अकाउंट खाली कर देंगे नकली Loan Apps...

Aishwarya Awasthi Jun 02,2024

एक वक्त पर लोन अप्रूव होने में लंबा वक्त लगता था.

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कई दिनों के वेरिफिकेशन के बाद ही लोन अप्रूवल मिलता था.

[{"selector":"#anim-e596ad1c-0f7c-49e1-b144-3ea5d14366a0 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-4.542023451112664%, -15.859050384551944%) scale(1.378787878787879)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-2e959792-b889-4c8d-b3ea-aee6c541d611","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1d3f363f-d960-47a1-8027-428311009d10","keyframes":{"transform":["translate3d(0px, 183.67152%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

अब गूगल प्ले पर मौजूद लोन ऐप्स की मदद से पल भर में मिलता है लोन.

[{"selector":"#anim-60d0e0b2-27de-42f1-8730-e5b6afd5a214 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-4.772727222309278%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-ac602981-defd-43af-93c4-8ca5d1908a41","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d986beba-7306-4efb-a80e-5dde3764ce79","keyframes":{"transform":["translate3d(0px, 287.63704%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

हालांकि इन ऐप्स से लोन लेना खतरे से खाली नहीं होता है.

[{"selector":"#anim-e145ab3e-76d5-45ee-812e-f303ac4e1387 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(13.767123137432215%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-8ef42ef0-2470-4116-b153-d67a00ccb21e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e86695d3-76d5-4010-9cda-6a1d3b8a6906","keyframes":{"transform":["translate3d(0px, 301.72152%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

ये ऐप जरूरत के हिसाब से कर्ज तो देंगे लेकिन बाद में मन मर्जी से ब्याज दरें बढ़ाते हैं.

[{"selector":"#anim-ca1c47c5-7719-4f21-94ff-c6fd13b01bb3 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(21.42857129136683%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-a72d8220-8f5c-4d86-ae68-9256ffcc8fac","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-931ad33c-3a9a-4951-8066-92e0512a1d5c","keyframes":{"transform":["translate3d(0px, 146.72752%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

इतना ही नहीं समय पर लोन ना चुकाने पर शोषण करते हैं.

[{"selector":"#anim-3e8c929e-51ec-4005-9be3-8b97efb774e9 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(10.168831052947715%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-c15d7c25-d003-4b88-9c8d-9b90597d38b4","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2df45fa2-a5d4-4262-834a-28845315035e","keyframes":{"transform":["translate3d(0px, 204.79103%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

RBI भी इन लोन ऐप्स से सतर्क रहने को बोल चुका है.

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कुछ लोन ऐप्स बिना किसी कागजी कार्यवाही के केवल स्मार्टफोन के प्राइवेट डाटा के एक्सेस मांगकर लोन देते हैं.

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प्राइवेसी पर खतरा होने के साथ इससे डाटा-कॉन्टेक्ट को एक्सेस करके ब्लैकमेल भी किया जा सकता है.

[{"selector":"#anim-9fe69a5c-c0e6-4c59-b6ac-de6b190a158c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-8.41171896913631%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-1d1874f8-2124-4544-a1a3-3a13b03de76b","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cab6614e-62e5-4e1f-b60a-3b4302031495","keyframes":{"transform":["translate3d(0px, 196.53415%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

अगर लोन ऐप के जाल में फंसे हैं तो साइबर सेल या नोडल शिकायत अधिकारी को शिकायत दर्ज कराएं.

[{"selector":"#anim-5798ba34-5d0f-464b-b91f-02bc3574afef [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-0.4364561213686641%, -19.531249153465247%) scale(1.390625)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-9676a9c9-2f6b-4216-b088-f06ba0d36374","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c0576cfb-79b4-46a1-a14c-01f61487917f","keyframes":{"transform":["translate3d(0px, 146.72752%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

धोखाधड़ी से बचने के लिए डाउनलोड करने से पहले ही ऐप की रेटिंग्स-रिव्यूज पढ़ लें.

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लोन ऐप के मालिकाना हक आदि की जानकारी लेना चाहिए.

[{"selector":"#anim-fabc9cf1-394a-4a37-bc46-81b51061e256","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2f7e4b30-5e53-437b-ba6d-be24db7fd2c3","keyframes":{"transform":["translate3d(0px, 301.72152%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8a94888c-0a59-4160-bf47-882bd2d55c01 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-10.47945194043347%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

ऑथेंटिक लोन ऐप्स का NBFC, RBI या किसी बैंक से जुड़ा होना अनिवार्य है.

[{"selector":"#anim-38f2df11-01bb-494c-ae39-1ddd77f5e16f","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e49bd7c3-c71a-4371-aeb5-e9eb74fa16e4","keyframes":{"transform":["translate3d(0px, 196.53415%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5533963e-1c45-4ffb-b610-cc1b5c4c757e [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-25%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

लोन ऐप यूज करने से पहले Key Fact Statement मांगे,ऐप पर लोन की ब्याज दर, एप्लीकेशन फीस, प्रोसेसिंग फीस, लेट पेमेंट फीस जानें.

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साथ ही थर्ड पार्टी ऐप के जरिए सबसे ज्यादा बैंक फ्रॉड देखे जाते हैं.

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