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How to prevent the five "routines" of routine loan

4hw.com.cn: with the improvement of people's consumption level, the word "routine loan" has gradually come into people's vision, destroying many people's lives and lives step by step. Many people think that routine loan is usury, which borrows little money but needs to be repaid ten hundred times. In fact, it is not the case. Routine loan has evolved into a crime of fraud. Let's see the specific analysis.

What is arbitrage loan

The 'loan' of 'routine loan' is an excuse for the defendant to embezzle the victim's real estate and property, so 'routine loan' is the fact that the bank illegally occupies the victim's property in the name of 'loan'. The usurer wants the borrower to pay high interest and return the principal according to the agreement, in order to obtain the property of the victim.

For the joint crime of "loan by arbitrage", there is evidence to prove that more than three people form a relatively strict and fixed criminal organization, and the crime of "loan by arbitrage" is carried out in a premeditated and planned way. If a criminal group has formed, it shall be recognized as a criminal group. The essence of "routine loan" is a fraud in the guise of folk loan.

Five 'routines' of routine loan

One is to deduct high handling charges

Second, selling mobile phones:

This method is applicable to those who sign the mobile phone installment loan and think that the refund is less, and propose to want the mobile phone. Generally, suspects give 'contract machines' or' assembly machines' with market prices between 1000 and 2000. Once the victim raises an objection, the suspect will use many people to besiege, push, etc. to intimidate the victim to comply.

The third is to "hide the truth from the world and cross the sea" to cheat Loans:

Using the identity information of the victim's mobile phone, mobile phone and bank card, loan to the small loan company, and transfer to their own account, then delete the traces of the loan on the victim's mobile phone.

Four is' cash out by credit card ':

The suspect uses the victim's mobile phone to bind the bank card, and after raising the limit without the owner's permission, he uses the POS machine to swipe the cash out, and falsely claims that it is the loan that he helped the victim to handle, and charges a high handling fee for his ingenious name.

The fifth is' chain set ':

Once the victim raises an objection, the suspect will also intimidate the victim to accept the current situation temporarily and promise to use the first loan to improve his credit investigation. After three months, he can apply for a loan of 50000-100000 yuan for him without mortgage and interest free, and continue to look for opportunities.

According to the suspect, once the victim wants to call the police or ask for help from the industry and Commerce Department, they will return part of the funds to the victim appropriately, so as to calm down the situation and avoid the attack. At present, the case is under further investigation.

How to prevent 'arbitrage loan'

The victims in the "routine loan" cases are mainly young and middle-aged people between 20 and 50 years old. Most of the victims have real estate in their name, with poor self-control ability, irrational consumption, lack of legal and financial knowledge, and are easy to be cheated into the "package". In addition, most of the victims' bank loan credit is low, and it is difficult to obtain loans from formal channels. Instead, they use the unsecured lending information published on the street advertisements and Internet media, or are introduced by others to be deceived into borrowing. The victim's ID card, real estate card and the signed loan and loan contract are detained by criminal gangs, and their personal information and real estate address are also mastered by criminal gangs. Therefore, the most important thing to prevent loan arbitrage is not to be greedy and cheap, and do not believe that the world will lose pie.

In order to prevent loan arbitrage, we should pay attention to the following problems when handling Loans:

First of all, don't easily believe in the unsecured loans that call you on their own initiative, the same day loans, etc. The lender puts safety first, behind which is the original mortgage of your life, body, reputation, family, study, work, life, etc. How easy it is to borrow money, how hard it is to dunk.

At the same time, we should also understand some common sense of law. For example, according to Article 26 of the provisions of the Supreme People's Court on Several Issues concerning the application of law in the trial of private lending cases, which came into effect on September 1, 2015, the people's court shall support the lender who requests the borrower to pay the interest at the agreed rate if the interest rate agreed by both parties does not exceed 24% of the annual interest rate. If the interest rate agreed by the borrower and the borrower exceeds 36% of the annual interest rate, the interest agreement for the excess part shall be invalid. If the borrower requests the lender to return the interest paid in excess of 36% of the annual interest rate, the people's court shall support it. This knowledge is very simple, but it can help you identify many 'routines' effectively.

When signing the agreement, it is also necessary to carefully examine the relevant terms, and be careful not to incorporate them. Where there is any inconsistency with the oral agreement, it shall be rejected and the true meaning shall be written in the contract. A lot of people sign agreements without looking at them at all and sign them as soon as they hear from each other. This carelessness is also an important reason for the loss.

If the bank is unable to make loans, it will choose a licensed loan platform, such as wechat - Fanling wallet, wechat - rong360, etc;

If it is routine, the following measures should be taken immediately:

If it is found that it has been "loan by arbitrage", it shall immediately report to the police for record, and ask for help from the lawyer as soon as possible. At the same time, tell the relatives and friends around you not to hide because of fear or face.

Stop the loss in time after finding the problem, ask for the opinions of professional legal personnel and seek for remedial measures.

When no one can be found to repay, it is likely that the criminal suspect deliberately lets the victim break the contract, and should handle the notarial deposit in advance.

In case of violent collection, it is necessary to call the police immediately and take preventive measures and evidence collection work in advance if conditions permit.