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警惕現(xiàn)金貸,背后套路收取高額利率

時(shí)間:2018-05-03 17:50 瀏覽次數(shù):

警惕現(xiàn)金貸,背后套路收取高額利率刷卡手續(xù)費(fèi)

警惕現(xiàn)金貸,背后套路收取高額利率代理

警惕現(xiàn)金貸,背后套路收取高額利率操作步驟

        近年來,現(xiàn)金貸因?yàn)殪`活方便、門檻低等優(yōu)勢(shì)贏得了很多年輕人的喜愛,很多不同平臺(tái)的app都宣稱快速又低利息,迎合了青年缺錢的心理,宣稱只需要一張身份證就能貸款。因?yàn)楦鞣N現(xiàn)金貸app下載方便,而且貸款無抵押、無擔(dān)保就吸引了大批的青年,甚至國(guó)家明令監(jiān)管的裸貸也層出不窮。

         很多涉世未深的菜鳥容易被表面的優(yōu)惠所吸引,其實(shí)宣稱快捷低息可分期的誘人口號(hào)的背后可能是各種各樣的套路。有的合同里暗藏玄機(jī),有的是實(shí)際到賬打折扣,有的是加收手續(xù)費(fèi)和服務(wù)費(fèi),還有的是變相抬高利率和增加巨額的逾期利率。本文會(huì)揭露一些現(xiàn)金貸的套路和常見的行業(yè)亂象。  

警惕現(xiàn)金貸校園,背后套路收取高額利率                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 

巧立名目抬高利率
        民間借貸根據(jù)國(guó)家規(guī)定,年利率不可以超過36%,然而實(shí)際上現(xiàn)金貸的利率卻通過各種各樣的名目來超過國(guó)家標(biāo)準(zhǔn)。曾經(jīng)就有年輕人借款8萬但最后要求償還26萬的案例,最后全家人不得不集體逃債,這種現(xiàn)象的出現(xiàn)源于高額的逾期利率和各種巧立名目的額外費(fèi)用。

        行業(yè)內(nèi)最常見的現(xiàn)象之一是砍頭息,比如某平臺(tái)借款2000元,宣稱月利率1.5%,實(shí)際到賬卻只有1820元,而且要求借貸方三個(gè)月要還完總共2478.39元,年利率高達(dá)147%。還有的借貸公司是收取周利息,也有的是額外加收服務(wù)費(fèi),而且如果逾期的利息更是普通利息的幾倍。因?yàn)榇蟛糠帜贻p人收入不高,尤其是大學(xué)生收入來源比較單一的,一旦欠款就很難及時(shí)償還,因此而產(chǎn)生的高額逾期利滾利最終難以償還。

        現(xiàn)金貸平臺(tái)層次不齊,但為了盲目追求利益,有些平臺(tái)就專門鉆法律的空子打擦邊球,還有的平臺(tái)之間互相推薦,引導(dǎo)使用者在不同的平臺(tái)貸款,已經(jīng)形成相關(guān)灰色產(chǎn)業(yè)鏈,類似的還有培訓(xùn)貸,通過教育培訓(xùn)的目的惡意引導(dǎo)消費(fèi)者申請(qǐng)高利率的貸款。

警惕現(xiàn)金貸,背后套路收取高額利率

暴力催收,社會(huì)影響惡劣
        一旦接待人無法償還欠款時(shí)候,這些現(xiàn)金貸公司就馬上翻臉。因?yàn)榍捌诓⑽磳?duì)個(gè)人信用進(jìn)行審核,就很容易出現(xiàn)不良貸款,但是暴利又吸引現(xiàn)金貸公司,從而滋生了不同的收款手段。最開始貸款的時(shí)候都會(huì)提供個(gè)人相關(guān)信息,比如自己的手機(jī)號(hào)和家庭住址,當(dāng)不能還錢時(shí),借貸公司甚至能查詢到借款人家人的聯(lián)系方式進(jìn)行催收,恐嚇接待人。像“裸貸”這樣的平臺(tái)就通過恐嚇的方式逼迫借貸人還款,會(huì)對(duì)借貸人造成巨大的不良影響。

        根據(jù)國(guó)家互聯(lián)網(wǎng)金融安全技術(shù)專家委員會(huì)公布,目前累計(jì)發(fā)現(xiàn)催收平臺(tái)380家,涉及催收金額1.14萬億元。國(guó)際相關(guān)機(jī)構(gòu)互聯(lián)網(wǎng)金融協(xié)會(huì)推出了相關(guān)規(guī)范,3月28日,《互聯(lián)網(wǎng)金融逾期債務(wù)催收自律公約(試行)》,公約中明確要求你催收機(jī)構(gòu)要自律約束,對(duì)催收不當(dāng)劃定底線。要求在官網(wǎng)上披露催收方式,并且相關(guān)數(shù)據(jù)要保留5年以上;要求催收不能恐嚇、威脅和辱罵債務(wù)人,不能頻繁給債務(wù)人打電話。

         也必須給各位青年提個(gè)醒,不能因?yàn)樨潏D眼前的利益而去大量現(xiàn)金貸,應(yīng)該要理性評(píng)估借貸公司的政策是否合理,也要反省自己的償還能力,不能盲目追求一時(shí)的花錢痛快,換來長(zhǎng)久的悔恨。對(duì)于年輕人來說,如果缺錢可以辦理正規(guī)國(guó)家銀行信用卡進(jìn)行消費(fèi),如果有現(xiàn)金需求可以刷pos機(jī),有長(zhǎng)達(dá)40多天的免息期,而且銀行政策清晰,安全有保障,經(jīng)濟(jì)不寬裕時(shí)可以選擇最低還款。


 

警惕現(xiàn)金貸,背后套路收取高額利率視頻步驟

如果以上方法還不能解決可以看以下視頻解決:

 

警惕現(xiàn)金貸,背后套路收取高額利率原因詳解

 

 

 

警惕現(xiàn)金貸,背后套路收取高額利率常見問題

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