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警惕现金贷,背后套路收取高额利率

发布日期:2018-04-18 10:56    来源:未知  ★点我评论★ 关注人数:

        近年来,现金贷因为灵活方便、门槛低等优势赢得了很多年轻人的喜爱,很多不同平台的app都宣称快速又低利息,迎合了青年缺钱的心理,宣称只需要一张身份证就能贷款。因为各种现金贷app下载方便,而且贷款无抵押、无担保就吸引了大批的青年,甚至国家明令监管的裸贷也层出不穷。

         很多涉世未深的菜鸟容易被表面的优惠所吸引,其实宣称快捷低息可分期的诱人口号的背后可能是各种各样的套路。有的合同里暗藏玄机,有的是实际到账打折扣,有的是加收手续费和服务费,还有的是变相抬高利率和增加巨额的逾期利率。本文会揭露一些现金贷的套路和常见的行业乱象。  

警惕现金贷校园,背后套路收取高额利率                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 

巧立名目抬高利率
        民间借贷根据国家规定,年利率不可以超过36%,然而实际上现金贷的利率却通过各种各样的名目来超过国家标准。曾经就有年轻人借款8万但最后要求偿还26万的案例,最后全家人不得不集体逃债,这种现象的出现源于高额的逾期利率和各种巧立名目的额外费用。

        行业内最常见的现象之一是砍头息,比如某平台借款2000元,宣称月利率1.5%,实际到账却只有1820元,而且要求借贷方三个月要还完总共2478.39元,年利率高达147%。还有的借贷公司是收取周利息,也有的是额外加收服务费,而且如果逾期的利息更是普通利息的几倍。因为大部分年轻人收入不高,尤其是大学生收入来源比较单一的,一旦欠款就很难及时偿还,因此而产生的高额逾期利滚利最终难以偿还。

        现金贷平台层次不齐,但为了盲目追求利益,有些平台就专门钻法律的空子打擦边球,还有的平台之间互相推荐,引导使用者在不同的平台贷款,已经形成相关灰色产业链,类似的还有培训贷,通过教育培训的目的恶意引导消费者申请高利率的贷款。

警惕现金贷,背后套路收取高额利率

暴力催收,社会影响恶劣
        一旦接待人无法偿还欠款时候,这些现金贷公司就马上翻脸。因为前期并未对个人信用进行审核,就很容易出现不良贷款,但是暴利又吸引现金贷公司,从而滋生了不同的收款手段。最开始贷款的时候都会提供个人相关信息,比如自己的手机号和家庭住址,当不能还钱时,借贷公司甚至能查询到借款人家人的联系方式进行催收,恐吓接待人。像“裸贷”这样的平台就通过恐吓的方式逼迫借贷人还款,会对借贷人造成巨大的不良影响。

        根据国家互联网金融安全技术专家委员会公布,目前累计发现催收平台380家,涉及催收金额1.14万亿元。国际相关机构互联网金融协会推出了相关规范,3月28日,《互联网金融逾期债务催收自律公约(试行)》,公约中明确要求你催收机构要自律约束,对催收不当划定底线。要求在官网上披露催收方式,并且相关数据要保留5年以上;要求催收不能恐吓、威胁和辱骂债务人,不能频繁给债务人打电话。

         也必须给各位青年提个醒,不能因为贪图眼前的利益而去大量现金贷,应该要理性评估借贷公司的政策是否合理,也要反省自己的偿还能力,不能盲目追求一时的花钱痛快,换来长久的悔恨。对于年轻人来说,如果缺钱可以办理正规国家银行信用卡进行消费,如果有现金需求可以刷pos机,有长达40多天的免息期,而且银行政策清晰,安全有保障,经济不宽裕时可以选择最低还款。


 

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