龙岩人注意，各大银行贷款政策收紧，点网贷能“远水解渴”吗？
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">关注武平同城网，并回复</span><span style="color: black;">招聘</span><span style="color: black;">进招聘群；<span style="color: black;">回复 <span style="color: black;">拼车</span>进武平各县区拼车群；回复</span><strong style="color: blue;"><span style="color: black;">动车</span></strong><span style="color: black;"><span style="color: black;">查找</span>武平动车站时刻，</span></span><span style="color: black;">并加高铁站拼车群</span><span style="color: black;"><span style="color: black;">；回复</span><strong style="color: blue;"><span style="color: black;">汽车站</span></strong><span style="color: black;">网上订车票；回复</span><strong style="color: blue;"><span style="color: black;">县医院</span></strong><span style="color: black;">进行网上挂号预约，回复<span style="color: black;"><strong style="color: blue;">十方</strong></span>加武平十方乡镇群，</span>以此类推</span></span><span style="color: black;">............................................................................</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">银行贷款政策收紧！某地<span style="color: black;">非常多</span>助贷<span style="color: black;">公司</span>撑不下了，<span style="color: black;">原由</span>是为了降低金融<span style="color: black;">危害</span>，银行放款<span style="color: black;">要求</span>变严格了，<span style="color: black;">非常多</span>去年能批的<span style="color: black;">要求</span>，今天下不来了。怎么办？<span style="color: black;">近期</span>，龙岩一网民在网上“试手气”申请网贷，结果<span style="color: black;">上当</span>2.8万元。骗子发来的app竟是钓鱼软件。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="//q8.itc.cn/q_70/images03/20240913/034d1a022f8d4524841afc2b63741d0f.jpeg" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">博主</span>提醒，网贷碰不得，诈骗分子手段<span style="color: black;">非常多</span>！即使是<span style="color: black;">有些</span>正规的网贷，<span style="color: black;">亦</span>是<strong style="color: blue;">额度低，利息高，点多了还会弄花征信</strong>。如今各大银行收紧贷款，<span style="color: black;">大众</span>贷款千万别饥不择食，<span style="color: black;">能够</span>添加 <span style="color: black;">wpwb666</span>，或直接扫码进入本地正规金融信息交流群。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">编者按：</span><span style="color: black;"><span style="color: black;">近期</span>，<span style="color: black;">博主</span>看到<span style="color: black;">非常多</span>急需钱的<span style="color: black;">伴侣</span>贷款<span style="color: black;">上当</span>案例，问题在于<span style="color: black;">她们</span>“病急乱投医”，寻找网上<span style="color: black;">有些</span>不<span style="color: black;">可靠</span>的人<span style="color: black;">引起</span><span style="color: black;">上当</span>。骗子<span style="color: black;">经过</span>受害人<span style="color: black;">供给</span>的银行卡和验证码等方式，<span style="color: black;">违法</span>获取受害人钱财。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">在龙岩从事10<span style="color: black;">数年</span>助贷的翁女士对<span style="color: black;">博主</span>说，本地一女子李某急需15万元，之前乱点网贷屡屡被拒还弄花征信。<span style="color: black;">而后</span><span style="color: black;">经过</span>龙岩本地xx银行的<span style="color: black;">途径</span>，成功申请到手！李某感叹还是要现实总申请<span style="color: black;">可靠</span>。比自己<span style="color: black;">茫然</span>申请要好。胡乱申请，胡乱点击，不仅浪费时间，还弄花征信和大数据，<span style="color: black;">引起</span>审批更加困难。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">青年</span>人的噩梦，某些网贷<span style="color: black;">隐匿</span>巨大陷阱</strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">“这些信息都<span style="color: black;">无</span>提前<span style="color: black;">通知</span>我，要<span style="color: black;">否则</span>我<span style="color: black;">亦</span>不会借款。更何况<span style="color: black;">她们</span>还在<span style="color: black;">宣传</span>中宣<span style="color: black;">叫作</span>‘无手续费’‘无其他任何<span style="color: black;">花费</span>’，这不是骗人吗？！”李灵懊恼地说道。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">记者<span style="color: black;">近期</span>调查<span style="color: black;">发掘</span>，这些平台<span style="color: black;">一般</span>不具备<span style="color: black;">关联</span>资质，却宣<span style="color: black;">叫作</span>自己为网络借贷信息<span style="color: black;">中间商</span>，以<strong style="color: blue;"><span style="color: black;">信息审核费、管理费、服务费</span></strong>等名义收取<span style="color: black;">花费</span>，有意隐瞒超高利率，存在“砍头息”等现象，收费不透明、设置种种陷阱，不少<span style="color: black;">青年</span>人因缺乏金融知识<span style="color: black;">上当</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">龙岩一名资深信息<span style="color: black;">中间商</span><span style="color: black;">机构</span>人员说，网上贷款看似方便，其实<span style="color: black;">已然</span>让<span style="color: black;">非常多</span><span style="color: black;">青年</span>人不堪重负，还不如现实中去申请。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">贷款需要找<span style="color: black;">中间商</span>吗？<span style="color: black;">倘若</span>找<span style="color: black;">中间商</span>有<span style="color: black;">招数</span>吗</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">针对</span>这个问题，<span style="color: black;">无</span>标准答案。这就好比你打算结婚，<span style="color: black;">倘若</span>自身<span style="color: black;">要求</span>好，<span style="color: black;">能够</span><span style="color: black;">不消</span>媒人自己去寻找<span style="color: black;">女子</span>子，<span style="color: black;">亦</span>照样能<span style="color: black;">选取</span>到理想对象。但<span style="color: black;">倘若</span>你<span style="color: black;">选取</span>了婚介<span style="color: black;">机构</span>，可能的<span style="color: black;">状况</span>是，可<span style="color: black;">选取</span>的<span style="color: black;">要求</span>优越的<span style="color: black;">女子</span>子<span style="color: black;">更加多</span>，<span style="color: black;">能够</span>找到最<span style="color: black;">优秀</span>的<span style="color: black;">女子</span>子匹配。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">贷款<span style="color: black;">亦</span>是<span style="color: black;">同样</span>。当前国内银行种类<span style="color: black;">非常多</span>。<span style="color: black;">包含</span>：国有大型<span style="color: black;">商场</span>银行、全国性股份制<span style="color: black;">商场</span>银行、城市<span style="color: black;">商场</span>银行、农村<span style="color: black;">商场</span>银行、外资银行、政策性银行非常多的银行，而这些银行<span style="color: black;">区别</span>时期又推出<span style="color: black;">区别</span>的贷款<span style="color: black;">制品</span>，而<span style="color: black;">中间商</span>对这些<span style="color: black;">制品</span>非常<span style="color: black;">熟练</span>。<span style="color: black;">她们</span><span style="color: black;">晓得</span>哪款<span style="color: black;">制品</span>最适合你，审批<span style="color: black;">经过</span>概率高，下款快。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">那有人会问，我一家家银行试不行吗？</strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">能够</span>，<span style="color: black;">然则</span>银行审批流程<span style="color: black;">繁杂</span>，您付出的精力和等待可能很漫长。银行审核对你公事公办，可批可不批的，都按正常流程。你每试一次系统都会记录一次征信<span style="color: black;">查找</span>，查询次数越多对后面审批越<span style="color: black;">有害</span>。<span style="color: black;">倘若</span><span style="color: black;">要求</span>不太好，可能<span style="color: black;">所有</span>银行弄了一圈，结果什么都<span style="color: black;">无</span>批下来。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">居间服务（贷款<span style="color: black;">中间商</span>）有<span style="color: black;">那些</span>，<span style="color: black;">怎样</span><span style="color: black;">选取</span>？<span style="color: black;">怎样</span>避坑？</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">市面上的<span style="color: black;">中间商</span><span style="color: black;">亦</span>良莠不齐，<span style="color: black;">大众</span><span style="color: black;">必定</span>要擦亮眼睛！<span style="color: black;">中间商</span>分为以下几种类型：（<span style="color: black;">本文来自龙岩金融<span style="color: black;">科研</span>人士原创网文<span style="color: black;">，作者<span style="color: black;">微X</span></span></span><span style="color: black;">zhong20311</span>）</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">1、假<span style="color: black;">中间商</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">这类<span style="color: black;">中间商</span>会信誓旦旦地保证，什么<span style="color: black;">要求</span>都不要，不管你白户黑户，<span style="color: black;">她们</span>内部有人，包成功。前提是要你先交钱，索取前期<span style="color: black;">花费</span>去“包装运作”，收到<span style="color: black;">花费</span>就拉黑。<span style="color: black;">严格说这类人连黑<span style="color: black;">中间商</span>都算不上，它们<span style="color: black;">便是</span>纯粹的诈骗分子。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">2、黑心<span style="color: black;">中间商</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">这类<span style="color: black;">中间商</span>可能有合法的<span style="color: black;">机构</span>外衣，<span style="color: black;">然则</span>收取的居间服务<span style="color: black;">花费</span>高得离谱。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">① 正规银行申请不下，就动员你去申请网贷<span style="color: black;">制品</span>。让你付出<span style="color: black;">巨额</span>的利息和服务费。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">② 让你去申请车贷，房产抵押，财产抵押等等，收取砍头息，<span style="color: black;">各样</span>杂七杂八的<span style="color: black;">花费</span>，利息巨高，最后贷款人到手寥寥无几。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">③ 更有<span style="color: black;">乃至</span>，极<span style="color: black;">少许</span>黑心<span style="color: black;">中间商</span>搞AB贷，这个就涉嫌违法违规。您完全<span style="color: black;">能够</span>举报<span style="color: black;">她们</span>！</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">所说</span>AB贷，<span style="color: black;">便是</span>某些违规<span style="color: black;">中间商</span>，说你征信<span style="color: black;">欠好</span>，要找一个征信良好的亲属<span style="color: black;">帮助</span>申请贷款。其实<span style="color: black;">便是</span>让你亲属进行资料填写人脸识别等，<span style="color: black;">最后</span><span style="color: black;">以他的名义申请到贷款<span style="color: black;">而后</span>转到你账户</span>。这个是违法的，<span style="color: black;">外区</span>已有黑<span style="color: black;">中间商</span>被判刑。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">3、正规合法<span style="color: black;">中间商</span>（居间服务）</strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">正规的<span style="color: black;">中间商</span><span style="color: black;">供给</span>贷款咨询和<span style="color: black;">区别</span><span style="color: black;">制品</span><span style="color: black;">意见</span>，<span style="color: black;">途径</span>助贷。<span style="color: black;">她们</span>有门店或办公场所，有合法资质。<span style="color: black;">她们</span><span style="color: black;">帮助</span>办理的贷款成功率高，下款时间快。这类<span style="color: black;">机构</span>的存在<span style="color: black;">拥有</span><span style="color: black;">恰当</span>性，但<span style="color: black;">亦</span>不可能100%都能<span style="color: black;">帮助</span>成功。<span style="color: black;">亦</span>要看你<strong style="color: blue;"><span style="color: black;">个人征信，负债，<span style="color: black;">查找</span>次数</span></strong>等等。<span style="color: black;">而要养好这三大<span style="color: black;">基本</span><span style="color: black;">要求</span>，您要<span style="color: black;">尽可能</span>避免逾期，不乱点网贷，<span style="color: black;">尤其</span>不要有当前逾期。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">网贷<span style="color: black;">可靠</span>吗，手机上的网贷<span style="color: black;">宣传</span><span style="color: black;">能够</span>点吗？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">有些</span>粉丝<span style="color: black;">伴侣</span>问，网贷<span style="color: black;">可靠</span>吗？<span style="color: black;">针对</span>网贷<span style="color: black;">是不是</span><span style="color: black;">可靠</span>这个问题，<span style="color: black;">博主</span>的观点认为：正规网贷是<span style="color: black;">可靠</span>的，<span style="color: black;">例如</span>官方<span style="color: black;">举荐</span>的网贷<span style="color: black;">宣传</span>，肯定是合法的。<span style="color: black;">然则</span>，随手一点就能到账的网贷，你要<span style="color: black;">重视</span>以下几点：</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">① 利息很高。</span><span style="color: black;">网贷的真实年化率因平台和<span style="color: black;">制品</span>而异，但<span style="color: black;">广泛</span>落在<span style="color: black;">必定</span>范围内。近年来，随着金融市场的波动与政策<span style="color: black;">调节</span>，网贷平台的年化利率虽然呈现<span style="color: black;">必定</span>波动性，但总体维持在一个相对稳定的区间内。<span style="color: black;">按照</span>最新市场数据，网贷年化利率<span style="color: black;">广泛</span>在8%至36%之间。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">值得<span style="color: black;">重视</span>的是，我国法律规定民间借贷最高年利率不得超过36%，超过的部分属于<span style="color: black;">违法</span>的利息，<span style="color: black;">能够</span><span style="color: black;">不消</span>偿还；网贷年利率在24%到36%的部分，属于自然债务区，<span style="color: black;">倘若</span>还没还款，<span style="color: black;">能够</span><span style="color: black;">不消</span>还，<span style="color: black;">倘若</span><span style="color: black;">已然</span>还了，则无权<span style="color: black;">需求</span>退回；网贷年利率在24%以内的部分，则是合法的，必须偿还。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">② 额度较低，越往后申请越难。</span><span style="color: black;">经常点网贷的<span style="color: black;">伴侣</span>，都会<span style="color: black;">发掘</span>自己的征信慢慢地就弄“花”了。刚<span style="color: black;">起始</span>觉得很容易下款，真的有秒到感觉。后来拆东墙补西墙，<span style="color: black;">发掘</span>越来越难申请了。有的<span style="color: black;">乃至</span>500元都申请不下来。这是<span style="color: black;">为何</span>呢？</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">即使<span style="color: black;">无</span>逾期，<span style="color: black;">然则</span>您经常点网贷申请，您的征信中有<span style="color: black;">海量</span>网络贷款审批<span style="color: black;">查找</span>记录，会直接<span style="color: black;">引起</span>个人征信被弄花。<span style="color: black;">例如</span>你一天点击多个网贷，被拒绝了。等你自己申请银行贷款时，银行大概率<span style="color: black;">亦</span>会拒绝你。这是<span style="color: black;">为何</span>？</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">打个通俗的比方，<span style="color: black;">倘若</span>某个人在村里经常向别人借钱，连5元10元都借，关键还借不到。想想看，您敢借钱给他吗？</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">好了，今天就说这么多。有疑问欢迎留言。关注我，个人金融知识不迷路，欢迎交流。</span><a style="color: black;"><span style="color: black;">返回<span style="color: black;">外链论坛： http://www.fok120.com</span>，查看<span style="color: black;">更加多</span></span></a></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">责任编辑：网友投稿</span></p>
论坛是一个舞台，让我们在这里尽情的释放自己。 楼主发的这篇帖子，我觉得非常有道理。 我完全同意你的看法，期待我们能深入探讨这个问题。 楼主节操掉了，还不快捡起来！
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