What is a Routine Loan? What are the manifestations of routine loans? What s going on?

1. If you want to check your online loan records, you need to check from the central bank's credit and online loan data.

Second, but don't take it lightly if the online loan is overdue, in addition to being collected, personal credit will also be affected, especially the online loan on the credit report, once there is a bad record of overdue, it will seriously affect the future bank loan and credit card business. Even if the online loans handled are not on credit investigation, they are all connected to big data. Find from WeChat:

With four-joy data, you can view your online loan history, online loan overdue details, liabilities, dishonesty information, online loan blacklist and other information.

3. The blacklist of online loans caused by too many times of registration or application for online loans, and uploading untrue information when borrowing, can be reduced by time, and can generally be restored in about three months, but remember not to repeat the old tricks during this time.

Hui Tao Yu

1. The overdue collection of online loans will contact the borrower for repayment as soon as possible, and once the repayment cannot be made within the time required by the other party, the address book will be exploded later, which is also a means that the collector often uses to threaten the borrower. When borrowing money, the address book and call records have been obtained by the online lending platform, so after the deadline, these have become the handle of the collection threat to the borrower. Not only will the borrower himself be violently collected, but even the relatives and friends in the address book will not be spared from being harassed.

2. Friends who still have questions about their own online loan data can get an online loan big data credit report on the Xiaoqi Xincha platform, and as long as they find the WeChat of this platform, they can grasp the first-hand credit status in real time.

3. Therefore, in order to protect your credit history, it is best for you to pay attention to your online loan data report regularly.

Suppress the sting, the sting, the frying, the stinging

Using Quick Lending as Bait to Create the Illusion of Private Lending Because borrowers are in urgent need of working capital or are unable to borrow through formal channels, criminals often solicit customers in the name of "microfinance companies" and use "unsecured loans" and "low-interest loans".

Fraudulent lending is a general term for illegal and criminal activities related to inducing or forcing victims to sign "loans" or disguised "loans", "mortgages", "guarantees" and other relevant agreements in the name of private lending for the purpose of illegal possession, forming false claims and debts through methods such as inflating the amount of loans, maliciously creating defaults, arbitrarily determining defaults, and destroying evidence of repayment, and illegally taking possession of victims' property with the help of litigation, arbitration, notarization, or the use of violence, threats, and other means. [1]

Routine loans are often loans issued by informal platforms, which generally make you pay a lot of money to unfreeze the loan, and also raise your loan amount very high, saying that your bank card is filled in incorrectly.

Routine lending refers to signing some false contracts by stealing from the victim, inflating debts, and then forging false certificates such as capital flows, and charging some high fees in the name of audit fees, management fees, service fees, etc., and will also create a default to force the victim to continue to borrow on the platform; The main reason is that the interest rate of the loan is not transparent, and there is a service fee for the loan, there is also some margin, and there is an intermediary fee for the loan.

The interest rate is not transparent, there are intermediary fees, *** money, there are service fees, there will be a lot of charging standards, and there will be a lot of fees.

We must be wary of fraudulent loans. "Conventional loans"of"Loans"It is an excuse for the defendant to embezzle the victim's property, so"Conventional loans"Yes"Loans"The reality of illegal possession of the victim's property. However, loan sharks expect the borrower to pay high interest and return the principal as agreed in order to receive high interest.

<> under the guise of private lending,"Routine loans"Passed"False increase in debt"、"Create a flow of money to the account"、"Intentionally determining a breach of contract"、"Transfer documents to checkout"、"False lawsuits"and other means to achieve the purpose of illegally occupying the property of others. Due to"Routine loans"It is highly concealed and uses public power"Drag your feet", the victim is very easy to be deceived, ** it is recommended to take out loans through formal channels as much as possible, especially to be vigilant"Blank co-grinding tomato with"。Identification"Routine loans"It depends on whether the lending behavior has all or some of the following characteristics:

Whether there is malicious obstruction of high-value loans. When the victim is unable to repay, the lender refers others"Microfinance companies"or personally, or"Impersonation"Other companies sign new ones with the victims"Inflated loan contracts"Conducted"Checkout", making Qi Qing's victims fall deeper and deeper.

Whether or not to create the illusion of private lending. Whether the lender borrowed money in the name of a small loan company to create the illusion of private lending, and whether it used it"Liquidated damages"、"Margin"and so on to deceive the victim into signing"Inflated loan contracts"、"Yin-Yang Contracts"and real estate mortgage contracts; Whether the lender is charged with service fees, intermediary fees, etc"Chop off the head"and other names directly deduct the principal of the loan. Whether the lender charges fees in the name of liquidated damages, security deposits, penalty interest, etc., that exceed the statutory interest rate cap.

For example, Wang lent Zhang 100,000 yuan, directly deducted the interest of 10,000 yuan, and the service fee was 3,000 yuan, and Zhang actually borrowed 10,000 yuan. According to the law, 10,000 yuan should be regarded as the principal of the loan, but the loan contract signed by Wang and Zhang is still 100,000 yuan. When the victim is unable to repay, the defendant introduces other counterfeit ones"Microfinance companies"or personally, or"Impersonation"Other companies signed new contracts with the victims"Inflated loan contracts"to"Checkout"to further increase the amount borrowed.

Routine loans are used in the name of loans to deceive borrowers. The interest rate of the loan is not clear, and there is a loan service fee, which can be stopped immediately when encountering a routine loan, and can be reported to the police immediately if it encounters a loss or loss.

Fraudulent lending is to induce or force the victim to sign a loan in the name of private lending for the purpose of illegal possession, or to induce or force the victim to sign a loan in disguised form, mortgage, guarantee and other related agreements, and then maliciously create a default by inflating the loan amount, arbitrarily determining the default and destroying the evidence of repayment, etc., to form false claims and debts, and use litigation, arbitration, notarization, or the use of violence, threats and other means to revise the relevant illegal and criminal activities of illegally occupying the victim's property.

A form of fraud under the guise of private lending. When you are unable to repay the bank and repay the loan, the creditor will introduce you to a new creditor to repay the debt. If the ruler is short of funds, it is better to take out a loan through a formal institution.

<> fraudulent lending refers to inducing or forcing the victim to sign a "loan" or a disguised "loan", "mortgage", "guarantee" and other related agreements for the purpose of illegal possession, in the name of private lending, and forming false claims and debts by inflating the amount of the loan, maliciously creating a breach of contract, arbitrarily determining a breach of contract, and destroying evidence of repayment.

It is illegal and criminal activities related to the illegal possession of the victim's property through litigation, arbitration, notarization, or the use of violence, threats, or other means.

The essence of the "routine loan" is a **. "Routine loans" already have the shape of a sedan chair for knowledge-based crimes.

1. False payment: Fraudulent loans will create traces of bank statements that have been paid to the borrower in full, and then use various means to recover or part of the funds, and the borrower will not be able to obtain the full amount of funds stipulated in the loan contract. 2. Intentionally creating a breach of contract or arbitrarily determining a breach of contract.

Fraudulent loans generally deliberately set up repayment barriers to deliberately cause the borrower to default, so that the borrower has to bear the high default costs. 3. Maliciously inflating the amount of borrowing. When the borrower is unable to repay, the routine loan will generally continue to increase the borrower's debt by signing an "inflated" loan contract with the borrower, and through the method of "lending to support the loan".

4. "Debt collection" is both soft and hard. When the victim is truly unable to pay, the routine will use litigation, arbitration, notarization, or the use of violence, threats and other means to force Xiangji to collect "debts" from the victim or the victim's specific related parties. Understand the TV network

Routine lending refers to the illegal and criminal acts of illegally occupying other people's property by means such as "inflating debts", "creating a flow of funds", "arbitrarily determining default", "transferring bills to settle accounts", and "false litigation" in the name of private lending.

The development and spread of the crime of fraudulent lending not only directly infringes on the legitimate property rights and interests of the victims, but also the violence, threats, false lawsuits and other means of extorting money that are mixed in it can easily induce other crimes, and even cause serious activities such as the sale of cars and houses to pay off debts, bringing about a series of social problems. Because the "routine loan" is very hidden, the victim is easily deceived.

Routine loans have evolved from the previous overdraft cards and online loans to real estate contracts and loan contracts. It can be said that many people were forced to sell their houses to repay because they fell into routine loans, but now they have accidentally entered into routine loans because they want to sell their houses.