“实在是还不起了”！零首付黄金分期实际是高利贷？揭秘背后套路…

Core Viewpoint - The "gold installment" scam disguises illegal high-interest loans as legitimate gold transactions, leading consumers into a triple dilemma of high costs, asset safety risks, and legal challenges [3][18]. Group 1: Nature of the Scam - The rise of "gold installment" loans is linked to the increasing international gold prices, which has spurred a surge in gold consumption and investment [4][5]. - These loans are marketed with enticing terms such as "zero down payment, zero interest, and zero fees," but they are essentially high-interest loans disguised as gold purchases [5][10]. - The operational model involves splitting the flow of funds and goods, making it difficult to trace the actual flow of money and increasing regulatory challenges [4][9]. Group 2: Consumer Experiences - Victims of the scam report significant financial losses, with one individual receiving only 10,000 yuan after being promised 20,000 yuan worth of gold, highlighting the deceptive nature of the recovery process [7][17]. - Many consumers find themselves trapped in a cycle of debt, facing high penalties for late payments and struggling to meet repayment schedules [9][12]. - The actual costs of borrowing are much higher than advertised, with some victims facing annualized interest rates exceeding legal limits [12][18]. Group 3: Legal and Regulatory Context - Legal experts indicate that the contracts involved in these scams are designed to obscure the true nature of the loans, complicating consumers' ability to seek legal recourse [9][18]. - Regulatory bodies have begun to issue warnings about the illegal nature of these financial activities, emphasizing the need for consumer vigilance [19][22]. - Judicial cases have demonstrated that courts are recognizing these contracts as invalid due to their deceptive nature, which could set a precedent for future cases [21][23]. Group 4: Recommendations for Consumers - Consumers are advised to prioritize licensed financial institutions for short-term funding needs and to carefully assess their repayment capabilities [25]. - In the event of falling victim to such scams, it is crucial to cease all payments immediately and gather evidence to support any potential legal claims [26].