Do I need to pay a deposit first for a loan? Telecommunications fraud revealed: new “loan” scam

Do you need to pay a deposit first for a loan? Telecommunications fraud reveals the new "loan" scam

Walking, driving, eating... the phone rings from time to time? The mobile phone number displayed is quite normal

I was afraid of delaying things, so I hurried Pick up.

The result was "Do you want to apply for a loan?"? "Do you have financial needs?"

I quickly blocked the number, but it didn't take long for a new number to call. , it is a fact that I have no money, but what I am more worried about is, are the people who call are all scammers? If you really want a loan, can you trust them?

Absolutely not. Who is in charge of the overall situation behind these unknown phone calls?

The answer is "black loan intermediaries" and scammers. Black loan intermediaries help some customers who are in urgent need of funds to package credit materials, apply for loans from banks, and then charge handling fees after the loan is successful. They are the legendary "middlemen" Businessmen make the difference.”

Not only does it greatly increase your loan cost, but the fake "loan application materials" they used during this period will become a tragic scapegoat once discovered by banks and other institutions. If you are a liar, then your loan journey will add a lot of troubles. If you are in urgent need of funds and get carried away, you will step by step fall into the trap carefully designed by the other party.

Asking for handling fees for various reasons

Mr. Zhang received a strange phone call claiming that he was doing quick loans and could provide loan services of 10,000 yuan.

Mr. Zhang was eager to get a loan and quickly filled out the application information. However, the other party told Mr. Zhang that he needed to pay a 6-point packaging service fee before an order number could be generated. Mr. Zhang did not distinguish the authenticity, and then transferred 600 yuan by scanning the QR code on WeChat to pay.

However, Mr. Zhang also found out that his loan amount had been frozen due to an incorrect account number, and the other party asked him to pay a deposit of 3,000 yuan... After that, the other party claimed that there was a problem with his personal credit and he needed to pay a fee to clear the bad credit. Mr. Zhang was asked to pay on the grounds that the credit and online consumption records were insufficient and needed to be refreshed.

In the end, Mr. Zhang still did not receive the loan, and then he realized that he had been cheated. Paying packaging service fees, deposits, and replenishment are actually relatively low-level methods, and the latest deceptive methods give people more reasons to send money to scammers

The balance of the wrong verification code was transferred

Ms. Transfer 20,000 yuan within.

Because Ms. Xue did apply for a small loan not long ago, Ms. Xue believed it and recharged 20,000 yuan into her savings card.

"You will receive a verification code later, report it to me, and I will operate it for you..." Afterwards, Ms. After reporting it to the other party, Ms. Xue received a text message from the bank, showing that the 20,000 yuan in her bank card was withdrawn in two installments.

Scammers come in all kinds of ways, so what should we do when we receive these calls?

Confirm the formality and legality of the lending institution

Before taking out a loan, you can do some research on the lending institution and look at the names of banks, small loan companies, and loan service platforms. Is the brand of the company a formal organization to avoid being fooled by black organizations?

Insist on following the formal loan process

Some people feel that they are "not suitable for banks" and do not apply for loans according to the routine. This undoubtedly provides scammers with space and opportunities to operate. Loans must go through formal procedures. I remind you again, beware of those who only sell loans online, over the phone, etc.

Don’t pay fees easily before lending money

Usually, financial institutions only charge corresponding fees after they start issuing loans. If someone asks for payment in advance, be wary!

// Be wary of the five major keyword locking scams involving loan fraud //

The Xiamen Anti-Fraud Center has sorted out recent cases involving loan fraud and compiled for the general public to identify such types of scams. Five key words for fraud.

01

Keyword 1: No mortgage required

"No guarantee, no mortgage required", use these false advertisements to attract people who are in urgent need of raising money for loans , leading people into a scam. This type of fraudulent loan has almost no loan conditions, no mortgage or guarantee, and the interest rate is extremely "reasonable".

02

Keyword 2: Pay fees before loaning

Generally speaking, formal lending institutions will not charge any fees before successfully lending. , so if you apply for a loan online and the other party asks you to pay handling fees and other expenses first, it is usually a scam.

03

Keyword 3: Ultra-low-interest loans

Compared with other lending institutions, the bank’s loan interest rate is the lowest. But even so, the bank's small unsecured loan interest rate will be around 8%. Therefore, when applying for a small loan online, if there is "small loan of 30,000 to 100,000 yuan, the interest rate is only 1%", it must be scam.

04

Keyword 4: Mortgage loans do not require collateral, only ID cards

Mortgage loans require collateral, and unsecured loans also need to be stable. You must have a job and salary statement as well as good personal credit to successfully apply. There is no such thing as just using an ID card to get a loan. If you apply for an online small loan and the other party says you can get a loan with your ID card, don't be fooled.

05

Keyword 5: No need to meet and fax the contract

Although you can submit application materials online for online loans, in the end you usually choose to sign the contract in person, so the other party Saying "there is no need to meet and fax the contract" is a scam, so don't fall for the trap.