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当前位置:365备用网址 > bet36体育投注 > 从不留神就上套 解读:“套路贷”到底有些啥套路?-产经-财经频道-中工网

从不留神就上套 解读:“套路贷”到底有些啥套路?-产经-财经频道-中工网

作者:www.hdtfe.com 时间:2018-4-30 13:07:49

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导读:从不留神就上套 解读:“套路贷”到底有些啥套路?-产经-财经频道-中工网

结果下半年还不留神就上套 解读:“套路贷”到底有些啥套路?-产经-财经频道-中工网

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分享到:  原标题:标榜有车就能贷到款,合同中设诸多陷阱,未提及收费款项把剩余贷款扣得所剩无几……  “套路贷”就是连环套,你不留神就上套  房贷、车贷、手机贷……如今,买许多东西都能贷款。然而,随之而来的“套路贷”则害了不少人,也成为全国各地警方打击的重点。江北区警方日前破获一个涉嫌敲诈勒索的“套路贷”团伙,从中我们可以看到“套路贷”。  案例  贷款15万最后到手却不到10万  去年6月,有人在微信群里私信李先生,称“只要有车,就能拿到贷款,而且签合同当天就能拿到钱。

”正愁周转资金的李先生用自己的保时捷卡宴轿车作为抵押,向这家位于江北区的贷款公司贷款15万元。

在签合同之前,该公司就很“爽快”地先打款9万元到他的账户上,并表示签订合同后,剩余款项会以现金方式直接支付。  见对方如此耿直,李先生未细看就与他们签订了相关合同,这下噩梦开始了!该公司先以给车辆安装GPS为由,开走了他的保时捷卡宴轿车;然后告知他需要交纳万元的风险保证金,万元的后期管理费,以及2250元首月利息等,共计万元,随后直接从贷款余额中予以扣除。于是,剩下的6万元尾款仅支付给了李先生4000元。

  发现事情不对劲,李先生当即表示要还款取车。

该公司则称,根据合同李先生涉嫌违约,不仅需要缴纳贷款总额20%的违约金,同时在不退还风险保证金等费用的情况下,他必须偿还全部15万元的贷款,否则不会归还车辆。

由于多次交涉无果,最后李先生来到江北区红旗河沟派出所报案。

  “截至去年7月,我们就接到了十余人的报案。

”红旗河沟派出所办案民警向重庆晨报记者介绍,去年7月,江北警方对该公司正式立案侦查。

今年3月,抓获公司相关人员9人,其中4人目前已被检察机关批捕。

  据了解,此案涉及受害者达数十人,涉及金额预计超过100万元,目前该案正在进一步侦办当中。

  解读  “套路贷”到底有些啥套路?  什么是“套路贷”?“套路贷”的过程是怎样的?背后究竟有哪些套路呢?江北区公安局刑侦支队以及红旗河沟派出所的办案民警为记者做了详细解读。

  第1步寻找受害人  该贷款公司的业务员通常会在各种“金融”微信群寻找需要贷款的人,因为这些微信群里的用户大多是接触过贷款或是有贷款需求的人。

  业务员在微信和电话中,不会过多询问借贷人的情况,只是表示“有车就行,就可以贷到款”。

接着,他们会把借贷人带到公司里做评估,其实只是针对借贷人的车进行询问,高档车贷款的额度就比较高,而中低端车型就比较低。

  第2步签署合同  合同里面“暗藏杀机”,也是“套路贷”里套路的开端。

  业务经理让借贷人签订的文书一共有5份:借条、收据、车辆质押合同、风险保证金承诺书和贷款承诺书。

办案民警介绍说,这5份协议文书其实都存在问题,只不过借条、收据的问题比较小,套路主要存在于车辆质押合同、风险保证金承诺书和贷款承诺书这三份文书上。

  民警解释说,首先是车辆质押合同。

一些借贷人并不知道“抵押”和“质押”的区别。

债权人对抵押物不具有直接处置权,需要与抵押人协商或通过起诉由法院判决后完成抵押物的处置;对质押物的处置不需要经过协商或法院判决,超过合同规定的时间债权人就可以处置。

  其次是“风险保证金承诺书”。

“风险保证金”是借贷人受损失最大的一部分。

通常“风险保证金”要占贷款总额的20%—25%。

  “风险保证金承诺书”在表述退还“风险保证金”时,用了“三期”的字样。

借贷人要连续借贷三期,直到第四次才能拿回第一期贷款的“风险保证金”。

而每次贷款,贷款公司都会收取高额的“风险保证金”。

  三是贷款承诺书。

其中的许多条款也暗藏陷阱。

例如“(借贷人)提供的资料不齐全,视为违约……”这些陷阱是为之后的“套路”作铺垫。

  第3步解释费用  在签署合同的同时,业务经理也会向借贷人解释借贷过程中所要支付的款项。

民警说,嫌疑人往往说只需要支付GPS安装费、贷款利息、中介费用,而隐瞒“风险保证金”及“后期管理费”,这两笔钱则是该公司主要的收益来源。

  当借贷人对所签署的合同产生疑问时,嫌疑人就会使用各种方法进行搪塞、隐瞒,使得借贷人稀里糊涂签了字。

为了让借贷人对合同中的陷阱掉以轻心,业务员会现场支付过半的贷款,让借贷人觉得“这家贷款公司靠谱”。

  第4步开走汽车  在借贷人拿到首款后,业务员会以“安装GPS”为由,向借贷人索要车钥匙。

其实业务员并不会给车辆安装GPS,而是直接将车开走用作他用。

当借贷人索要车辆时,业务员会以“GPS还没安装好”等理由拖延时间,直到贷款期限到期。

  第5步支付剩下现金  在支付剩下的第二笔现金时,“风险保证金”、“后期管理费”及一些之前从未提及的收费款项,会把剩下的贷款扣得所剩无几。

以报警人李先生为例,他向该贷款公司借贷15万元,最后只拿到了94000元,但他却要偿还15万元的借贷。

  第6步业务员“考察”  在借贷人拿到贷款后,贷款公司还会派出业务员来到借贷人家中进行“考察”,实则是在刁难借贷人,并在“考察”过程中吃拿卡要,向借贷人再次索要好处费。

  办案民警举例说,有的业务员来到借贷人家中,竟然向屋主索要房产证,屋主拒绝,业务员就以贷款承诺书中“提供的资料不齐全,视为违约……”的条款为由,判定借贷人“违约”。

其实这是在先前的合同中就已经为受害人挖好了坑。

(记者谭遥)。

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