It's fake. It's all fake. Don't believe that a friend of mine was fooled. If I can deal with you face to face, it may be true, like those friends who let you make a payment first. Don't be cheated.
Extended data:
The development of the Internet has also made many people have the habit of opportunism, so it has also spawned many scams, such as the most powerful scam now. I don't know how many people have lost their families because of it, so how to prevent it? What should I pay attention to?
1 Understand whether the loan procedures are formal.
Generally speaking, if it is a formal loan, there will be very complicated procedures, and it will be approved after layers of review. If it is too simple to apply for a loan and even an ID card can be applied, it must be a liar.
2 Understand the background of the lending platform
There are many apps now, as long as you can borrow money on your mobile phone. Before borrowing money, you must first understand whether this platform is formal or not, so as not to be victimized.
3 avoid falling into high interest rates
Formal loans will not have high interest rates, but if you join the informal platform, you will fall into high interest rates. If you find it, you must call the police and take the law to safeguard your legitimate rights and interests.
4 Avoid exposing personal privacy
Some informal lending platforms, in order to better collect debts in the future, let themselves expose more privacy as collateral, such as personal address books. In order to threaten, such platforms must not borrow money.
5 avoid borrowing fees.
The formal lending platform will not charge fees. If some lending platforms directly deduct fees, such platforms are very informal and are liars. Don't trust them.
6 avoid the psychology of being greedy and cheap.
There are many people who always want to get something for nothing and always think that they are doing illegal business. Therefore, they can borrow money without change, but they are actually smarter than them. Since they dare to lend it to you, you can naturally repay it. Don't covet these advantages.
7. Improve vigilance against being fooled.
As the public, we should be prepared to guard against being cheated at all times, don't be careless in everything, and protect money and personal privacy.
8 Maintain a rational attitude of distinguishing between black and white.
As the public who are exposed to loans, we must always maintain a rational analytical attitude and conduct all-round research and investigation, which is the correct way, and we must go to the loan in a muddle, which can only harm ourselves.
9. Establish a correct loan attitude.
At any time, when we borrow money, we should not try to avoid interest, but must take the formal platform, so that our rights and interests can be guaranteed.
10 above to discuss and communicate with family members.
Be sure to discuss and communicate with your family before lending money to avoid falling into a scam because of the lack of ability to identify the quality of the platform.
Is it true that the IOU was signed in person?
Baidu's anti-alliance team specially reminded:
Please be alert to all kinds of fake loans and scams that deal with large credit card information published online! All information released by online companies and guarantee companies that you can borrow money or apply for a credit card as long as you have an ID card is a low-level scam. Don't trust the company whether it is registered or not. The swindler will cheat you to sign the fax contract first, and then cheat you to pay the insurance premium, first month interest, performance fee, deposit, guarantee fee, loan fee, notary fee, credit fee, mortgage fee, card opening fee and so on step by step. In the name of insufficient bank flow, checking repayment ability or capital verification, you are required to transfer all the funds in your account to the liar's account, or even to apply for a bank card at a designated bank and deposit a certain amount of cash, and then bind the liar's mobile phone number. I didn't know that this method would cheat all the money in your account. If you don't pay the fee as required by the swindler, the swindler will threaten to blacklist you and violate the contract in the name of signing a contract with them.
Please always remember that it is absolutely necessary for the other party to ask you to pay any fees in advance for any reason. Under no circumstances should you remit money, transfer money or pay any fees to others first, so as not to be cheated! Don't believe the threat of any liar. Because the other party is suspected, the contract signed with the liar has no legal effect and there is no so-called breach of contract. Low-level means that the liar's threat to pay liquidated damages is pure nonsense, don't worry.
Therefore, I would like to remind all netizens that the company cannot lend money across regions. Please apply for a credit card at a regular bank. Don't believe such loan or card information released by various online investment and financing guarantee companies and various microfinance companies, especially in big cities such as Beijing, Shanghai, Guangzhou and Shenzhen, which are basically liar companies! If you are cheated, regardless of the amount, please choose to call the police! So rampant, please also ask local public security organs to vigorously crack down on rectification!
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Intellectual heroes interested in anti-alliance, come and join the anti-alliance team. Please click on the anti-alliance application below to join, answer questions and help others together, so that the world can't cheat without you!
Can foreign housing provident fund be used to buy a house in Shenzhen?
Foreign housing provident fund can't borrow money to buy a house in Shenzhen. At present, there are four cities that support mutual recognition of provident fund loans in different places, namely Wuhan, Nanchang, Hefei and Changsha. In addition, other cities do not support mutual recognition of provident funds in different places for the time being.
Housing provident fund to buy a house to meet the application:
(1) Application conditions:
1, the identity is legal and valid;
2. Have full capacity for civil conduct;
3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;
4, purchase, construction, renovation, overhaul occupied housing;
5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;
6. Provide customer-recognized guarantee;
7. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;
8. Deposit conditions: continuous payment 1 year (full 12 months).
(2) Preparation materials:
1. Original and photocopy of the borrower's ID card;
2. The original and photocopy of the spouse's ID card;
3. A copy of the original account of the borrower;
4. Original and photocopy of the house purchase contract;
5, provident fund application form.
(3) Process:
1. Loan users should first consult the corresponding provident fund management department and submit the required information;
2, the provident fund management department for the first instance;
3. Review the guarantee qualification of the guarantee center;
4. Both parties sign the contract;
5. Pass all information to the handling bank;
6, with the loan conditions, loans.
Deep households, buying a house in Shenzhen, portfolio loans, provident fund in addition to provident fund loans, are there commercial loans?
The guarantee of commercial loans is a house; The provident fund is guaranteed by a guarantee company and must pay a certain fee.
Specific requirements and details:
Notes on handling matters Employees who meet the application conditions for provident fund loans can apply for provident fund loans if they purchase existing commercial housing in this city (* * * property owners are limited to spouses, children or parents). The employee is the applicant and the spouse is the same applicant; Parents of employees who participate in the calculation of the amount of provident fund loans shall become the same applicant; If parents do not participate in the quota calculation, they can become co-borrower. Location: Reception counters in Futian, Longgang and Baoan management halls of provident fund center, and resident counters of entrusted banks in each management department. The handling method is to make an appointment online first, and then go to the scene to handle it. The processing time is from 9: 00 am to 12: 00 am and from 2: 00 pm to 5: 00 pm (except legal holidays). Examination and approval by the center: within 5 working days after the application materials are complete; 2. Examination and approval by the entrusted bank: according to the regulations of the entrusted bank; 3. Signing the contract: within 5 working days after the approval of the Center and the entrusted bank is completed; 4. Lending: within 5 working days after meeting the loan conditions. Policies and regulations are based on Guarantee Law, Contract Law, General Principles of Loans, Measures for the Administration of Individual Housing Loans, Interim Measures for the Administration of Housing Provident Fund in Shenzhen and Interim Provisions for the Administration of Housing Provident Fund Loans in Shenzhen. Application materials for provident fund loan: (1) joint housing provident fund card (original); (2) Valid identification (original and two copies); (3) Married employees must provide marriage certificates (one original and one copy each); (4) Second-hand housing sales contract (one original and one copy each); (5) The original real estate license and a copy of the seller's ID card (one copy); (6) Proof of property inquiry of all family members of the loan applicant within 30 days (original); (7) down payment voucher (including the deposit receipt issued by the seller) and bank transfer document (one original and one copy each); (8) repayment account (debit card or passbook of the entrusted bank, one original and one copy); (9) The property inquiry form of the designated appraisal company (copy); (10) Non-local registered households must provide tax payment certificates or social insurance payment certificates (original) that have been in this city for more than 1 year; (1 1) If the parents * * * are the same as the applicant or * * * are the same as the borrower, the household registration book (original and photocopy) or the certificate of immediate family members issued by the public security department or notary office (original) shall be provided; (12) If the agent signs the sales contract, the notarial certificate (original) shall be provided; (13) If there are lease clauses in the sales contract, it is necessary to provide the statement of waiver of purchase right (original), the lease contract and the lessee's ID card (one copy) issued by the lessee; (14) Deferred payment certificate issued by the seller (original if necessary) (15) Other required information. 2. Commercial loan application materials: Submit relevant application materials according to the commercial loan requirements of the entrusted loan bank selected by the borrower. The application requires all loan applicants and repayment partners to personally sign relevant materials when handling business at the reception counter of the provident fund center, and cannot entrust others. Loan terms: 1. The applicant and the * * who participated in the calculation of the loanable amount of the provident fund loan have paid the housing provident fund in this city in full and on time for 6 months or more before the month of application, and the provident fund account was in a normal deposit state at the time of application (the account was sealed, frozen and cancelled as an abnormal deposit state). All loan applicants must have the ability to repay the principal and interest of the loan and a good credit status; 2. The applicant, * * and the applicant have no provident fund loans or have paid off the provident fund loans in this city; If one of the applicant's parents is the same applicant, the other party should also have no provident fund loan or have paid off the provident fund loan in this city; 3. The applicant has paid the down payment for the house purchase as required; 4. The applicant agrees to provide a guarantee that meets the requirements of these Provisions; 5. The loan application meets the requirements of national, provincial and municipal real estate market management policies; 6. Meet other conditions stipulated by the provident fund management committee. Other terms 1. Loan amount: the loan amount of the provident fund is 12 times of the balance of the provident fund account for calculating the loanable amount of the provident fund, and the following conditions must be met: (1) The total monthly repayment of loan principal and interest (calculated by the equal principal and interest method) shall not exceed 50% of the applicant's housing provident fund deposit base. * * * The participation quota calculation can be accumulated with the applicant's deposit base; (2) The amount of the provident fund loan is not higher than the difference between the total purchase price and the down payment; (3) Individual employees, the maximum amount of a single housing provident fund loan is 500,000 yuan. The applicant and * * * jointly apply with the applicant, and * * * jointly participate in the quota calculation with the applicant. The maximum amount of a single housing provident fund loan is 900,000 yuan. If the applicant or the same applicant fails to withdraw the housing provident fund for more than three consecutive years before applying for the provident fund loan, the loan amount calculated according to the balance of each person's provident fund account may be increased by 10%, but other conditions stipulated in the preceding paragraph shall be met. 2. Down payment ratio: if the first suite is purchased, the down payment ratio shall be no less than 20% if the building area of the purchased house is less than 90 square meters (inclusive). The construction area of the purchased house is more than 90 square meters, and the down payment ratio is not less than 30%; If you buy a second suite, the down payment ratio is not less than 60%. Buying three suites does not accept provident fund loan applications. 3. Loan term: the longest loan term of the provident fund shall not exceed 30 years, and the sum of the loan term and the actual age of the applicant when applying for the loan shall not exceed 70 years. 4. Loan interest rate: The loan interest rate of the provident fund shall be subject to the loan interest rate stipulated by the Ministry of Housing and Urban-Rural Development and the People's Bank of China. In case of interest rate adjustment during the validity of this contract, the new interest rate will be implemented at the beginning of each quarter and in the first month 1. The interest rate of commercial loans shall be implemented according to the policies of all banks. 5. Repayment methods: equal principal and interest repayment method and average capital repayment method. 6. When applying for provident fund loans, the number of housing units shall be calculated based on the applicant and the number of housing units under the applicant's name. Family members include husband and wife and minor children. The related form "Shenzhen Individual Housing Provident Fund Loan Application Form" 1. Please provide complete application materials at one time when handling business. 2. Please select the entrusted bank of provident fund loan in advance before handling the business. 3. The approval of commercial loans in provident fund portfolio loans shall be implemented in accordance with the credit policies of various banks. 4. When the loan applicant accepts the loan application at the counter of the service hall of the provident fund center, the handling personnel of the provident fund center will evaluate the transaction property through the entrusted bank selected by the applicant, and determine the recognized value of the property according to the principle of lower transaction value or evaluation value. The official appraisal report issued by the appraisal company is one of the prerequisites for the provident fund loan, and the appraisal fee shall be borne by the applicant. 5. The down payment (including down payment) shall not be less than 50%, which shall be used for the supervision of bank funds. 6. If the purchased property has been transferred to the name of the applicant, the application for provident fund loan will not be accepted. 7. If the housing provident fund policy changes, the new policy shall prevail.