女子借款13万，不到一年半要还近1300万！央视曝光“套路贷”

Core Insights - A criminal gang disguised as a housing rental company was dismantled by police in Chengdu, Sichuan, with five core suspects arrested, revealing a shocking debt trap where a victim's loan of 130,000 yuan ballooned to nearly 13 million yuan in less than a year and a half, leading to the forced mortgage of properties worth nearly 10 million yuan [1][12]. Group 1: Loan Scheme Details - The victim, Ms. Ye, received a call claiming to offer loans through an "internal green channel" in collaboration with financial management departments, accurately detailing her recent bank loan rejection and credit inquiries [2][13]. - Ms. Ye signed three contracts: a loan agreement for 130,000 yuan at a monthly interest rate of 1.5%, a housing management contract promising fixed monthly income of 23,000 yuan regardless of tenant occupancy, and an authorization letter with a clause imposing a 30% penalty on annual rent in case of default [3][14]. - Upon receiving the loan, Ms. Ye was charged 26,000 yuan in fees, leaving her with only 104,000 yuan from the original loan amount [4][15]. Group 2: Debt Escalation - By March 2024, Ms. Ye received a default notice claiming her property was classified as a group rental, requiring her to pay a penalty of 82,800 yuan [5][16]. - Attempts to terminate the contract led to demands for compensation of 331,200 yuan for the remaining four years of the management contract [6][17]. - To manage her escalating debt, Ms. Ye was introduced to another company offering a "debt optimization" plan, which involved borrowing an additional 450,000 yuan, causing her total debt to soar from 130,000 yuan in November 2023 to 12.6 million yuan by March 2025 [7][18]. Group 3: Company Operations and Revenue Structure - The involved rental company, established in 2018 with a registered capital of 10 million yuan, appeared compliant with regulations but operated beyond normal rental practices, generating 427.1 million yuan in penalty fees compared to only 6.32 million yuan in rental income over two and a half years [9][20]. - The company utilized rental data from housing authorities to target individuals with vacant properties and previous loan rejections, effectively preying on vulnerable borrowers [20]. - Contracts were designed to include hidden clauses that were difficult to contest legally, and the company collaborated with multiple small loan and guarantee companies, effectively charging exorbitant interest rates disguised as legitimate loans [10][21]. Group 4: Legal and Police Action - The criminal activities were exposed following a series of unusual arbitration cases in July 2025, where all defendants failed to appear, and the same company was involved in multiple claims [22]. - Police traced 49 million yuan in illegal lending back to the suspects, leading to the arrest of 73 individuals and the seizure of significant evidence, including servers and contract documents [22].