89 people committed suicide due to forced debts, how can we identify routine loans?

It is understood that I have summarized the ways to identify routine loans and get out of routine loans:

Identify fraudulent loans

1.It's important to take your finances seriously.

Nowadays, many students and office workers take out loans because of excessive consumption, and they have never thought about financial management.

2.If you are short of money, find family and friends first.

If you really need money because of special circumstances, you can first ask your family and friends to borrow some money for emergencies, which is a normal thing, and everyone will need help from others at times.

3.Huabei, Baitiao, and credit cards are repaid on time without interest.

You should know that as long as you repay the loan on time, no interest will be charged, and it is also a good choice for temporary emergency use, but don't rely too much on these products, otherwise you will eventually fall into the trap of "routine loans" when you can't afford to pay them back.

4.For large loans, you must choose a bank.

If you really need a large loan, you must give priority to the bank, the bank's loan interest rate is always open and transparent and legal, and the annual interest rate will not exceed 10%.

Get out of the routine loan

For those who have fallen into the "routine loan", please pay attention to these points, which are likely to be of great help to you in the future.

1.Pay attention to the collection and fixation of evidence.

All materials that can reflect the loan relationship should be retained as evidence, such as the communication records of the loan, the bank's transfer and cash withdrawal records, or the evidence of being threatened by the lender, etc., and all materials related to the lender should be retained.

2.Take the criminal route to file a case.

After collecting evidence, a case can be filed, and if there is evidence of the threat of infringement by the lender, this person can also be used as a reason to report the case, and if he can find other victims to report the case together, the probability of filing a case can often be increased.

3.Actively participate in litigation.

If the loan company later files a lawsuit against you, then you must not run away, and avoiding it means giving up the opportunity to clarify, and preparing your collected evidence can often be well resolved in law.

To sum up, cherish life and stay away from online loans, you never know how big a hole there is behind the online loan in front of you, maybe it is a routine loan.

Be sure to see what the corresponding interest is, if the interest is particularly high, it is definitely a routine loan.

When we need to make a loan, we must go to a regular bank or lending institution to do it, and we must read the content of the contract clearly, and do not blindly take out a loan.

I think that in ordinary life, we must reject any routine and not believe in the fact that the sky is trapped.

I think we should look more at the law, look at this kind of routine thing, and call the police in time when we encounter this kind of thing.

It will take advantage of a wide variety of lucrative benefits to get you to take out a loan. There is nothing financially that you can take advantage of.

It can be seen from two aspects, the first to identify these loans of the company usually do not have formal operating qualifications, the second to look at the interest of the loan, usually the interest of the routine loan will be surprisingly high.

Legal analysis: If the borrower dies as a result of a fraudulent loan, the family of the victim of a criminal offense may report the case to the public security organ, let the public security organ file a case for investigation, and pursue the criminal liability of the fraudulent loan person, or may file an attached civil compensation lawsuit to request civil compensation. Where the victim suffers material losses as a result of the defendant's criminal conduct, he has the right to initiate an attached civil lawsuit in the course of criminal proceedings.

Where the victim dies or loses capacity, the victim's legally-designated ** person and close relatives have the right to initiate an attached civil lawsuit.

Legal basis: Criminal Procedure Law of the People's Republic of China

Article 101:Where the victim suffers material losses as a result of the defendant's criminal conduct, in the course of criminal proceedings, he has the right to file a civil case attached to the criminal case.

Lawsuit. Where the victim dies or loses capacity, the victim's legally-designated person or close relatives have the right to raise an attached civil lawsuit. If state property or collective property suffers losses, the people's procuratorate may initiate an attached civil lawsuit when it initiates a public prosecution while still alive.

Article 110: Any unit or individual discovering the facts of a crime or a criminal suspect has the right and obligation to report or report the case to the public security organs, people's procuratorates, or people's courts. Victims have the right to report or make accusations to the public security organs, people's procuratorates, or people's courts against the facts of a crime or a criminal suspect who violated their rights in person or property. Public security organs, people's procuratorates, or people's courts shall accept reports, accusations, or reports.

Where it is not within its own jurisdiction, it shall be transferred to the competent organs for handling, and the informant, accuser, or informant shall be notified: Where it is not within their own jurisdiction and emergency measures must be employed, emergency measures shall be taken first, and then transferred to the competent organs. Where the offender voluntarily surrenders to the public security organs, people's procuratorates, or people's courts, the provisions of paragraph 3 apply.

Legal Analysis: If the borrower dies due to a fraudulent loan, it is a criminal case, and the victim's family should accompany the victim to report the case to the public security organ for handling, and investigate the criminal responsibility of the fraudulent loan personnel according to the specific circumstances of the case.

Legal basis: "Criminal Procedure Law of the People's Republic of China" Article 110: Any unit or individual who discovers that there are facts of a crime or that a criminal suspect has been lenient, has the right and obligation to report the case to the public security organs, people's procuratorates, or people's courts.

The routine loan review is simple and fast, the loan is fast, the procedures are simple, and some can run away, and people don't know where your home is, and others don't know

As far as I know, there should be usury, naked loans, or other mortgaged things, real estate certificates and other loans, usury is especially the most self-contained, and the high cost is not something that ordinary people can repay, so the masses are advised not to borrow.

It is difficult to obtain loans from formal channels, and instead they are lured into borrowing through unsecured lending information published in street advertisements and Internet media, or are introduced by others, and the victim's ID card, real estate certificate, and even signed IOUs and loan contracts are withheld by the criminal gang, and personal information and real estate addresses are also in the possession of the criminal gang.

I know how terrible the loan routine is to rent hail. They will trick those who are in urgent need of money and like to compare others with strong vanity, and they will give many preferential policies to make you talk about the yin and yang contracts signed after the loan.

Routine loans are very hidden and terrible, you need to repay the loan every day, and if you don't repay it, you will be bombarded with p-maps, information, and blackmail. Many lenders find it painful. Stoveside.

Routine loans are very terrible, and there are a lot of routines in loans, one by one, which makes it difficult for people who are trapped in them to get rid of them and fall into a long road of loan repayment.

The routine loan pie laughs at the profit, allowing you to fall into the abyss step by step. The terrible thing about the routine loan is that he rolls up from a little bit of money to a little money, like a snowball, and finally you can't pay it back.

It is very terrible, and these routine loans have also brought a lot of economic pressure to many people, which has made these people's consumption concepts also change, and the interest rate is also very high.

It's scary, because he'll cheat you out of your trust step by step, and then you won't be able to pay off the loan.

Of course, I know how scary it is to get a loan, but my friends around me almost got a loan out of someone else.

I know. He tricked us into taking out loans, which made us unable to repay these debts later.

Loans are very scary, don't touch them casually, no matter how rich you are, you can't afford this kind of debt. This thing is addictive, and it is difficult to let go when you touch it.

It should be said that it is particularly terrifying, as long as you can't pay back the money, you will face all kinds of threats and retaliation, making it impossible for people to live.

Because people's desires are endless, when they see that the interest rate of these routine loans is very low or their own amount is very high, they will keep borrowing money on the Internet, they feel that there is no financial pressure to repay the debt every month, but as they borrow more and more money, their salary can not repay the debt, they will feel very broken.

First, because they have problems with their own consumption concepts. Nowadays, no matter what age group people are, they are very fond of comparing when buying things, because they feel that expensive clothes can make others look up to them, and they feel that those luxury goods can make others respect them more, so they often buy goods that are beyond their own economic scope. Most of these people who know how to go don't have any money, but their desire to consume is very strong, so they will go to those software to borrow money to buy things.

They may be a little more cautious at first, but as they pay back some money and their amount becomes higher and higher, they will spend money endlessly. They will always spend these amounts as if they were their own money, and eventually their monthly wages will not be enough to repay them. It is said that these loan companies are routines, and these people might as well say that these borrowers have problems with their own consumption concepts, and if they don't take the initiative to take out loans in the network, they won't have follow-up events.

Second, because they will be easily sold. Each of us is defensive, but when the sales of those companies break our psychological defense, we will easily be sold by the other party. These loan companies will often harass everyone**, many people will hang up directly after hearing that it is a loan**, but there are also people who want to hear their own amount and want to hear the interest of these loans.

When these people feel that the interest rate is very low and they have the financial ability to repay the debt every month, they will lend out their amount to have fun in time, and they may also invest in some business. But when they can't afford it, they feel devastated. These sales will keep giving them ** every month to pay off their debts, and they will also say some very insulting things, which eventually leads to these people's mental breakdowns and choose extremes.

Of course, there are also a large number of people who really need money at home, so they will go to online loans, they always feel that there is no pressure to repay part of the money every month, but as time goes on, their interest will become more and more. When they don't have the financial means to repay, their interest rates become higher, eventually doubling the amount they owe, and they have a nervous breakdown when they can't afford to repay.

Many people take out road loans because they need money and need temporary turnover, but they didn't expect the consequences to be so serious, and they didn't understand it and fell into the pit, and it was difficult to get out.

Because the current society has become a trend of early consumption, and in order to pay the arrears of early consumption, it is necessary to borrow, and this kind of lending leaves an opportunity for these routine loans.

Because many people lack a certain degree of judgment and are easy to be fooled, they will ** road.

I think it's because most people want to go to the sky too much, so it's easy to be tricked.

Because many people don't have financial common sense in their lives, it is easy to be tricked.