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中介提成高达60%“美容贷”是贷款还是诈骗?

2017-08-21 10:51:51   央广网

美容咨询10分钟,贷款3.5万元,反悔要扣1万元违约金;网贷3万元用于美容,到手仅有500元……暑假期间,对于学生们而言,他们的“假期清单”中“割双眼皮”“隆鼻”“瘦脸”等已有不少。记者了解到,由于暑期学生整形热,医疗美容手术量增加了近一倍,各类消费纠纷、诈骗案也大幅上升。

  10分钟、三步骤

  女学生贷款3.5万元

学生小朱来南京旅游,却在美容院工作人员的“指导”下,仅十分钟就从网贷机构贷到了3.5万元的美容手术费。好在手术前“清醒”过来,要求终止合同,却被要求付1万元的违约金。小朱回忆起上当的过程,感到“步步惊心”:

第一步,免费扫码却被忽悠到了整形医院。

“我是出地铁站的时候,看见了一个‘扫一扫有奖品’的标识,但没想到后面却发生了那么多的事情。”小朱回忆,旁边一位中年妇女迎了上来,说这个是商家的免费活动,只要扫一扫就可能中奖。在她扫码的过程中,中年妇女跟她聊天得知她就要上大学了,又向她推销起美容院正在做的暑期免费美容咨询活动。原本对自己相貌不太自信的小朱禁不住怂恿就同意了。

第二步,美容咨询变手术,没钱可以贷款。

小朱随后就来到了南京珠江路上的一家美容整形医院。进店后,中年妇女特别嘱咐店内的接待人员“这位是学生”。认为只是免费咨询的小朱放下警惕,任由工作人员对她进行“面部扫描分析”,最后向她推荐了一款隆鼻手术,价格是3万多元。

被价格吓了一跳的小朱告诉工作人员,她只是个学生根本无力支付。对方告诉她:“不需要为钱的事情发愁,美容院这有很多类似情况的学生都成功地做了美容手术。只要先做一次信用额度测试。”

第三步,10分钟放款3.5万元,利息近5000元。

 中介提成高达60%

  是贷款还是诈骗?

爱美之心人皆有之。业内预测,到2018年,医美市场规模将超过8500亿元。千亿级别市场也成为消费金融掘金之地。

记者百度“美容贷”或“医美分期”,各类平台令人眼花缭乱,甚至一些互联网金融大公司也涉及该项业务。

在南京多家美容院的前台,能够看到多个贷款平台的二维码。记者咨询了维多利亚美容医院,服务人员告诉记者,该院医美分期选择多达十几种,包括零首付、零利息、还有最长可贷24个月的等,可以根据客户需要进行组合搭配。

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