The first characteristics of routine loans are: attracting people with low interest and quick approval of high quotas; Criminals will buy a large number of phone numbers through some illegal channels and send short messages to all these numbers. What are the contents of the text messages? Congratulations on the 70 thousand grant. Click on the link to apply quickly? The content basically tells you that you can borrow a large sum of money quickly and cheaply, and tempt people who are in a hurry to use the money to be fooled. When the fishing net is cast large enough, there will always be one or two fish hooked. When you click on the SMS link and fill in your own information, then you will officially enter the routine loan.
The second characteristic of routine loan is that in the process of borrowing money, you are always asked for money in various names, such as various deposits, service fees, beheading interest, etc., or the principal is deducted. Then charge high interest in the name of default interest, deposit and liquidated damages, so that the total interest rate of your loan will reach more than 40%, which seriously exceeds the highest interest rate of usury stipulated by the state. However, the contract is low interest. Use this loophole to set a trap for the victims who are eager to use money, so that the victims can step into the trap set by themselves.
The third feature of routine loan is that the victim is deliberately allowed to create bank running water for various reasons, and the amount of running water is consistent with the loan amount. The purpose of this step is to deliberately confuse the police, let the police think that consumers have borrowed money, and define this incident as an ordinary private lending dispute.
The fourth characteristic of routine loan is that it intentionally induces the victim to repay in advance on the grounds that the interest is about to increase, and then accuses the consumer of breaching the contract and demands the victim to repay higher interest.
The fifth feature of routine loan is to introduce other lending companies to consumers when consumers are unable to repay their debts, and bring higher debts to victims with the same routine.
The sixth feature of routine loans is that when consumers are unable to repay their debts, they constantly intimidate consumers, harass the victims' normal lives, threaten the victims, disrupt the victims' normal lives by various means, make people overwhelmed and finally have a mental breakdown. Use the victim's unfamiliarity with the law to warn the victim not to call the police, because it was the victim's fault that made the victim afraid to call the police, so he had to bear it alone and finally collapsed.