借款13万却要还近1300万！警方揭露“套路贷”陷阱

Core Viewpoint - The article reveals a shocking debt trap involving a loan shark gang disguised as a housing rental company, where victims' debts can escalate dramatically due to hidden fees and penalties [1][2]. Group 1: Case Overview - The case involves a victim, Ms. Ye, who borrowed 130,000 yuan and saw her debt balloon to nearly 12.6 million yuan in just over a year due to compounded interest and hidden fees [1][15]. - The gang used precise personal information to lure victims, making them believe in the legitimacy of the loan offers [2][4]. Group 2: Contractual Manipulation - The gang presented three contracts to Ms. Ye: a loan agreement, a housing management contract promising fixed rental income, and an authorization letter with hidden clauses for penalties [6][10]. - The hidden clause in the authorization letter allowed the company to charge a 30% penalty on annual rent if the victim defaulted, which was not initially noticed by Ms. Ye [8][10]. Group 3: Debt Escalation Mechanism - After the initial loan, Ms. Ye was charged various fees, reducing her actual loan amount to 104,000 yuan, while the company failed to pay any promised rental income [10]. - The debt snowballed as the company continuously charged her high penalties under the guise of contract violations, leading to a total debt of 12.6 million yuan by March 2025 [15][19]. Group 4: Company Operations and Revenue Model - The rental company, established in 2018 with a registered capital of 10 million yuan, appeared legitimate but engaged in illegal practices to generate revenue [16][19]. - The company's income structure was heavily skewed, with only 6.32 million yuan from rental income compared to 42.71 million yuan from penalty fees, indicating a focus on exploiting contractual loopholes [19][21]. Group 5: Legal and Regulatory Insights - The gang's operations were exposed through unusual arbitration cases, where multiple victims faced similar issues without appearing in court [22][26]. - The police investigation revealed that the company had connections with other financial institutions, indicating a broader network of illegal lending practices [21][26]. Group 6: Recommendations and Precautions - Authorities emphasize the importance of vigilance against low-interest loans and fixed income offers, advising victims to retain all documentation and report to the police immediately if they suspect they are in a loan trap [28][30].