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1.预收贷款利息。借款人在办理贷款时,信用社按季或按借款合同约定的期限预收贷款利息。 2.借款人提前归还贷款,信用社不退还提前部分预收的贷款利息。 3.压缩借款期限,造成贷款逾期。信用社不按照借款人资金周转周期发放贷款,而是在签定借款合同时尽量压低借款期限,借款人如未按期归还贷款,则将贷款转入逾期贷款帐户,按逾期贷款利率收取贷款利息。 4.制造借口加罚利息。签定借款合同时,信
1. Advance loan interest. When the borrower is handling the loan, the credit cooperative shall pre-lend the loan interest on a quarterly basis or according to the term as agreed in the loan contract. 2. The borrower repays the loan ahead of schedule, and the credit union will not refund the loan interest advanced in advance. 3. Compression of the loan period, resulting in loans overdue. Instead of issuing loans in accordance with the borrower’s capital turnover cycle, credit unions try to depress the loan period as much as possible when signing a loan contract. If the borrower fails to repay the loan on schedule, the loan will be transferred to an overdue loan account and the loan interest will be charged at the overdue loan interest rate. 4. Make an excuse to increase the penalty interest. When signing a loan contract, letter