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借3万结果要还800万 当心套路贷陷阱(双语)

2018-04-27 09:57:38 来源:钱江晚报 英语资料下载

  为了帮助大家学习英语,新东方在线小编特为大家准备了双语阅读系列之借3万结果要还800万 当心套路贷陷阱(双语),多多阅读对于提高英语水平是至关重要的,更多英语学习资料欢迎大家随时关注英语学习网http: english koolearn com

  郑女士40来岁,临安人。在朋友眼中,郑女士是“富婆”,有一间营业房、一家服装店,还有拆迁分配到手的500多平方米的安置房……可如今的她身无分文,还欠着上百万元的债。这一切的开始,源于她向套路贷借了3万元钱。

  Ms. Zheng is in her forties. In the eyes of friends, Ms. Zheng is a "rich woman", with a business room, a clothing store, and more than 500 square meters of housing allocated to the house... But now she was penniless and owed millions of dollars. It all started when she borrowed 30, 000 yuan from a routine loan.

  昨天下午,郑女士在杭州警方的陪同下,也来到了发布会现场,讲诉了被骗的经过。

  Yesterday afternoon, Ms. Zheng, accompanied by the hangzhou police, also came to the press conference to tell the story of the fraud.

  “2016年8月,我需要一笔周转的资金,期限是10天。经过中介介绍,我认识了一个寄卖行的朱老板。借3万元,但是10天利息要8000元。我就想这8000元我也拿得出来的,只是周转一下,总比欠人情问别人借好,于是就答应了。”

  "In August 2016, I need a working capital of 10 days. After the introduction of the intermediary, I got to know the boss of a consignment shop. B: it's 30,000 yuan, but the interest is 8000 yuan for 10 days. I think this 8000 yuan I also can take out, just turn over a bit, always be more than indebted to ask someone to borrow good, so agreed."

  朱老板让郑女士签合同,算上保证金、10天的利息、中介费等,总借款金额为5万元,但合同上的金额却是8万元。郑女士有些疑惑,朱老板说这是行规,郑女士便签了,实际到手仅3万元。然而,心大的郑女士还款还是晚了几天,按照合同每天20%的违约金、加上合同本金8万元,郑女士一下子就欠了朱老板十几万元。

  Zhu's boss asked zheng to sign the contract, including the deposit, 10 days of interest, intermediary fee and so on, the total amount of the loan is 50,000 yuan, but the amount of the contract is 80,000 yuan. Ms. Zheng was confused. Zhu said it was a rule, and Ms. Zheng signed it. She actually got only 30,000 yuan. However, Ms. Zheng's repayment was still a few days late. According to the daily penalty of 20% of the contract and 80,000 yuan of the contract, Ms. Zheng immediately owed the boss a hundred thousand yuan.

  “为了偿还违约金,我又先后向朱老板借了7万元、13万元,借款合同按照行规写了25万元。可实际我拿到手才12.5万元,同时还签署了一份长达20年的租房协议,房屋腾退协议和代为开锁委托书作为担保。”

  "In order to repay the liquidated damages, I borrowed 70,000 yuan and 130,000 yuan from zhu, and the loan contract was written in accordance with the regulations. In fact, I got only about 125,000 yuan, and signed a 20-year lease agreement, which is guaranteed by the tenancy agreement and the letter of authorization.

  可借来的钱只够还违约金和利息,并没有解决郑女士的困境。就这样,雪球不断滚动,到了最后,郑女士每期要还2万元的利息及到期偿还本金。

  The borrowed money was only enough to pay the penalty and interest, and did not solve Ms. Zheng's dilemma. In this way, the snowball keeps rolling. At the end of the day, Ms. Zheng will pay RMB 20,000 yuan in interest and repay the principal at maturity.

  此时的郑女士已经无力偿还了。朱老板提出可以介绍新的借款人,为郑女士买断所有外债,签订新的借款合同,这样就可以平账了。在朱老板的忽悠下,郑女士又同意了。

  Ms. Zheng was unable to pay her bills. Zhu proposed to introduce new borrowers, to buy out all foreign debts for Ms. Zheng, and sign new loan contracts, so that the account can be settled. Under zhu's bluff, Ms. Zheng agreed again.

  可这才是最黑暗的开始!通过一系列套路贷的套路操作,郑女士各项借款合同的金额连本带息加上违约金,高达800万元,利息10%!

  But this is the darkest hour! Through a series of routine loans, the amount of the loan contract of Ms. Zheng is as high as 8 million yuan, and the interest is 10%!

  最后郑女士被迫卖了3套房子,得了300万元用于还债,另外的500万元实在还不出来,郑女士为了躲债漂泊在外7个月。“那段时间,觉得自己死不掉,活下去又看不到希望,几乎不出门,也不敢给家里打电话。很想儿子,但不知道怎样去面对儿子……只希望不要再有人上当了。”郑女士说。

  In the end, Ms. Zheng was forced to sell 3 sets of houses, and got 3 million yuan to pay her debts. The other 5 million yuan was not yet available, and Ms. Zheng was out for 7 months to avoid the debt. "During that time, I felt I couldn't die, and I couldn't see any hope of living. I hardly ever went out, and I didn't dare to call home. I miss my son, but I don't know how to face my son... I just hope no one else is fooled." "Ms. Zheng said.

本文关键字: 借3万要还800万

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