Is it illegal to sell electricity loans?

First, is it illegal to sell electricity loans?

It is generally legal to be an intermediary for telemarketing loans.

However, the intermediary institution should be a financial information intermediary company established in accordance with the law and specialized in lending information intermediary business activities.

Lending information intermediaries shall follow the principles of legality, honesty, voluntariness and fairness, provide information services for both borrowers and lenders, safeguard the legitimate rights and interests of both borrowers and lenders, and shall not provide credit enhancement services, directly or indirectly raise funds or illegally raise funds, and shall not harm the national and social public interests. As long as its behavior violates the relevant contents of the Measures for the Administration of Intermediaries, the loan intermediary will still be violated.

legal ground

Article 96 1 of the Civil Code of People's Republic of China (PRC) defines an intermediary contract as a contract in which the intermediary reports the opportunity to conclude a contract to the client or provides media services for concluding a contract, and the client pays remuneration.

Article 962 of the Civil Code of People's Republic of China (PRC) * * * The reporting obligation of the broker shall truthfully report to the client the matters related to the conclusion of the contract. If the broker intentionally conceals important facts related to the conclusion of the contract or provides false information, which harms the interests of the client, he shall not ask for payment of remuneration and shall be liable for compensation.

Second, whether telemarketing loans will touch the law.

Who believes you? Do you know who needs a loan, just for reference? Personal understanding. This is not cheating.

And then what? unreasonable

Let's see what others say.

Third, why grasp the loan sales?

The reason for grasping the sale of loans by electricity is that these salespeople have seriously affected the normal life of some people, and there are many illegal acts. There is no legal basis to provide you with a phone number. When you call the other party and ask if you want a loan, the other party will make an appointment with the customer if it is needed, and the customer will continue to make the next payment if it is not needed, which has seriously affected the normal life of some people.

One,

First, overdue repayment will affect the money borrowed from the bank. If the overdue repayment fails, your personal credit report will leave a bad credit record. It is very difficult to apply for credit cards and loans in the future, and most of them will be rejected, which will cause many troubles to personal production and life.

Second, the most direct consequence of not paying back the credit loan is that you have to pay a certain penalty. Even the principal and interest add up to a lot of expenses, and the result of not repaying on time is to increase my economic pressure.

Third, in loans overdue, the lender will face all kinds of collection. After the bank and lender are overdue, the primary collection will send you a text message and call you to remind you. If the fruit is heavy in the morning, there will even be a collector to collect it face to face. This overdue period, we must find a way to pay off the money as soon as possible.

Fourth, if the loan is overdue for a long time and the amount is large, the lender may be subject to financial institutions. After acceptance, the court has pronounced that the lender's assets may be sealed up. This is the "repayment reward" that the lender must implement, otherwise the property and other assets under your name will be sealed up according to law, and the proceeds from the auction will be used to repay the arrears.

Will go to jail. Under normal circumstances, such incidents as borrowing money and not paying it back are civil and will not rise to the criminal level. However, if some lenders refuse to perform and insist on poor performance, the borrower will also be investigated for criminal responsibility. Depending on the situation, those with serious circumstances will go to jail.

Second, the loan matters needing attention

1. Loan amount:

The larger the loan amount applied by Ye Dan, the higher the possibility of rejection. At the same time, borrowers have to apply for excessive supply in combination with their repayment ability, resulting in economic pressure.

2. Loan information:

The borrower must ensure that the information he provides to the lending institution is true and credible, and the lending institution will directly refuse the loan.

3. The purpose of the loan:

When filling in the loan purpose, the borrower should write down the loan purpose frankly and clearly, which will make it easier to pass the examination.