Online loan, and signed a fax contract, asking for a deposit of 3 thousand yuan, which is not in line with the regulations. It may be a trap, so be cautious. If so, when the other party arrives, you can have nothing to be afraid of, and then you can respond to the lawsuit.
Is online lending credible? The secret of online loan scam
With the continuous development of the Internet, many things can be easily completed and solved with the help of the Internet. Shopping, buying meals, paying fees and even taking out loans. This article is about online lending. Is online lending credible? Is online lending safe?
Having mastered the tricks commonly used by swindlers, I believe that your tense nerves must be relaxed. However, in the market environment where deception is changing with each passing day and it is hard to prevent, the borrower can only succeed in lending if he finds a formal and suitable lending institution.
What scams will online loans encounter?
Loan scam 1: no mortgage required.
Many online advertisements say "no guarantee, no mortgage". They use these false advertisements to attract those who are in urgent need of raising funds and loans, and guide them into scams. This kind of fraudulent loan has almost no loan conditions, no mortgage, no guarantee, and the interest is extremely "reasonable". Is it really such a good thing to have no threshold? Borrowers should think carefully.
Loan scam 2: Pay first and then lend.
Generally speaking, formal lending institutions will not charge any fees before they successfully lend money, so if you apply for a loan online and the other party asks you to pay the fee first, then there is a 99% chance that you will meet a liar.
Loan scam 3: ultra-low interest rate loans
Compared with other lending institutions, this bank has the lowest loan interest rate. But even if the bank loan is the lowest, the small interest rate is around 8%. So if you apply online, the other party will say "30,000 to 65,438+10,000 yuan, and the interest rate is only 1%". I tell you responsibly that you have met a liar.
Loan scam 4: ID card loan
Mortgage loan needs collateral, stable job, floating salary and good personal credit to successfully apply. There is no such thing as a loan with only one ID card. If when you apply online, the other party says that you can get a loan with your ID card, then the other party is a big liar. Don't be cheated.
Loan scam 5: no need to meet and fax the contract.
Although online loans can submit application materials online, they usually choose to sign the contract in person in the end, so the other party says "no need to fax the contract in person", so you really have to think about it. Don't fall into the trap.
Although the network is omnipotent, it is virtual, so we should be more cautious when dealing with money-related problems through the network.
Is it true to sign the contract by fax online?
In order to prevent the security of all kinds of personal information, generally do not sign like this. To apply for a loan, it is recommended to consult the bank outlets, and do not apply online at will. If you want to apply for consultation, go to a website with better strength and more users (such as Alibaba's: Ant Microfinance).
Nowadays, many platform advertisements claim that they can borrow money online, but most of them are not safe and reliable, and there are even gangs that advertise to borrow money. In order to better consider all aspects, we recommend ant micro-loans that have been recognized before and serve better.
Knowledge about ant micro-loan;
The maximum loan 1 10,000 yuan, the longest term 12 months, the lowest daily interest rate of 0.042%, and the average monthly capital.
You can call extension 95 188. 2 to apply.
Pure credit, no mortgage, no guarantee.
The first time you apply for a loan provided by ant micro-loan, you can enjoy 3 days of no reason to refund interest.
There is no charge before getting the loan, and the charge is transparent.
Example of interest calculation:
Take the lowest daily interest rate of 4.2 ‰ as an example: the client Wang Boss borrowed RMB 65,438+10,000 on June 2, 20 15. Immediately after signing the contract on the same day, 654.38+10,000 yuan will be transferred to Wang Boss's bank card account and repaid in 12 installments. In the case of equal principal repayment, the principal of each installment is 8333 yuan, and the interest is gradually reduced. According to the actual use of the principal. (The above examples are for reference only, subject to the actual contract).
In case of prepaid expenses:
In case of prepayment during the loan period, 3% of prepayment principal will be charged as prepayment handling fee.
Beware of all kinds of fake loans and credit card information scams published online;
It is necessary to ask for "extra fees" before lending in the name of providing loans. Some loan companies may be real, but when searching for company names, the names in front of search engines are all the same, probably phishing websites or websites.
It is suggested that official website, certified by search engine, is relatively reliable (search engine certification will have the words "official website" with green or blue background behind the search title: 360 search for the words "official website" with green background, and Baidu search for the words "official website" with white characters with blue background.
Most of the information published online that you can get a loan or apply for a credit card as long as you have an ID card is a low-level scam. Don't believe it if the company is registered or not.
The swindler tricked the victim into signing a fax contract and concealed his fingerprints. Then he will cheat the victim step by step to pay the first month's interest, performance fee, deposit, insurance fee, guarantee fee, loan fee, notary fee, credit information fee, mortgage fee, card opening fee and so on.
In the name of insufficient bank flow, checking the repayment ability of the victim or capital verification, the victim is required to transfer all the funds in his account to the liar's account. Even the victim is required to apply for a bank card at a designated bank, and then bind the liar's mobile phone number and other low-level means. If the victim fails to pay the fees as required by the swindler, the swindler will threaten the victim to breach the contract in the name that the victim has signed a contract with them, and threaten the victim to compensate huge liquidated damages. This is really a low-level means and typical!
Please always remember, under any circumstances, don't send money or transfer money to others first to avoid being 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 not to believe such loan or card information released by various investment and financing guarantee companies and various microfinance companies on the Internet, especially such companies in large and medium-sized cities such as Beijing, Shanghai, Guangzhou, Shenzhen, Hangzhou, Kunming and Fujian, 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!
Excuse me, is it credible to sign a contract with online loan and fax?
All the information published on the Internet that you can get a loan or apply for a credit card only with your ID card is a low-level scam. Don't trust the company whether it is registered or not. The swindler will trick you into signing the fax contract and pressing your fingerprint, and then trick you into paying the first month's interest, performance fee, deposit, insurance premium, guarantee fee, loan fee, notarization fee, credit fee, mortgage fee, card opening fee and so on step by step. In the name of insufficient running water in your bank, checking repayment ability or capital verification, you are required to transfer all the funds in your account to the liar's account. If you don't pay the fees as required by the swindler, the swindler will threaten you to breach the contract in the name of signing a contract with them and compensate you for huge liquidated damages. This is really a low-level means and typical!
Hello, I borrowed money online, and the other party is from a different place. Is the fax loan contract valid?
It is recommended to do it in a local loan guarantee company or bank. Fax loan contract is risky.
Materials to be prepared for the loan:
1. Lender ID card;
2. The credit information of the lender in the past six months, and the credit information is good;
3. The bank card under the lender's name has been flowing for nearly half a year without interruption;
4. Lender's residence certificate (rental contract, real estate license, water, electricity and gas invoices for the last three months)
5. Income certificate issued by the lender's work unit.
Is it reliable to sign a contract by fax on online loan?
All the information published on the Internet that you can get a loan or apply for a credit card only with your ID card is a low-level scam. Don't trust the company whether it is registered or not. The swindler will trick you into signing the fax contract and pressing your fingerprint, and then trick you into paying the first month's interest, performance fee, deposit, insurance premium, guarantee fee, loan fee, notarization fee, credit fee, mortgage fee, card opening fee and so on step by step. In the name of insufficient running water in your bank, checking repayment ability or capital verification, you are required to transfer all the funds in your account to the liar's account. If you don't pay the fees as required by the swindler, the swindler will threaten you to breach the contract in the name of signing a contract with them and compensate you for huge liquidated damages. This is really a low-level means and typical!