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Anonymous users2024-02-16Compared with traditional loan channels, cash loans have the characteristics of no collateral and fast disbursement. Because of the convenience and speed of cash loans, many people who are in urgent need of money have poured into cash loans one after another. As everyone knows, there are many unknown traps hidden behind many glamorous things.
Generally, before the cash loan is disbursed, the borrower will be asked to pat the ID card in his hand** and verify the borrower's mobile phone number and mobile phone address book and other information. In the name of proving the identity of the borrower, the essence is to pave the way for violent collection. Because most of the people who choose cash loans are low-income people or even college students on campus, cash loans are ready for borrowers to repay when they are disbursed.
Xiao Zhang, a sophomore in Xi'an, lost money because he played an online game, and was introduced to borrow 2,000 yuan on a lending platform, and later borrowed more and more to 400,000 yuan! In the end, the violent collection forced his mother, Ms. Yang, to move with Xiao Zhang, of course, she couldn't go to school, and Xiao Zhang had the idea of committing suicide. Ms. Yang said in an interview that we are not running away from this debt, we are running for our lives.
Some articles have pointed out that some cash loans are a kind of harvesting mode that sells the soul and harvests a group of low-income groups whose consumption level exceeds their spending power.
The listing of a certain store and a certain auction loan has pushed cash loans to the forefront, making people know more about cash loans. The founder of a store responded in response to whether there would be violent collection when overdue, our bad debts will not urge them to repay the money, ** will not give them a beating, if you don't pay back, forget it, it will be given to you as a welfare, that's all.
I don't know how credible what he said, I just know that behind the listing of cash loans is the fearful and fragmented lives of countless borrowers.
It is not advocating that the money borrowed from the cash loan is not repaid, and it is natural to repay the debt. But before some cash loans have unusually high interest rates and a lot of fees, it's not just about paying off debt.
Before Xiao Zhang borrowed 2,000 yuan, he didn't know whether the 2,000 yuan represented 200 or 300 interest, and when it expired, he found that the principal plus interest was far beyond his ability to repay. You can only borrow another 4,000 and repay 6,000 according to the requirements of the lending platform, and roll it all the way to 400,000! Xiao Zhang's mother, Ms. Yang, said that she did not plan to not pay back the money, but could not afford to pay it back at all.
The high interest and overdue fees are a hole that ordinary people can't fill in their lifetime.
Supposedly, as long as you borrow money on time, will it be fine? But it's not always that simple.
A former cash loan intermediary said that because the overdue interest rate is very high, many times it will deliberately make you overdue, and then charge a high overdue fee. Even if you want to repay the loan early, you will be required to pay the so-called handling fee, default fee, labor fee and other ** fees.
This is clearly fattening the sheep and not slaughtering, but always collecting wool on the sheep, and waiting until there is no more wool on the sheep, and then slaughtering the sheep!
Such a cash loan, not a tiger but fiercer than a tiger! Cash loans are risky and should be cautious when borrowing. It is also hoped that those who are mired in cash loans will be able to go ashore as soon as possible.
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Anonymous users2024-02-15Loans, pornography, gambling, and drugs are the four major social tumors! And "loan" has now become the first of the four annihilations! It will seriously affect social stability, and the nuclear reform will cause a devastating blow to China's real economy!
Due to the flow of funds to the loan shark industry, many real economies have struggled to survive, and they have been green for many years! The development of the real economy is the foundation of the country! The rise of China must rely on the strong development of the real economy!
Only when the motherland is strong can it be guaranteed! In the 80s of the last century, cash loans were surging and beautiful for a while in western developed countries, but the ** of these western countries soon discovered the harm of these "loan" products to society! Since the beginning of the nineties of the last century, legislation has been launched to crack down!
Why should we crack down on it, because these "loan" products are actually social tumors! It has been established at the head of the four poisons: loans, pornography, gambling, and drugs!
Cause social unrest and shake the financial order! Especially the real economy!
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