Fake tenders are often perfectly packaged, and the initial code seems to be fine, even more true than the real tender. Borrowers should keep their eyes open and find doubts from the clues.
1, project information
Whether the borrower's loan information is clear and confidential, and whether all the information is consistent with each other, such as payment voucher, loan agreement (contract), mortgage contract, letter of guarantee, collateral related information, etc. Like some self-financing platform projects, loan information is often relatively simple and lacks substantive content. It is not a real loan, so there is no real and detailed loan information, and even the copy is out of shape.
At this point, it should be noted that different platforms have different information disclosure scales. When in doubt, you can ask the platform for more information. If the platform is not available, you need to pay attention. It should also be emphasized that this information does not mean that it should be completely transparent. On the contrary, a completely transparent person should be suspicious, possibly colluding with fraud.
2. Loan interest rate
If a normal enterprise can provide certain collateral, the annual comprehensive cost of short-term borrowing will not be too high. If the income to investors, platform management fees and guarantee fees are included, it is not normal for enterprises to use high-interest private lending for a long time. Be cautious about borrowing projects with high returns and long term.
3. Mortgaged subject matter
Whether to publicize the real estate license, vehicle registration certificate, driving license information, jewelry appraisal and evaluation information, and whether the three rural loans can be searched and queried? Whether to apply for mortgage registration (subject to the receipt of mortgage registration or other rights certificate), only after mortgage registration, the owner of the house can not sell or transfer, and can be given priority in future asset disposal. In addition, housing mortgage can only be handled with a real estate license, and the purchase contract cannot be handled with mortgage registration procedures. If we can randomly check the authenticity of the target on the platform website, the effect will be better.
4. Guarantee the goal
It is very important for a guarantee company to issue a written guarantee or sign a written guarantee contract, but the legal effect of merely verbally promising to provide a guarantee remains to be discussed. In addition, if the project is guaranteed by a small loan company or a guarantee company, the corresponding guarantee qualification, guarantee funds and the relationship with the platform should be clearly stated.
5. The number of borrowers is small, or there are often "standard tyrants".
The phenomenon of repeated borrowing by the same person occurs in many self-financing cases; Bidding is a long-term repeated bidding by several large households. These may be the platform's own vest account in cooperation with fake projects, creating popularity. This situation generally occurs on platforms that are not hosted.
6. Platform background
It is not easy for investors to participate in issuing fake bids, especially self-financing Often have a strong background and a good industrial base. Moreover, these industries have a great demand for capital, and they are often still in depressed industries, such as real estate, minerals, paper making, photovoltaic, steel trade and so on. Investors should pay attention to this. There are many platforms that are deeply involved in high-risk industries such as real estate, or are inextricably linked with these industries.