Is it true that you sent a reminder message with an unsubscribe?

If the collection message received by the borrower contains the words "unsubscribe back to T" at the end, it is very likely that some commercial platforms send false messages in groups.

Because the beginning number segment of this kind of short message at the end is generally 106X, which belongs to the spare number segment of the three major operators and is specially used for mass short messages.

Many lenders like to send short messages with numbers beginning with 106X, so some criminals will take advantage of this loophole.

A truly formal collection message will definitely indicate the details of the borrower's overdue amount, loan time, overdue days and so on. Some text messages even indicate the borrower's loan contract number.

In addition to unsubscribing back to T-type SMS, if the borrower receives SMS messages such as "prosecution, court leaflets, uploading untrustworthy personnel, freezing Alipay, and saving cards", there is no need to panic, which are basically false SMS messages.

No one has the right to freeze any property of the borrower unless the borrower is really sued by the lender.

Even if sued, the borrower will receive a genuine leaflet mailed and stamped. In addition, the freezing of property is generally executed after the court issues a judgment.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out by means of loans, which can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income from this balance and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate on the principles of safety, liquidity and efficiency, and implement self-management, self-financing and self-discipline."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Repayment method:

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance by applying to the bank for instructions. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

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