1. Unsecured loan scammers often confuse lenders and gain trust in the name of "big companies" and "BCCHK", even in the name of some banks, well-known microfinance companies and financing platforms. Some loan scammers are in the name of the company, but they don't have an office address and can't even provide business licenses and ID cards. In this case, you can seek the industrial and commercial departments to verify the authenticity.
2. The more people who claim that the threshold is low, the loan speed is fast, and the interest is extremely reasonable, the more attention and prevention are needed. In addition, loan scammers often only leave mobile phone numbers, QQ and other information. Normally, they don't leave their landline and address. If so, it can also be verified according to the query.
3. Borrowers are often required to transfer money in advance to pay the deposit, handling fee, interest of the first month, etc. Contact the borrower after payment, but the other party has "run away" and can no longer contact. This kind of "loan" behavior usually does not sign any legal and formal contract before the transfer. Just chatting online, asking the borrower to pay a certain fee first. Must have a sense of security. If you encounter a liar, you should call the police to defend your rights at the first time.
Characteristics of formal loan companies:
1, loan product
The loan products of regular companies have strict regulations on loan objects, quotas, interest rates and uses. If anyone can apply for a loan product from a small loan company, the floating rate of the loan interest rate is too large (too low or too high relative to the bank interest rate), or the loan process and usage agreement are not clear, you need to be careful, because it is likely to be fraud.
2. Pay attention to the loan conditions
As we all know, the application threshold of small loan companies is much lower than that of banks, but it is not just an ID card that can lend. And we must be wary of loan advertisements with low interest rates or even non-repayment. Because there is no such thing as a free lunch, beware of being cheated.
3. Is there an upfront fee?
Formal loan companies generally do not charge fees such as margin and handling fees before lending, but only charge related service fees when lending is successful. If a small loan company only accepts a loan application and asks for a service fee, it is probably cheating, so be careful. Adhere to the principle of not borrowing or returning, so as not to be cheated.
4. Basic information of microfinance companies
Before applying for a loan, the borrower had better go to the office address of the small loan company for on-the-spot investigation. Focus on whether the company has a business license, fixed business premises, customer service hotline, etc. These are undoubtedly prerequisites for a formal company. If you can't go to the site to inspect this information, you can check the relevant information of the company through the industrial and commercial website, especially the registered capital and business scope. In addition, if the contact information of the small loan company is only the mobile phone number or QQ number, it is a liar in all likelihood.
5. Business office area
Generally speaking, regular microfinance companies have limited business areas and can only handle local business. And informal small loan companies claim to be able to handle national business. Although with the development of internet finance, geographical restrictions have been gradually broken, we should pay more attention to those small loan companies that claim to accept national business.
6. Is the credit manager a professional?
Formal loan companies have strict requirements for their credit consultants, especially the credit manager is not allowed to provide customers with packaging materials services. So if you choose a small loan company, the credit manager tells you that you need packaging materials with poor qualifications, but you need to pay a certain packaging fee. You must think twice about this. Because this will not only increase the financing cost invisibly, but also bear the risk of "loan fraud | fraud" as a borrower.
abstract
Not reliable. 1, unsecured loan scammers often use the banner of "big companies" and "BCCHK". 2. The more people who claim that the threshold is low, the loan speed is fast, and the interest is extremely reasonable, the more attention and prevention are needed. 3. Borrowers are often required to transfer money in advance to pay the deposit, handling fee, interest of the first month, etc. , and then contact the borrower after payment.