<p>不久前，获得个人贷款的唯一途径是去当地银行填写申请。虽然你仍然可以通过银行或信用合作社获得贷款，但现在市场上出现了其他参与者，包括一些诈骗者，他们意图利用你的社会保障福利和你辛苦存下来的退休金。</p>
<p>一些诈骗手法看似简单，而另一些则更为复杂。目标是让你掌握足够的信息，以便在诈骗者来找你时做好准备。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzcxMDkvbG9hbi1zY2Ftcy5qcGcmdz03MDA?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzcxMDkvbG9hbi1zY2Ftcy5qcGcmdz03MDA"/></p>
<p>图片来源：Getty Images。</p>
<h2>警惕信号</h2>
<p>尽管诈骗者经常改变他们的手法以迷惑受害者，但诈骗并不是新鲜事。这是一种懒惰的方式，旨在将你与储蓄分开。虽然诈骗者会继续他们的行为，但你可以通过了解需要注意的事项来保护自己。以下是一些应该引起你警觉的警惕信号。</p>
<ul>
<li>看似好得令人难以置信的优惠</li>
<li>预付费用</li>
<li>不安全的网站</li>
<li>没有实体地址或可验证的联系信息</li>
<li>承诺无需信用检查</li>
<li>施加高压策略迫使你迅速做决定</li>
<li>没有实体文件，如贷款协议</li>
<li>模糊或令人困惑的贷款条款</li>
</ul>
<p>以下是一些常见个人贷款诈骗的例子。</p>
<h3>网络钓鱼诈骗</h3>
<p>下次当你收到一封看似来自合法贷款机构的未经请求的电子邮件时，要保持警惕。诈骗者已经找到了让他们的电子邮件看起来合法的方法，甚至可能包含指向假网站的链接，而你可能会发誓这些网站属于合法的金融机构。他们利用这些网站收集你的个人信息，比如你的社会保障号码。一旦他们获得了你的个人信息，就可以盗用你的身份并以你的名义申请贷款。</p>
<p>假设你收到了一封来自你熟悉且信任的银行的电子邮件。不要假设这确实是来自该银行的邮件。相反，直接拨打银行的电话，请代表确认这封邮件确实来自该银行。不要使用电子邮件中提供的电话号码，而是查找银行的实际电话号码。</p>
<h3>假贷款经纪人</h3>
<p>一些诈骗者已经精通伪装成贷款经纪人，他们声称可以帮助你找到贷款。如果你上当受骗，你很可能会为这项服务支付费用，而诈骗者则会在没有将你与合法贷款人联系起来的情况下离开。</p>
<p>如果你的信用评分较低且需要贷款，这种诈骗可能特别吸引人。与网络钓鱼诈骗一样，假贷款经纪人可能会将你链接到一个看起来官方的网站，网站上有（完全虚假的）来自满意客户的 “推荐信”。</p>
<h3>税款退款预期贷款</h3>
<p>根据纽约金融服务部的说法，税款退款预期贷款也可能是诈骗者进入你个人财务的一种方式。一些税务准备人员提供他们所称的快速资金、即时或特快退款。这些退款是借款，抵押在你预期的退款金额上，通常包括极高的利率和费用。此外，即使你没有收到退款或退款金额低于预期，你仍然必须偿还贷款。</p>
<p>有几种方法可以避免成为这些预期贷款的受害者：</p>
<ul>
<li><strong>联系 AARP 税务援助。</strong> 税务援助帮助中低收入纳税人处理税务和退款，特别关注 50 岁及以上的人。你可以拨打 888-227-7669 找到最近的 AARP 税务援助地点。</li>
</ul>
<ul>
<li><strong>访问附近社区中心或当地图书馆的志愿者收入税务援助（VITA）地点。</strong> VITA 和老年人税务咨询（TCE）项目为符合条件的纳税人提供免费的税务帮助。</li>
<li><strong>电子提交你的报税表，并将退款直接存入你的银行账户。</strong> 电子提交可以加快你的退款速度，并减少借款的诱惑。</li>
</ul>
<h3>政府补助和贷款诈骗</h3>
<p>你可能会通过互联网、电话、社交媒体或报纸听说政府补助或贷款。这种诈骗涉及一家公司声称可以 “保证” 获得美国政府的补助或贷款。你所需要做的就是支付一笔费用。通常，他们会指示你通过快递服务或电汇方式将钱寄出。一旦钱寄出，你将再也听不到诈骗者的消息。</p>
<h3>房屋净值信用额度诈骗</h3>
<p>即使你在退休计划中没有数百万的财富，诈骗者也会盯上你的房子。房屋净值——房屋的价值减去你仍需偿还的金额——允许你通过将该净值作为抵押向贷款人借款。诈骗发生在有人说服你借取超过你所需的金额，或收取你无法承受的更高利率和费用时。诈骗者希望你无法按时还款，而由于你的房子是抵押品，他们可以将其收回。</p>
<p>虽然轻松贷款听起来很有吸引力，但你最好的选择始终是做好功课，以确保贷款人确实是他们所声称的那样。否则可能会导致金钱损失。</p>

曼哈顿大桥投资股份

<p>这篇文章讨论了针对老年人的贷款诈骗的上升趋势，强调了需要注意的各种警示信号，例如看起来好得令人难以置信的优惠、预付费用和高压策略。文章详细介绍了常见的诈骗，包括网络钓鱼诈骗、虚假贷款经纪人和税款退款预期贷款，建议老年人核实贷款人的合法性，并寻求像 AARP Tax-Aide 这样的组织的帮助。文章强调了了解信息的重要性，以保护个人财务免受诈骗者的侵害</p>

<p>It wasn't that long ago that the only way to secure a personal loan was to visit your local bank and fill out an application. Sure, you can still land a loan through your bank or credit union, but there are now other players in the game, including scam artists, intent on cashing in on your Social Security benefits and the money you've worked so hard to put away for retirement.</p>
<div class="lb-trans"><p>不久前，获得个人贷款的唯一途径是去当地银行填写申请。虽然你仍然可以通过银行或信用合作社获得贷款，但现在市场上出现了其他参与者，包括一些诈骗者，他们意图利用你的社会保障福利和你辛苦存下来的退休金。</p>
</div><p>Some of the scams are deceptively simple, while others are more complex. The goal is to arm yourself with enough information to be prepared when scammers come calling.</p>
<div class="lb-trans"><p>一些诈骗手法看似简单，而另一些则更为复杂。目标是让你掌握足够的信息，以便在诈骗者来找你时做好准备。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzcxMDkvbG9hbi1zY2Ftcy5qcGcmdz03MDA" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F837109%2Floan-scams.jpg&amp;op=resize&amp;w=700"/></p>
<p>Image source: Getty Images.</p>
<div class="lb-trans"><p>图片来源：Getty Images。</p>
</div><h2>Red flags</h2>
<div class="lb-trans"><h2>警惕信号</h2>
</div><p>Although scammers frequently change their techniques to throw victims off the scent, scamming is nothing new. It's a lazy person's way of separating you from your savings. While scammers will do their thing, you can protect yourself by knowing what to look for. Here are some of the red flags that should get your antennae up.</p>
<div class="lb-trans"><p>尽管诈骗者经常改变他们的手法以迷惑受害者，但诈骗并不是新鲜事。这是一种懒惰的方式，旨在将你与储蓄分开。虽然诈骗者会继续他们的行为，但你可以通过了解需要注意的事项来保护自己。以下是一些应该引起你警觉的警惕信号。</p>
</div><ul>
<li>Offers that appear to be too good to be true</li>
<li>Upfront fees</li>
<li>Unsecured websites</li>
<li>No physical address or verifiable contact information</li>
<li>Promises of no credit check</li>
<li>High-pressure tactics to hurry you into a decision</li>
<li>No physical documentation, like a loan agreement</li>
<li>Ambiguous or confusing loan terms</li>
</ul>
<div class="lb-trans"><ul>
<li>看似好得令人难以置信的优惠</li>
<li>预付费用</li>
<li>不安全的网站</li>
<li>没有实体地址或可验证的联系信息</li>
<li>承诺无需信用检查</li>
<li>施加高压策略迫使你迅速做决定</li>
<li>没有实体文件，如贷款协议</li>
<li>模糊或令人困惑的贷款条款</li>
</ul>
</div><p>Here are some examples of common personal loan scams.</p>
<div class="lb-trans"><p>以下是一些常见个人贷款诈骗的例子。</p>
</div><h3>Phishing scams</h3>
<div class="lb-trans"><h3>网络钓鱼诈骗</h3>
</div><p>The next time you receive an unsolicited email that appears to be from a legitimate lender, be wary. Scammers have figured out how to make their emails look legitimate and may even include links to fake websites that you could swear belonged to a legitimate financial institution. They use these sites to gather your personal information, like your Social Security number. Once they have your personal information, they can steal your identity and take out loans in your name.</p>
<div class="lb-trans"><p>下次当你收到一封看似来自合法贷款机构的未经请求的电子邮件时，要保持警惕。诈骗者已经找到了让他们的电子邮件看起来合法的方法，甚至可能包含指向假网站的链接，而你可能会发誓这些网站属于合法的金融机构。他们利用这些网站收集你的个人信息，比如你的社会保障号码。一旦他们获得了你的个人信息，就可以盗用你的身份并以你的名义申请贷款。</p>
</div><p>Let's say an email arrives from a bank you know and trust. Don't assume it's actually from the bank. Instead, call the bank directly and ask a representative to confirm that it's from that bank. Don't use the phone number included in the email, but look up the bank's actual number.</p>
<div class="lb-trans"><p>假设你收到了一封来自你熟悉且信任的银行的电子邮件。不要假设这确实是来自该银行的邮件。相反，直接拨打银行的电话，请代表确认这封邮件确实来自该银行。不要使用电子邮件中提供的电话号码，而是查找银行的实际电话号码。</p>
</div><h3>Fake loan brokers</h3>
<div class="lb-trans"><h3>假贷款经纪人</h3>
</div><p>Some scammers have perfected the art of posing as loan brokers who claim they can help you find a loan. Chances are, if you fall for it, you'll pay a fee for the service, and the scammer will move on without ever connecting you to a legitimate lender.</p>
<div class="lb-trans"><p>一些诈骗者已经精通伪装成贷款经纪人，他们声称可以帮助你找到贷款。如果你上当受骗，你很可能会为这项服务支付费用，而诈骗者则会在没有将你与合法贷款人联系起来的情况下离开。</p>
</div><p>This scam can be particularly appealing if your credit score is low and you need a loan. As with the phishing scam, the fake loan broker may link you to an official-looking site, complete with (totally fake) &#34;testimonials&#34; from happy customers.</p>
<div class="lb-trans"><p>如果你的信用评分较低且需要贷款，这种诈骗可能特别吸引人。与网络钓鱼诈骗一样，假贷款经纪人可能会将你链接到一个看起来官方的网站，网站上有（完全虚假的）来自满意客户的 “推荐信”。</p>
</div><h3>Tax refund anticipation loans</h3>
<div class="lb-trans"><h3>税款退款预期贷款</h3>
</div><p>According to the New York Department of Financial Services, tax refund anticipation loans can also be a scammer's way of edging their way into your personal finances. Some tax preparers offer what they refer to as fast money, instant, or express refunds. These refunds are loans borrowed against your expected refund amount and often include extremely high interest rates and fees. Moreover, even if you don't receive your refund or the refund is smaller than anticipated, you must repay the loan.</p>
<div class="lb-trans"><p>根据纽约金融服务部的说法，税款退款预期贷款也可能是诈骗者进入你个人财务的一种方式。一些税务准备人员提供他们所称的快速资金、即时或特快退款。这些退款是借款，抵押在你预期的退款金额上，通常包括极高的利率和费用。此外，即使你没有收到退款或退款金额低于预期，你仍然必须偿还贷款。</p>
</div><p>There are several ways to avoid falling prey to one of these anticipation loans:</p>
<div class="lb-trans"><p>有几种方法可以避免成为这些预期贷款的受害者：</p>
</div><ul>
<li><strong>Contact AARP Tax-Aide.</strong> Tax-Aide helps low-to-middle income taxpayers with taxes and refunds, paying special attention to those 50 and older. You can locate the nearest AARP Tax-Aide site by calling 888-227-7669.</li>
</ul>
<div class="lb-trans"><ul>
<li><strong>联系 AARP 税务援助。</strong> 税务援助帮助中低收入纳税人处理税务和退款，特别关注 50 岁及以上的人。你可以拨打 888-227-7669 找到最近的 AARP 税务援助地点。</li>
</ul>
</div><ul>
<li><strong>Visit a Volunteer Income Tax Assistance (VITA) site at a nearby community center or your local library.</strong> Both VITA and the Tax Counseling for the Elderly (TCE) programs offer free tax help for taxpayers who qualify.</li>
<li><strong>File your return electronically and have the refund deposited directly into your bank account.</strong> Filing electronically speeds up your refund and reduces the temptation to borrow against the money.</li>
</ul>
<div class="lb-trans"><ul>
<li><strong>访问附近社区中心或当地图书馆的志愿者收入税务援助（VITA）地点。</strong> VITA 和老年人税务咨询（TCE）项目为符合条件的纳税人提供免费的税务帮助。</li>
<li><strong>电子提交你的报税表，并将退款直接存入你的银行账户。</strong> 电子提交可以加快你的退款速度，并减少借款的诱惑。</li>
</ul>
</div><h3>Government grant and loan scam</h3>
<div class="lb-trans"><h3>政府补助和贷款诈骗</h3>
</div><p>You may hear about a government grant or loan via the internet, phone, social media, or newspaper. This scam involves a company claiming to &#34;guarantee&#34; a grant or loan from the U.S. government. All you have to do is pay a fee. Typically, they'll instruct you to send the money overnight, through courier services, or by wire. Once the money is sent, you'll never hear from the scammers again.</p>
<div class="lb-trans"><p>你可能会通过互联网、电话、社交媒体或报纸听说政府补助或贷款。这种诈骗涉及一家公司声称可以 “保证” 获得美国政府的补助或贷款。你所需要做的就是支付一笔费用。通常，他们会指示你通过快递服务或电汇方式将钱寄出。一旦钱寄出，你将再也听不到诈骗者的消息。</p>
</div><h3>Home equity line of credit scam</h3>
<div class="lb-trans"><h3>房屋净值信用额度诈骗</h3>
</div><p>Even if you're not rolling in the dough with millions in your retirement plan, scammers will come after you for your home. Home equity -- the value of your home minus how much you still owe -- allows you to borrow money from a lender by using that equity as collateral. The scam occurs when someone talks you into borrowing more than you need or charges a higher interest rate and fees than you can afford. The scammers hope you won't be able to keep up with the payments, and since your home is collateral, they can take it.</p>
<div class="lb-trans"><p>即使你在退休计划中没有数百万的财富，诈骗者也会盯上你的房子。房屋净值——房屋的价值减去你仍需偿还的金额——允许你通过将该净值作为抵押向贷款人借款。诈骗发生在有人说服你借取超过你所需的金额，或收取你无法承受的更高利率和费用时。诈骗者希望你无法按时还款，而由于你的房子是抵押品，他们可以将其收回。</p>
</div><p>While an easy loan may sound appealing, your best bet is always to do your homework to ensure the lender is who it says it is. Anything less could lead to losing money.</p>
<div class="lb-trans"><p>虽然轻松贷款听起来很有吸引力，但你最好的选择始终是做好功课，以确保贷款人确实是他们所声称的那样。否则可能会导致金钱损失。</p>
</div>

老年人：您能识别贷款诈骗的征兆吗？