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As long as you know the unsecured routine of the loan, you can stay away from these scams!

Time: 2018-04-22         Source: Everyone becomes a single         Author: everyone into a single

Unsecured loans are also called unsecured loans. When applying for loans, the borrower does not need to provide any collateral and guarantees. It only needs to provide basic identity, credit, income, assets and other proofs to obtain loans. Due to the low loan threshold, it is very popular among friends in the credit market.

However, it is precisely because the threshold of the application for loans is low, and some lawless elements have also made up their minds. Moreover, loans are unsecured and scams are frequent, and many friends suffer from it.

Today, the single sister came to sum up some common routines of unsecured loans. I hope that everyone can avoid being riddled by routines in the future.

As long as you know the unsecured routine of the loan, you can stay away from these scams!

Routine 1: Loan conditions are too loose

No one in the world will do a loss-making business, and credit institutions will not blindly lend money to others, but based on a comprehensive analysis of the borrower's credit and repayment ability, and give a reasonable loan amount. It is only the fraud group that the loan conditions are too loose.

Routine 2: Unreasonable interest rate setting

At present, China mainly implements differential interest rates, and commercial banks can raise and lower interest rates for the qualifications of borrowers. However, for lending institutions with too low or too high interest rates, it is obviously not normal.

Routine 3: Handling fees in advance

It is worth noting that any formal credit institution will not charge the handling fee for any reason before lending. Once the other party proposes to pay in advance, the borrower can directly turn away.

Routine 4: Contact information is not clear

Regular financial institutions can see and check their contact information anywhere. If they do not provide contact information during the process of lending, or only provide private contact information, they can basically judge the liar agency.

Considering the risk of unsecured loans, in the context of the tightening of the credit market, it is not easy to obtain loan approvals smoothly. From the perspective of traditional commercial banks, there are only a few banks that can handle loan unsecured business. At present, the vast majority of citizens apply through small loan companies or online loan platforms.

The unsecured loan is so popular, not only because the threshold for the loan is low, but because the bank's threshold is too high. For a long time, banks have been very straightforward to tell you that they prefer a high-quality customer base, that is, a stable, high-income group.

In the world, there are many poor people and few rich people. In order to seize the limited resources of the society, institutions that provide loans without mortgage will naturally emerge. Because of this, loan unsecured fraud has been endless.

Finally, the single sister reminded all of you that the loan is unsecured and the nature of the credit card is similar. Friends must learn to plan the funds properly before using it. Only in this way can the borrowed funds be reasonably enlarged, instead of becoming Slave of debt.

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