Generally speaking, people who charge fees in various names before the loan is issued are suspected of fraud, because in formal loan companies, these fees are deducted when the loan is issued. So please be sure to find a regular loan company that "the loan is unsuccessful and does not charge any upfront fees".
False microfinance:
1. Charge the handling fee and interest fee before the loan;
2. Online publicity, the website is small in scale, and generally a secondary website established for individuals only has a mobile phone number and no formal contact information;
3. No relevant information of the company can be found on the website of the industrial and commercial department;
4. The so-called award certificates left by the website are all vague, and the actual content cannot be seen clearly;
5. Most of the pictures on the website are stolen from the existing well-known loan websites;
6. Generally speaking, it is claimed that the loan speed is faster and the loan amount is higher;
7. The commitment is lower than the interest of formal loan companies in the market;
8. The commitment to lend money to cities across the country is actually impossible to achieve;
9. Claiming to cooperate with the bank to lend money, but there is no such cooperative customer after communicating with the bank;
10. The mobile phone number of the left advertisement does not match the local city. Be sure to check more relevant information;
1 1. Ask customers to remit money to personal bank accounts;
12. Tell customers easily with little information. If it is approved, you can inquire about the account by phone.
13. Some retired employees of formal loan companies use professional knowledge to guide customers how to create false information to obtain more loan quotas, and then extort agency fees for successful loans;
14. Advance deposit and inspection fee;
15. promise to turn the customer's credit into a blank sheet of paper within a week as long as several thousand yuan;
16. The loan can be released on the same day after the full handling fee is paid;
17. Interest and handling fee can also be negotiated;
18. virtual phone has its own banking system, but please make inquiries through the regular banking inquiry system;
19. Build a website and a virtual system with a name very similar to the formal loan to start a business;
20. Take advantage of the urgency of college students' entrepreneurial psychology and lack of social experience to defraud the deposit or handling fee;
2 1.