High interest rates, violent collection, bare-bones lending, this is the impression that the campus loan has given people the most left in recent years, and the news that college students are trapped in the “quagmire†is also frequently reported.
According to the China Business Daily reported on July 9, for the Apple mobile phone, 19-year-old girl Xiaomin (a pseudonym) borrowed 12,500 yuan from "campus loans." If the money is not enough, it will be borrowed from other campus loans. After 8 months, the money has “rolled†into 230,000 yuan.
According to reports, Xiaomin's father is a farmer and his family lived on a few acres. His income was less than 20,000 a year. "I took my tuition fees back and I didn't dare to go to school now." Xiaomin said she knew she had made a big mistake. However, people who borrowed money to call her all day to force her debts, and even someone who sent her nude pictures after PS to her classmates and relatives and friends, and threatened to tell the teacher that she was very scared. Xiaomin said that she had heard of "death and debt" and the idea of ​​evading repayment by death.
“At first it was a small loan, which was more than 1,000 yuan. It was still for her. Later, someone called to call for debt. I learned that her daughter owes more than 100,000 yuan.†Mr. Li, the father of Xiaomin, said that he Before and after the patchwork gave her daughter 170,000 yuan, but according to the loan agreement, there are still more than 50,000 yuan.
It is understood that the initial motivation for Xiaomin's campus loan was for an Apple 6S plus. Since his father’s monthly living expenses are only fixed at 900 yuan, Xiaomin could not open his father’s mouth to face five or six thousand yuan. One day, Xiaomin suddenly discovered that someone in the school group said he could loan a small loan and repay it in installments. The other party said that as long as the monthly repayment of the money is only a few hundred yuan, he will be able to return to the province and work again, and Xiao Min will move. Later, she added each other's WeChat to an intermediary company near the provincial stadium and borrowed the first money.
"At that time, I borrowed 6,500 yuan, reached 4,000 yuan, and 2,500 yuan were given to an intermediary." Xiaomin said that 4,000 yuan was not enough to buy an Apple mobile phone. Driven by vanity, she borrowed 6,000 yuan from another company. Only get 4,000 yuan. Both of these moneys are paid in installments, with the first 24 instalments, each worth 426 yuan; the second is 12 instalments, each paying 845 yuan.
After borrowing money, Xiaomin’s nightmare began. On the day of the first repayment, Xiaomin was dumbfounded and he could not even have the money. Because she did not dare to tell her family, she began to borrow money to pay back the money and demolished the Western Wall, like other students who had borrowed the “campus loan.†In order to return the first loan, he began to use the second pen, but he did not continue to refinance the third and fourth pen....in just 8 months, Xiaomin borrowed money from more than 30 campus lending institutions. However, the more money borrowed, the more it is still unclear.
Yesterday, Xiao Min calculated an account for the reporter. Before and after her loan totaled more than 110,000 yuan, she only got more than 70,000 yuan. However, she summed up the principal and interest of all borrowing, and she had to return a total of 230,000 yuan. yuan.
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