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网贷陷阱频出 如何识别“套路贷”

2017-08-30 18:01:03   央广网

警方提醒,广大学生,尤其是毕业生,对于企业所鼓吹的培训课程,要在报名前了解清楚具体情况,在签订合同和协议涉及贷款申请时,最好和家人说明情况,谨慎考虑,提高自我防御意识和理财能力。

【校园贷骗局】

湖北省黄冈大三学生被同学介绍去购买一部手机,在手机店贷几千元,门槛非常低,只用提供学生证、身份证和亲朋好友电话及住址就行。但借款很快产生了巨额利息,不到一个月,就翻到几万元。他又不断从十余家网贷平台拆借,几个月后,欠债越来越多,很快就翻到50余万元。家人倾尽所能凑还20万,还欠下30多万,每天被讨债公司以各种手段追讨,并引发外地人员赶到其家中暴力讨债。

警方提醒,不要轻易使用非法“校园贷”,互联网上出现的“今借*”、“*速借”等网络借贷平台均为违规平台,当事人借贷后,会立即掉入网络借贷陷阱,短期内产生巨额利息,并遭到借贷方以恐吓、威胁等手段催收债务。

【退款贷骗局】

警方提醒,接到网络平台客服电话不要急,多方核实最重要,最好通过购物网站指定联络工具(如阿里旺旺)核实对方身份,切忌跳出原有平台进行线下交易。坚决不扫对方发来的二维码,不随意填写银行卡等私密信息,不泄露手机验证码,任凭对方如何花言巧语也不能转账,不去ATM机操作,不让他人远程操控电脑。

【常见的贷款骗局模式】

模式一:无需任何担保。此类骗局中的“贷款”几乎不设立任何贷款条件,无抵押无担保。

模式二:贷款要先交费。当求贷者动心后,骗子们会利用各种理由要求先收取费用,比如“利息、律师费、核实费、保险费、手续费、保证金”等。

模式三:贷款利率奇低。银行的贷款利率相较于其他贷款机构,还是比较低的。所以如果借款人在网上申请小额贷款时,贷款机构宣称自己的贷款产品和银行贷款产品利率相同甚至更低,很可能就是骗子。

模式四:模糊定义利息。很多骗子在宣传时故意将利息说得很模糊,如“利息低至5%”。不少缺乏贷款常识的借款人,就会自然而然地把这“5%”定义为年息,等签完合同拿到贷款之后才发现,“5%的利息”根本不是年息,而是月息。

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