借款13万却要还近1300万，揭露“套路贷”陷阱：精准筛选“有房有贷”群体，通过违约金条款与文字游戏，以年息180%贷给借款人

Core Viewpoint - A criminal gang disguised as a housing rental company was dismantled by the Chengdu police, revealing a shocking debt trap where a victim's debt escalated from 130,000 yuan to nearly 13 million yuan in less than a year and a half, with properties worth nearly 10 million yuan being forced into collateral [1][24]. Group 1: The Scheme - The victim, Ms. Ye, was targeted through a phone call claiming to offer loans via an "internal green channel" in collaboration with financial management departments, showcasing precise knowledge of her recent bank loan rejection [3][29]. - The gang employed a combination of contracts, including a loan agreement with a 1.5% monthly interest rate and a property management contract promising fixed rental income, which concealed the true traps within the agreements [8][33]. - The contracts included hidden clauses that allowed the company to impose exorbitant penalties, such as a 30% penalty on annual rent if the victim defaulted, which was not initially noticed by the victim [34][35]. Group 2: Debt Escalation - The victim's debt ballooned from 130,000 yuan in November 2023 to 12.6 million yuan by March 2025, as the company continuously charged high penalties under various pretexts [41]. - The company’s revenue model was heavily skewed towards penalty income, with 4,271 million yuan from penalties compared to only 632 million yuan from rental income over two and a half years, indicating a predatory business model [45]. Group 3: Regulatory and Operational Insights - The rental company, established in 2018 with a registered capital of 10 million yuan, appeared legitimate with proper licenses but engaged in illegal practices that deviated from standard rental operations [14][43]. - The company utilized legal loopholes to target vulnerable individuals, such as those with vacant properties and previous loan rejections, effectively creating a system of exploitation [19][45]. - Investigations revealed that the company had connections with multiple financial institutions, indicating a coordinated effort to disguise illegal lending practices under the guise of legitimate operations [18][47]. Group 4: Law Enforcement Response - The police operation led to the arrest of 73 individuals and the seizure of significant evidence, including servers and contract documents, effectively dismantling the criminal organization [53]. - Authorities emphasized the importance of protecting personal information and regulating credit inquiry permissions to prevent such exploitation in the future [52].