It is illegal to cover up illegal purposes in the form of education. In order to attract students through litigation institutions, students who can't afford tuition fees are "fooled" into lending on the platform in the form of installment payment, so many students are burdened with different degrees of debt. Once refunded, it will also be generated with financial institutions. Before signing the training contract, be sure to read the terms of the agreement clearly, and keep the contract, invoices and other evidence for future use.
Definition of installment loan:
Installment loan is a loan that the bank allows the borrower to repay in installments within a certain period of time. When issuing such loans, banks must analyze the borrower's financial situation and determine the time of repayment by installments, the amount of repayment by installments and the calculation method of interest in the loan contract. This method not only fully meets the needs of borrowers, but also reduces the interest burden of installment repayment. For banks, it not only provides loans, increases income, but also speeds up the turnover of loans and reduces the risk of installment repayment.
Definition of online loan:
Online lending is also becoming a trend. With the help of the advantages of the Internet, you can complete the loan application conditions without leaving home, and prepare the loan application, which can be completed efficiently on the Internet.
The risks of online lending are as follows:
1. The credit status of both parties in online transactions is prone to fraud and default correction of outstanding debts.
2. A lot of lender information published on the Internet platform is in the name of "loan company" and "financing company". In fact, those who must be able to engage in financial business such as credit financing are often investigated for "illegal fund-raising" and disrupting the order of financial management.
3. If the internal control procedures for issuing loans through online platforms are invalid, or it is possible to fabricate loan information and illegally raise funds.
2. What if someone uses my identity information to get a loan?
Generally, banks will not handle bank loans without my ID card, so I need to bring my valid ID card to the bank for face-to-face signing. Conditions for handling bank loans: Materials to be prepared for handling loans: For fraudulent use of resident identity cards, the Law of the People's Republic of China on Resident Identity Cards stipulates: Article 16 Anyone who commits one of the following acts shall be given a warning by the public security organ and fined not more than 200 yuan. If there is illegal income, the illegal income shall be confiscated: (1) using false certification materials to defraud resident identity cards; (2) Renting, lending or transferring a resident identity card; (3) illegally detaining another person's identity card. Seventeenth one of the following acts, by the public security organs fined two hundred yuan to one thousand yuan, or detained for ten days. If there are illegal gains, the illegal gains shall be confiscated: (1) fraudulently using other people's identity cards or using fraudulent identity cards; (2) buying, selling or using forged or altered identity cards. Forged or altered identity cards and fraudulent identity cards shall be confiscated by public security organs. Article 18 Whoever forges or alters a resident identity card shall be investigated for criminal responsibility according to law. Whoever commits any of the acts listed in Articles 16 and 17 of this Law and commits criminal activities shall be investigated for criminal responsibility according to law. Article 19. If the staff of state organs or financial, telecommunications, transportation, education, medical and other units disclose the personal information of citizens recorded in resident ID cards obtained in the course of performing their duties or providing services, which constitutes a crime, criminal responsibility shall be investigated according to law; If the case does not constitute a crime, it shall be detained by the public security organ from 10 to 15 and fined 5000 yuan. If there are illegal gains, the illegal gains shall be confiscated. Fraudulent use of identity cards can directly apply to the public security organs for filing a case for review.
3. How to cancel the loan cheated by educational institutions?
First, how to solve the problem of loan fraud by training institutions 1? First, we can negotiate with the operators of training institutions and try our best to deal with it. If negotiation fails, the injured party may request the local consumer association for mediation, or complain to the relevant local administrative department or education department. 2, the situation is serious, the amount is large, you can also report to the public security organs, or directly to the. No matter how much money you have been cheated, you should first keep the evidence of being cheated and protect your legitimate rights and interests, such as communication records, chat records, transfer or remittance records, etc. 3. Legal basis: Article 266 of the Criminal Law, public or private property, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.
Second, is there any legal provision for training loan interest? Article 25 of the Supreme People's Court's Provisions on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases: If the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people shall support it, except that the interest rate agreed by both parties exceeds four times the market price of one-year loan when the contract is established. The "one-year loan market quotation" mentioned in the preceding paragraph refers to the one-year loan market quotation issued monthly by the National Interbank Funding Center authorized by the People's Bank of China from August 20th, 20th, 20th19th. For example, on April 20, 2022, the annual interest rate of private lending 1 year LPR cannot exceed about four ten thousandths of the conversion date interest rate. Therefore, many students (job seekers) are attracted by the contract or the "daily interest rate is as low as four ten thousandths" on the publicity page of the loan institution, and have not calculated the real annual interest rate (it is not until the repayment that the interest and liquidated damages are surprisingly high). Third, how to prevent graduate training loans 1 and check the qualifications of training companies. Through the "National Enterprise Credit Information Publicity System" and other channels, we can inquire about their industrial and commercial registration information and find out whether they have relevant education and training qualifications. 2. Know the company you want to go to. You can search for the opinions of relevant companies on the Employment Network, or you can log in to China Judgment Document Network to search for the company's participation in litigation. 3. Be highly alert to installment loans. In the process of finding a job, if you are "suggested" to pay by installment loan, you should be highly vigilant, scientifically and reasonably evaluate your own situation and potential risks, and make a careful decision. If a training institution is defrauded of a loan, and the amount involved is relatively large, it can directly report to the police, because this behavior of the training institution has constituted a crime, but the police can only safeguard their rights and interests if there is relevant evidence. I hope the above content can help you. If you have any other questions, please click the button below to consult a professional lawyer.
4. What should I do if I am cheated by a training institution?
It is suggested to handle the loan business through formal channels for financing, and you can consider applying for the online loan business of Agricultural Bank of China.
Online lending has realized the processes of self-service application, automatic approval, online signing of credit contract and self-service credit use. The application process is as follows:
(1) The borrower logs into the online channels (personal online banking and pocket banking) designated by Agricultural Bank of China, and enters the "Netquick Loan" application interface.
(2) The borrower understands the product situation, basic loan conditions and handling procedures of NetJet Loan.
(three) fill in the basic information, the proposed loan period, loan and repayment account, mailing address, etc.
(4) The system verifies the validity of the mobile phone number.
(5) Signing the Power of Attorney for Personal Credit Business online.
(six) to confirm the loan information, the amount and purpose of the loan application.
(7) After the applicant reads and signs the Personal Self-help Micro-credit Consumer Loan Contract online and completely fills in the application information, he submits the loan application.
The annual interest rate of NetJet: the interest rate of mortgage customers rises 15%, and that of non-mortgage customers rises 15%-50%. The Agricultural Bank of China will adjust the interest rate according to the market situation.
If you need other help, you can further call the customer service center of Agricultural Bank of China for verification.