Original title: 1.3 million loans transferred to strange accounts
It's hard to avoid capital turnover when doing business, but it needs bank loans. But is bank loans 100% safe? Recently, Ms. Wang's loan was transferred to a strange account, which caused concern. Why did she transfer the loan originally applied for by herself to another's account? What's the matter?
When we go to the bank to handle loans, we usually turn in the materials before the bank approves the loans. The loans are directly returned to my bank account. For a long time, the impression of bank loans is safe and reliable, but it's unexpected that Ms. Wang's loan to the bank happened a series of strange things.
Two months later, on October 30, the bank made a loan of 1.35 million yuan. Seven minutes later, 1.3 million yuan was transferred to a stranger's account. Then, the remaining 50000 yuan was transferred by the lender. Ms. Wang, who opened a beauty salon in Huai'an City, found the bank where she applied for the loan at the beginning. Not only did she not see the 1.35 million loan, but also paid back the bank's 480000 principal and interest. What's more, among the mortgages under her name, there were inexplicably more sets of mortgaged real estate.
According to Ms. Wang's mobile banking records, the reporter found that at 1:54 p.m. on October 30, the bank transferred 1.35 million yuan to Ms. Wang's special account for personal loan system, but it was strange that at 2:01 p.m. seven minutes later, 1.35 million of the 1.35 million yuan was transferred to an account called Wang Tianwei.
"I don't know Wang Tianwei, and I don't need a loan of 1.35 million yuan at all," Ms. Wang told reporters. Two months ago, she came to a bank to apply for a loan with her own real estate certificate of 107 square meters commercial housing purchased in 2004 and the business license of the beauty salon. She handed all the materials to manager Li, who was in charge of the loan. Manager Li said she would wait for the bank The bank only knows how much it can lend after checking. After signing a series of formalities, she will go home and wait for news.
"How can I loan 1.35 million?" Ms. Wang said that the market price of the 107 square meters commercial housing mortgaged by her is about 800000 now, and the beauty salon venue is also rented, so it is impossible to loan 1.35 million at all. Ms. Wang decided to go to the bank to find out.
After arriving at the bank, Ms. Wang first chose to call the police. After the police arrived at the scene, a little fat man took her and the police into manager Li's office, poured tea and handed cigarettes, just like the owner. Ms. Wang told reporters that until now, she did not know that Wang Tianwei was the fat man in manager Li's office.
In the face of the police, manager Li told Ms. Wang that the collateral she provided could not be loaned at all, but only 530000 yuan. 820000 of the 1350000 yuan was a bundled loan under her name. This surprised Ms. Wang, who decided to complain to the relevant departments.