their pockets.

The routine of developers and others defrauding loans is divided into the following three steps: the first step is that Huayunda Company fictionalizes non-existent property buyers and creates false sales facts. From the identity of the buyer, the sales contract, to the down payment certificate and income certificate, there are fakes. In the second step, the two law firms issued seriously untrue legal opinions to prove that the loan applicant has the ability to repay the loan principal and interest. The third step, the real power of the bank "ghost" internal response, loan approval without obstacles, fraudulent loans can be implemented smoothly.

With a good relationship with the bank, Zou Qing designed a thrilling jump. Senhao apartment, which was shut down for two years, suddenly opened in a high-profile manner, once setting a sales record at that time. Soon, Senhao apartment was sold out.

But the fact is, Zou Qing mobilized more than 200 people to buy houses falsely through a series of operations, and obtained a mortgage loan of 645 million yuan from China Bank Beijing Branch. In the Senhao case, the public prosecution agency spared the false buyers while being the top three main responsible persons. "The purchase contracts signed were all *** 199, and 250 houses were sold. None of them are true.

What is a loan?

The crime of loan refers to the act of making up false reasons such as introducing funds and projects, using false economic contracts, false certificates, false certificates of property rights as guarantees, repeatedly guaranteeing beyond the value of collateral, or lending a large amount of money to banks or other financial institutions in other ways.

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1, fabricating false reasons such as introducing funds and projects to defraud banks or other financial institutions for loans. This situation has occurred frequently in recent years. In Shanghai alone, there are dozens of false investments a year. Criminals usually forge huge sums of money from foreign consortia or "patriotic Chinese in the United States" and deposit them in banks on preferential terms to defraud bank loans and fees. In addition, many criminals fabricated investment projects with good returns and defrauded banks and other financial institutions for loans.

2, the use of false economic contracts from banks or other financial institutions loans. In order to support production, encourage exports and increase the value of limited funds, banks or other financial institutions sometimes issue loans under economic contracts. Some criminals forge or use false export contracts or other economic contracts with good short-term output rate, or loans from banks or other financial institutions. For example, the criminal Zhang forged a company's export supply contract, applied for a loan of several million yuan from a bank in Shanghai with a false contract, and absconded with the money.

3. Use false documents to make loans to banks or other financial institutions. The so-called supporting documents refer to the documents needed to apply for loans from the Bank-controlled Dominant Bank or other financial institutions, such as guarantees and certificates of deposits. For example, a company borrows millions of yuan from another bank by issuing false deposit certificates through the staff inside the bank.

4, using false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral, defrauding banks or other financial institutions for loans. The title certificate here refers to all documents that can prove that the actor has ownership of real estate such as houses or movable property such as cars, money and bills that can be redeemed at any time. For example, the criminal Zhang used the forged real estate license of a housing development company as collateral to defraud the bank loan of more than one million yuan.

5. Where banks or other financial institutions issue loans by other means, "other means" means forging the official seal of the unit or sealing it to defraud loans; Using counterfeit money as collateral to defraud loans; Borrow first and then use fraudulent means to refuse to repay the loan. The spirit of this provision is that no matter how the perpetrator borrows money, he should be investigated for criminal responsibility according to this crime.

The most comprehensive "borrowing" routine inventory, see any one, please stay away immediately!

With the popularization of early consumption concept and the rise of online finance industry, "loan" has become the first choice for many people who are in urgent need of funds. I often receive questions from fans, especially young fans: Is the online loan intermediary reliable? No guarantee, no guarantee, can the black hand company consider it? Is it okay to sign a loan with a formal contract?

1, the purest loan: payment is not a loan.

Zeng Congming is going to open a new fruit shop and needs 50,000 yuan urgently.

He saw an advertisement of "unsecured, unsecured, regular company, quick loan" on the Internet, and added the other party's QQ according to the contact information left above. The other party first sent a business license, introduced the loan requirements and signing process, and then sent an electronic contract for Zeng Cong to fill out-although we didn't meet, everything seemed so formal.

After the contract was approved, the other party asked to pay 5,000 yuan insurance premium in advance, on the grounds that it was beneficial to both parties to have an insurance company as a guarantee. After a while, he said that Zeng Cong was not qualified and needed to pay a deposit of15,000 yuan in advance, which would be fully refunded when lending money. After the payment, the customer sent a cash check of 70,000 yuan (20,000 yuan returned by Bao Zhao Wanshikuo) and a screenshot of the bank's transaction interface, but it still needs a service fee of 4,000 yuan to give the check.

In order to get the loan as soon as possible, Zeng Cong gave the other party 24,000 yuan, but he never waited for the cash check and was blacked out?

The secret of fraud: this kind of loan is called "pure fraud", that is, insurance premium, deposit, activation fee, service fee, etc. They are all collected in the name of low-threshold loans, but the last penny will not be given to you. The so-called cash checks and bank transactions are all forged in advance.

2. The most cross-border loan: check the running water and stolen brush.

Zeng Congming wanted to open a bakery and was in urgent need of 60,000 yuan. He decided not to pay all kinds of fees to the other party first.

He found a loan company online, and the other party sent him a link, filling in his name, ID number and mobile phone. It is normal to open the link. Zeng Cong did not hesitate to fill in.

The next day, the other party called and said that the results of the bank had been fed back, because the bank had too little running water to lend money. Unless you immediately deposit 20,000 yuan in another bank card at home. Zeng Congming felt that there was no risk in saving money on his bank card, so he went to deposit it immediately and told the other party the bank card account number and SMS verification code, so that the other party could feedback it to the bank.

After a while, Zeng Congming received a debit message of 20,000 yuan, which was hacked?

The secret of the scam: this kind of loan is mainly a cross-border crime of bank card thieves. They will collect your personal information first, and then let you transfer the money to your account on the grounds of capital verification. Many people think it is safer to transfer money to their accounts. As everyone knows, after they ask for your bank card account number and SMS verification code, they can take the capital verification money for themselves by stealing or online shopping.

3. The most aggrieved loan: being cashed out to pay back the money.

Zeng Congming is going to open a new snack bar and needs 30,000 yuan urgently.

When he was ready to go to the bank for a loan, he saw a sign saying "bank loan, quick loan". A clerk in a white shirt stopped him and asked him if he was going to the bank for a loan. There is no need to wait in line here.

Zeng Cong provided the ID card according to the requirements of the "shop assistant" and signed an application form. The "staff" agreed to lend 30,000 yuan after 15 days, but they had to pay a handling fee of 3000 yuan.

15 days later, Zeng Cong found the "employee". The clerk wanted to operate the once smart mobile phone. After a while, he really got 27,000 yuan in cash.

Zeng was smart and happy to go home, but a month later, he received a short message from the bank credit card center, urging him to repay the overdraft of 30 thousand yuan.

Secret of the scam: The swindler pretends to be a bank employee and set up a stall near the bank, claiming that there are internal channels to lend money quickly. In essence, he used your ID card to handle credit cards (collusion with bank insiders is not excluded). After the credit card application is successful, they will use your mobile phone to activate the credit card, and then use the POS machine to swipe the credit line, deducting the high handling fee. In fact, if you apply for a credit card yourself, you don't have to pay any fees at all.

4. The most regretful loan: being used and becoming a partner.

Zeng Congming is going to open a new mobile phone film shop, which urgently needs 20,000 yuan.

He has basically become a black account of credit, and neither banks nor online lending companies can apply for loans. At this time, he suddenly saw an advertisement: the latest account, regardless of black and white accounts, does not charge any upfront fees, lends money for two hours, and charges 10 points after success.

The other party claimed on QQ that it had mastered the latest loan loophole of Alipay and could lend money within 2 hours. Zeng Congming cooperated with him to provide photos of the front and back of his ID card, holding photos of his ID card, bank card and mobile phone number, and told him the SMS verification code several times. After some operation, the other party asked to wait for two hours. Two hours later, Zeng Cong found that it had been hacked.

Zeng Congming was glad that he didn't give money first, but after less than a month, two policemen found the door. It turned out that the other party registered Alipay with the real name of the information he provided, and then used it as a liar. Now he is a suspect.

The secret of the scam: the swindler takes advantage of the psychology that some people have low credit information, can't borrow money and are in urgent need of money, claiming that black and white households can borrow money. In fact, they use information to register various financial apps and companies, and then provide tools for other criminals.

5. The most incomprehensible loan: renting a car to become a defendant.

Zeng Congming wants to open an anti-fraud training class, and he urgently needs 65438+ 10,000 yuan.

He didn't find a loan agent from the Internet this time. Through the introduction of his wife's neighbor's third cousin's classmates and sisters, he met a loan intermediary who was said to be very powerful. The agent said that such a big goal needed a vehicle as collateral and instructed him to rent a car from a car rental company. Zeng Congming rented a car worth 65,438+10,000 yuan after completing the formalities in the car rental company.

After the loan intermediary got the car, Zeng Congming filled out an application form and agreed to lend money three days later. But after three days, there is no intermediary, and the car rental company is stuck at the door every day to be smart enough to return the car?

The secret of the scam: the purpose of the scammer is actually the vehicles of major car rental companies. After attracting people in the name of being able to handle high loans, they tricked lenders into renting cars as collateral and immediately drove to other places to sell stolen goods.

6, the most loss of loans: a loan, the car is gone.

After unremitting efforts, Zeng Cong finally got a car of his own. He wants to open a restaurant this time and needs 200 thousand urgently.

He wants to find a real loan company and drive his own car to get a loan, so he should not be cheated. He went to a car loan company, and the manager promised to lend 200,000 yuan, "only betting on cars", which did not affect the use of cars. I am so clever that I am ecstatic. After signing more than N loan contracts, Zeng Cong only got 6.5438+0.5 million yuan. The company said that according to the regulations, another 50,000 yuan is the handling fee and liquidated damages.

Zeng Cong paid back the money on time every month, but one day, he suddenly found that the car was gone. It turned out that the company said that he had violated the original rule that vehicles outside the Third Ring Road in the city could not leave and towed the car away. This car no longer belongs to Zeng Cong.

Zeng Congming went to the loan company to ask, and the company produced a Pledge Contract, which clearly stated that if Party B (Zeng Congming) violated the company's vehicle management regulations, Party A (the loan company) had the right to dispose of the vehicle.

Zeng Cong's eyes were black and he almost fainted.

The secret of the scam: This is an obvious "routine car loan". Liars first earn tens of thousands of yuan by charging high fees and liquidated damages, and then inadvertently let you sign a "pledge contract." A pledge contract is different from a mortgage contract. In case of default, the loan company can legally take it for itself. In practice, the loan company will always create various reasons for you to default.

7, the bloodiest loan: routine loan, ruin a lifetime.

Zeng Congming experienced a long rest and finally regained his courage to live. But he can't do anything without money, so he decided to take out another loan.

This time, he is going to find a formal company, sign a formal contract, pay no handling fee and drive his own car if he can't get the money, so he won't be cheated. As it happens, he received a sales call from a loan company, saying that he was "unqualified and unsecured" and could get a credit loan of 6.5438+0.5 million yuan. As a rule, there are more than a dozen contracts to be signed. Zeng Cong probably browsed it and found that it was all formal, so he signed it happily.

Loan companies are more trustworthy. After signing the contract, he transferred 6.5438+0.5 million yuan to Zeng Congming's account, and then asked Zeng Congming to give them 50,000 yuan, which was counted as handling fee and liquidated damages. Zeng Congming thought about it. These are all their money anyway. It doesn't matter if you give it to them.

Zeng Congming opened a small supermarket in the industrial zone after getting 654.38 million yuan. Unexpectedly, the business is very hot, and he can earn thousands of dollars every day. He paid interest to the salesman of the company on time every month according to the prior agreement (the company does not accept online transfer), but one day, he suddenly found that he could not contact the salesman.

A few days later, the company informed Zeng Cong that he had owed RMB 6,543,800+0.9 million and demanded immediate repayment. I was clever and puzzled. For convenience, he took out a previous contract, which said: if you don't repay on time, you will be fined 3% per minute. It turns out that others calculate interest by the minute. Zeng Cong wanted to go, but a lawyer told him that it was difficult for the loan company to win the case because of the transfer process and formal contract. In less than a month, Zeng Congming owed 6.5438+0.2 million yuan. The house is mortgaged, but it is not enough to pay it back. Every day, people block the door to collect debts.

Zeng Congming, desperate, walked on the top of the 47th floor of the loan company building one night?

The secret of the scam: This is an obvious "routine loan". Liars fix legal evidence by creating a bank flow and signing a contract, then deliberately create a breach of contract, so that you don't pay, and then charge a high penalty interest with the previously signed contract, often several months later. Will owe millions. When you get a high loan, you will embezzle all your property, vehicles and so on.

Solemnly remind: If you need a loan, please go to a regular bank or a well-known online loan company and make a loan according to formal procedures. And don't listen to various loan intermediaries and fall into the above loan routines. Once you confirm that you have fallen into a routine loan, you must call the police in time. Simply swallowing it will only increase your losses.

Conditions for defrauding loans

The crime of defrauding loans must meet the following conditions: 1. The actor has the subjective intention of deceiving financial institutions. It should be noted that the understanding of deception means should not be too broad, such as the actor fabricating false credit certificates, the use of funds, the value of collateral and other false materials. 2. Objectively deceive Xunshi to take loans or financial bills from financial institutions. Banks or other financial institutions only issue the conclusion that the amount of non-performing loans is formed, which should not be considered as the amount of major economic losses. 3. Causing huge losses to financial institutions. Article 175th of the Criminal Law, obtaining loans, bill acceptance, letters of credit, letters of guarantee, etc. Whoever defrauds funds from banks or other financial institutions by fraudulent means and causes heavy losses to banks or other financial institutions shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also be fined; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined. If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.

So much for the introduction of how to cheat loans.