The problem of routine loan has a long history. Although we have been cracking down on routine loans, there are still many people who do not have sound financial knowledge. When users are short of funds, some users have problems with their personal credit, and there is no way to apply for formal loans from banks, so they will take risks and borrow these so-called conventional loans.
First, what is this thing?
This happened in Shanghai, and an old couple needed funds, so they found an offline loan agent. The couple borrowed 6.5438+0.5 million yuan, but when they repaid, they found that the debt had rolled to 7.6 million yuan. After repaying more than 2.8 million yuan, there are still more than 4 million debts. The husband and wife could not bear the harassment of the loan intermediary and chose to call the police.
Second, this product is a routine loan.
After the police arrived, they have arrested 14 suspects. This lending institution is actually an offline usury institution, which lends usury in the form of routine loans. After the police learned the basic situation, they found that the couple actually only got a loan of 6.5438+0.4 million yuan, while the service rate was as high as nearly 6.5438+0.00 million yuan. This loan product is not only suspected of routine loan, but also a usury product!
Third, the loan products that deceive borrowers through various tricks are all routine loans.
The routine loan we often say is not far from us, and it may happen around us. The characteristics of these conventional loans are very obvious: the application threshold is very low, the application process is very simple, but the real interest of the loans is very high. If the user needs a loan. I suggest users find formal banking channels, not so-called offline lending institutions and online lending products, otherwise they are likely to be cheated by routine loans! Behind the routine loan generally means usury, which will lead to many people going bankrupt.