Secret black campus loans: borrow 10,000 5,000, service amazing-net credit, college students-IT information
Now, more and more financial products into the campus of the University, such as staging high-tech products such as mobile phones and computers. Because there is this requirement of college students, but had struggled in school, no sources, want to satisfy your needs, many students choose a loan, and then every month for loan repayment by instalments, both got what they wanted, can also reduce your stress. However, this thing really so convenient?
According to the life of Shandong broadcasting TV station life channel reported, messages to the parents of college students in Henan province said: " mum and dad, son, I'm sorry you, I really can't go out, I found a lot of effort without results, I am sad, MOM and dad and I jumped, don't give me your body, shame, parents here, cattle and horses in return you . ”
This message is a College sophomore Henan Zheng a message sent to father. Chung before and after the fraudulent use of identity of the 28 students, from more than 10 finance companies lent more than 600,000, for gambling. Lost money, as a student unable to pay, under great economic pressure, he committed suicide. Now on the University campus, student campus loans would really choose it ?
Found in in an interview with reporters, University students in choosing such a loan, but it's only the case, is not a common phenomenon, Deputy to the live help after many setbacks, find one who are using the campus students.
Campus credit side wanted to get money easy
Yantai a University is using campus loan of students small King (pseudonym): "Qian paragraph time, wants to for a phone, but hand Shang and no so more money, on select has campus staging, such both meet has himself of needs, himself also no too big of pressure, and like handle campus loan also is simple, on need I of ID and students card information, again fill several phone number on can has, General phone also are not playing. ”
Really like what the student loan so easily? Reporters found in schools, campuses staged shopping and business loan posters everywhere, above the tagline, and very low interest rates is very seductive, what about school loans how to handle? Call from reporters trying to dial on the flyers.
Campus loan company said: "need ID cards, student cards, bank cards, have to fill your parents call, call from your instructor, and four classmates phone. "The other said, undergraduate student loan of 30,000 yuan, maximum 18 months repayment.
Staging for all staff, told reporters: "need your ID card, student ID card, no student ID card, student card can also be replaced, and your network, these three photos is a must, after the upload, you bind your teller bank card, they would give the money to your bank card. ”
Information is difficult to verify the registration number into the device?
Campus loan posters everywhere, in school as long as college students with ID cards student cards can be lent out loans ranging from 5,000 to 30,000 lines. These loan companies do not need to be authenticated, can you loan out?
Everyone staging work people said: "we company audit had has, will has 1% of checks, 1% of checks of when, he will asked, is 010 beginning of a eight bit number of landline playing of, then he will said we is Beijing global IELTS of, you needed not need to you of children candidates registered for the IELTS, or is training, he will to such of way for visit, if you of parents directly reply not need, he on hanging has, need words, he will said that I to you do about simple of registration, on line has, Students tell the teacher won't play, because useless. ”
According to a campus staging company staff said, When you visit to verify, does not inform the students ' parents, and as long as the phased software downloads to mobile phones, according to the instructions in the operation, loan money directly into the binding bank card . In the investigation, the reporter also learned, many loan companies engaged in campus students at Campus agent.
Yantai a University campus loan students agent small Lee (pseudonym) told Reporter: "students staging these app of publicity single in we school is often issued of, is everywhere, over time of, on penetration to we students among has, so said, purchase this students staging APP also is compared more of, because students now and no what economic source, and for face various reasons, staging also can reduce they of pressure, so said, this in school also is is widely of. ”
Student agent told reporters that now more and more students choose the staging shopping, but when you choose to purchase, there are indeed some hidden problems.
Insider loans hidden service fees
Small Lee (pseudonym) said: "app Shang of students staging, it is only marked has phone original of price, and by points of period number, each a period by make of money, but it and no is directly of said to, it this phone, exists with each period will exists of interest and service fee, on to students caused has a illusion, buy has zhihou, actual plus procedures fee and interest, to spent out more of money. ”
Journalists in the survey found that many campus staging platform each month pay back will charge some fees, according to the loan amount and the number of stages, and fees are different for each month.
Yantai University are using campus loan student Wang (not his real name): "I've loaned three times, credits 2000 Yuan for the first time, because it is the first time running this thing, do not charge any handling fees, the second loan was 700 dollars, 3 phase, Handling fee per extra 10.19, third loan for 2500 per month extra 32.16, I think this is acceptable, each month's pressure is not very big, but I also heard that some amount larger than generally mean students loans, fees will be high. ”
Campus venture loans, are seeking higher interest and fees, things really are like this? Journalists decided to go to see for yourself. Yantai, a network consulting company staff told reporters: "this information is relatively simple, an ID card, a student ID card and a bank card on the line. ”
Staff also said: "lift a example, you loan has 30,000 block money, interest is 5,000, total 30,005, repayment words, is 30,005 divided by, analogy you also 12 months's, 30,005 divided by 12, you a months also how many money out has, has may you late a days or two days, late certainly has penalty of this, plenty of day ten block, day 20, with Bank as, Bank is such charges of. ”
Although the need to fill out a parent's phone, but it would not carry out confirmation of the information, as long as they can get through. Personal information and verification of solvency, basically is a form. Insiders claimed, in fact, at the time of repayment, the monthly service fee of the part required. Live help journalists to experience, but company officials say, the loan amount plus interest, divided by staging periods, is the monthly amount, nor any fee.
Listen, really exciting, that it's really so simple?
Yantai a network advisory company staff told Reporter: " 10,000 block money, company in inside will received 2000 block money of margin, this 2000 block money of margin, if customer is on time repayment words, this 2000 block money is will returned to he of, 10,000 block money actually hand words is 8,000 block money, I this surface is received points of, I this surface received 25 a points, added 200 block money procedures fee . ”
According to the head of the company's claims, if the loan amount is 10,000 yuan, except minus bond charged with 25% of service fees and handling charges, only the students actually get more than 5,000 yuan.
Staff also said: " 10,000 dollars, which is five dollars, but in fact it is 7,000, since 2000 dollars is neither here, nor is there, the 2000 dollars at the headquarters . "The other added:" other than the I phone call, other calls will be not to play, in that case, you can fake, such as parents, we are students, we often call, that my parents can write your telephone. ”
Staff said, just fill in the basic information is true, reserved phones to be able to get through, the loan will soon deposit the registration card in the, and a loan of student information is available in a number of companies at the same time.
Half an hour to approve overdue credit is not affected?
Staff told reporters that the review time for half an hour, 80% can pass. And, according to what the staff said, but also will not be reflected on your credit report will only call parents, generally there's little risk. This reporter wondered, where the loan this money come from?
On this, Yantai a network advisory company staff said: "not belongs to Bank, belongs to company to became this money, is similar Yu Bank, but it not legal, Bank is legal of, why it not Shang levy letter, because he not legal, he no right Shang levy letter, Bank why Shang levy letter, because Bank is legal of, campus loan Shang levy letter should not more. ”
They admit are illegal, then why give to university students loans? Loan amount will take 25% as a service fee is reasonable? Campus loans really work for you?
Shandong Xin scholar Ming lawyer firm lawyer junkai Wang analysis think: " from lending people of angle, if said campus loan agent company he itself is lending people, or lending people of subordinates company, in this case Xia, he in lending payments of when, buckle take high of intermediary costs, actually is not legal of , is not by legal protection of, equivalent to he disguised of reduced has lending payments of amounts, in this situation Xia, College students are under no obligation to follow their contract money to pay interest, but according to the amount actually received, within the limits of legal protection, which is payable semi-annually in the twenty four-eighths range, pay interest to the lender. ”
揭秘黑心校园贷：借1万到手才5千，服务费惊人 - 网贷,大学生 - IT资讯
现在，越来越多的金融产品走进了大学校园，比如什么分期买手机和电脑等高科技产品。因为大学生会存在这种需求，但是又苦于还在上学，没有经济来源，想满足自己的需求，很多的学生会选择贷款，然后再每个月分期还款，既得到了自己想要的东西，还可以减轻自己的压力。但是，这个东西真的就这么方便吗？
据山东广播电视台生活频道《生活帮》报道，河南大学生给父母的短信里称：“爸妈，儿子对不起你们，我真的撑不下去了，我发现好多努力没有结果，我心痛，爸妈我跳了，别给我收尸体，太丢人，爸妈，来世做牛做马报答你们。”
这条信息，是河南一高校大二学生郑某发给父亲的短信。郑某前后冒用28名同学的身份信息，从十几家贷款公司贷出了60余万，用于赌球。输光了钱后，作为一名学生无力偿还，在巨大的经济压力下，他选择了自杀。现如今在大学的校园里，学生真的会选择校园贷款吗？
记者在采访中发现，大学里会有同学选择这样的贷款，但还只是个例，并不是普遍的现象，生活帮帮办几经周折，也找到了一位正在使用校园贷款的同学。
校园贷就在身边想弄钱很容易
烟台某大学正在使用校园贷款的学生小王（化名）：“前段时间，想换一个手机，但是手头上又没有那么多钱，就选择了校园分期，这样既满足了自己的需求，自己也没有太大的压力，而且像办理校园贷款也很简单，就需要我的身份证和学生证信息，再填几个电话号码就可以了，一般电话也都不会打。”
贷款真的像这位同学所说这么容易吗？记者在学校里发现，校园分期购物和创业贷款的宣传海报随处可见，上面的宣传标语和给出很低的利息让人非常心动，那校园贷款要怎么办理呢？记者尝试着拨通了宣传页上的电话。
校园贷款公司工作人员称：“需要身份证、学生证、跟银行卡，还要填你父母的电话，你辅导员的电话，还有四个同学的电话。”对方称，本科学生可贷3万元，最长可以分18个月还款。
人人分期工作人员告诉记者：“需要您的身份证、学生证，没有学生证的话，学生卡也可以代替，还有您的学信网，这三个照片是必须的，上传之后，您绑定好您取款的银行卡，到时候就把钱打到你的银行卡了。”
信息难验证登记号码成摆设？
校园贷款的宣传海报随处可见，在校的大学生只要凭借身份证学生证就可以贷出五千至三万不等额度的贷款。那难道这些校园贷款的公司都不需要进行身份验证，就能把贷款放出来吗？
人人分期工作人说：“我们公司审核过了，会有百分之一的抽查，百分之一的抽查的时候，他会问，是010开头的一个八位数的座机打的，然后他会说我们是北京环球雅思的，您需不需要给您的孩子报考雅思，或者是培训，他会以这样的方式进行回访，如果您的家长直接回复不需要，他就挂了，需要的话，他会说那我给您做一下简单的登记，就行了，同学跟老师的肯定不会打的，因为没用。”
根据某校园分期公司的工作人员说法，进行回访验证的时候，并不会告知学生父母，而且只要把分期软件下载到手机，根据上面的提示进行操作后，贷出来的钱就会直接存进绑定的银行卡中。在调查中，记者还了解到，很多从事校园的贷款的公司在校园里都会有大学生代理。
烟台某高校校园贷款学生代理小李（化名）告诉记者：“学生分期这些app的宣传单在我们学校也是经常发行的，也是随处可见，久而久之的，就渗透到我们学生之中了，所以说，购买这个学生分期APP还是比较多的，因为大学生现在并没有什么经济来源，又出于面子各种原因，分期还能减轻他们的压力，所以说，这个在学校还是挺广泛的。”
学生代理告诉记者，现在越来越多的同学选择分期购物，但是在选择分期购买时，也确实存在着一些隐藏的问题。
知情人透露贷款中暗藏服务费
小李（化名）说：“app上的学生分期，它是只标明了手机原有的价格，以及所分的期数，每一期所交的钱，但是它并没有很直接的说出来，它这个手机，存在着每一期都会存在的利息和服务费，就给学生们造成了一种错觉，买了之后，实际加上手续费和利息，要花费出更多的钱。”
调查中记者发现，很多的校园分期平台在每个月还款的时候，都会收取部分手续费，根据贷款金额和分期数，每个月的手续费也是不同的。
烟台某大学正在使用校园贷款的学生小王（化名）：“我一共贷了三次，第一次贷了2000块钱，因为是第一次办这个东西，不收取任何手续费，第二次贷了700块钱，分3期，还每期多交10.19的手续费，第三次贷了2500，每个月多交32.16，我觉得这个还是可以接受的，每个月还的压力也不是很大，但是我也听说有的金额比较大的，一般是说大学生创业贷款，手续费会很高。”
打着校园创业贷款，却牟取高额的利息和手续费，事情真的是这样吗？记者决定去亲身体验一下。烟台某网络咨询公司工作人员告诉记者：“这个资料比较简单一些，一个身份证，一个学生证，再一张银行卡就行了。”
工作人员还表示：“举个例子，你贷了三万块钱，利息是五千，总共三万五，还款的话，就是三万五除以，比方你还12个月吧，三万五除以十二，你一个月还多少钱出来了，有可能你逾期一天或者两天，逾期肯定有违约金的这个，有的是一天十块，一天二十，跟银行一样，银行也是这样收费的。”
虽然需要填写父母的电话，但是并不会进行信息的确认，只要是能打通电话就可以。个人的信息和偿还能力的验证，基本就是走个形式。知情人爆料，其实，在还款的时候，每月还需要承担一部分的服务费。生活帮记者去亲身体验一番，但是公司的工作人员说法是，贷款的金额加上利息，再除以分期的期数，就是每月要还的金额，也不存任何的手续费。
听着还真挺让人心动，那事情真的这么简单么？
烟台某网络咨询公司工作人员告诉记者：“一万块钱，公司在里面会收两千块钱的保证金，这两千块钱的保证金，如果客户是按时还款的话，这两千块钱是会返还给他的，一万块钱实际上到手的话就是八千块钱，我这面是收点的，我这面收25个点，加200块钱手续费。”
根据该公司负责人的说法，如果贷款金额是一万元的话，除去扣除的保证金跟要收取的百分之二十五的服务费和手续费后，学生实际到手的只有五千多块钱。
工作人员还表示：“一万块钱，到手也就是五千来块钱，但实际上是七千，因为有两千块钱既不在我这儿，也不在他那儿，这两千块钱是在总部那边。”对方补充说：“除了打本人电话之外，其他电话一律不打，这样的话，就可以造假了，比如说父母这方面，咱俩是同学，咱俩经常打电话，那我父母可以写你的电话。”
工作人员说，只要填写的基本信息是真实的，预留的电话能够打通，贷款就会很快的存进登记的银行卡中，而且，一个学生的信息可以在多家公司同时进行贷款。
半小时审核逾期征信不受影响？
工作人员告诉记者，审核时间半个小时，百分之八十都能通过。而且，按照工作人员的说法，不还也不会体现在征信报告上，只会给父母打电话，一般没有什么风险。这让记者非常纳闷儿，那贷款的这个钱又是从哪里来的呢？
对此，烟台某网络咨询公司工作人员称：“不属于银行，属于公司往外放这个钱，就是类似于银行，但是它不合法，银行是合法的，为什么它不上征信，因为他不合法，他没有权利上征信，银行为什么上征信，因为银行是合法的，校园贷款上征信应该不多。”
自己都承认是不合法的，那为什么还在大张旗鼓的给大学生贷款呢？在贷款金额中还要抽取百分之二十五作为服务费，是合理的呢？这样的校园贷款，真的靠谱吗？
山东鑫士铭律师事务所律师王俊凯分析认为：“从出借人的角度，如果说校园贷款代理公司他本身就是出借人，或者出借人的下属公司，在这种情形下，他在出借款项的时候，扣取高额的中介费用，实际上是不合法的，也是不受法律保护的，相当于他变相的减少了出借款项的数额，在这种情况下，大学生是没有义务按照他们合同约定的款项来支付利息的，而是按照实际得到的款项，在法律保护限度之内的，也就是年息八分之二十四的范围内，向出借人支付借款利息。”