In fact, these loans can also be made by themselves. The other party just took advantage of the operation we didn't know, and they could get money on both sides without spending a penny. Remind everyone that loans must go to banks or formal online lending platforms, and don't trust the face-to-face signing operation of loan companies.
What should I pay attention to in the face-to-face signing of microfinance?
Microfinance is an operating loan with individuals or families as the core, and the loan amount is generally more than 1 000 yuan and less than 200,000 yuan.
1, depending on the interest rate, if it is more than 4 times higher than the benchmark interest rate for the same period, it is illegal.
2. See if there is any charge before the loan. If fees are charged in the name of various fees and benefits, there is always a problem of default in lending.
3. Check whether there are any other suspicious signs, such as remittance to pay interest, charging for various reasons before lending, high interest rate, no contract signed, etc.
Although it is called a small amount, it is also a loan. All loans, whether bank loans or private loans, need your repayment ability. In other words, these statements don't need to be lent to you under any circumstances, so be careful.
5. Small loan companies should pay attention to timely repayment after lending. If the loan of a small loan company is not repaid in time, it will be penalized. At the same time, personal credit may also be affected. It is suggested that the application for accelerated loan be submitted free of charge and accepted by the credit manager of the formal lending institution.
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Consequences of non-repayment of loans
1. Lending institutions will collect your overdue loans according to law. According to the loan contract and guarantee contract (mortgage or pledge contract), the loan bank will bring a lawsuit to the court, and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of you and the loan guarantor and sealing up the pledged property. After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, and all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property.
2. Your credit will be affected, and personal loans will also be recorded as overdue loans in the national personal credit information consultation system. If the loan bank doesn't erase your records, you may not be able to get loans from all banks in the future, your credit information will be blacklisted, your travel may be restricted, you may not be allowed to go abroad by plane, and you may not even be able to buy train tickets in the future.
3. If you provide false information or false materials when you borrow money, the lending institution may sue you for the crime of loan fraud. If the fraudulent loan is true, it may be sentenced for fraud. Criminal Law Amendment (VI) adds new charges. Article 175 of the Criminal Law, "Whoever obtains loans, bills, letters of credit, guarantees, etc., defrauds the funds of banks or other financial institutions, and causes heavy losses to banks or other financial institutions or has other serious circumstances, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or shall only be fined; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and fined. "