<p>不久前，獲得個人貸款的唯一途徑是去當地銀行填寫申請。雖然你仍然可以通過銀行或信用合作社獲得貸款，但現在市場上出現了其他參與者，包括一些詐騙者，他們意圖利用你的社會保障福利和你辛苦存下來的退休金。</p>
<p>一些詐騙手法看似簡單，而另一些則更為複雜。目標是讓你掌握足夠的信息，以便在詐騙者來找你時做好準備。</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>圖片來源：Getty Images。</p>
<h2>警惕信號</h2>
<p>儘管詐騙者經常改變他們的手法以迷惑受害者，但詐騙並不是新鮮事。這是一種懶惰的方式，旨在將你與儲蓄分開。雖然詐騙者會繼續他們的行為，但你可以通過了解需要注意的事項來保護自己。以下是一些應該引起你警覺的警惕信號。</p>
<ul>
<li>看似好得令人難以置信的優惠</li>
<li>預付費用</li>
<li>不安全的網站</li>
<li>沒有實體地址或可驗證的聯繫信息</li>
<li>承諾無需信用檢查</li>
<li>施加高壓策略迫使你迅速做決定</li>
<li>沒有實體文件，如貸款協議</li>
<li>模糊或令人困惑的貸款條款</li>
</ul>
<p>以下是一些常見個人貸款詐騙的例子。</p>
<h3>網絡釣魚詐騙</h3>
<p>下次當你收到一封看似來自合法貸款機構的未經請求的電子郵件時，要保持警惕。詐騙者已經找到了讓他們的電子郵件看起來合法的方法，甚至可能包含指向假網站的鏈接，而你可能會發誓這些網站屬於合法的金融機構。他們利用這些網站收集你的個人信息，比如你的社會保障號碼。一旦他們獲得了你的個人信息，就可以盜用你的身份並以你的名義申請貸款。</p>
<p>假設你收到了一封來自你熟悉且信任的銀行的電子郵件。不要假設這確實是來自該銀行的郵件。相反，直接撥打銀行的電話，請代表確認這封郵件確實來自該銀行。不要使用電子郵件中提供的電話號碼，而是查找銀行的實際電話號碼。</p>
<h3>假貸款經紀人</h3>
<p>一些詐騙者已經精通偽裝成貸款經紀人，他們聲稱可以幫助你找到貸款。如果你上當受騙，你很可能會為這項服務支付費用，而詐騙者則會在沒有將你與合法貸款人聯繫起來的情況下離開。</p>
<p>如果你的信用評分較低且需要貸款，這種詐騙可能特別吸引人。與網絡釣魚詐騙一樣，假貸款經紀人可能會將你鏈接到一個看起來官方的網站，網站上有（完全虛假的）來自滿意客户的 “推薦信”。</p>
<h3>税款退款預期貸款</h3>
<p>根據紐約金融服務部的説法，税款退款預期貸款也可能是詐騙者進入你個人財務的一種方式。一些税務準備人員提供他們所稱的快速資金、即時或特快退款。這些退款是借款，抵押在你預期的退款金額上，通常包括極高的利率和費用。此外，即使你沒有收到退款或退款金額低於預期，你仍然必須償還貸款。</p>
<p>有幾種方法可以避免成為這些預期貸款的受害者：</p>
<ul>
<li><strong>聯繫 AARP 税務援助。</strong> 税務援助幫助中低收入納税人處理税務和退款，特別關注 50 歲及以上的人。你可以撥打 888-227-7669 找到最近的 AARP 税務援助地點。</li>
</ul>
<ul>
<li><strong>訪問附近社區中心或當地圖書館的志願者收入税務援助（VITA）地點。</strong> VITA 和老年人税務諮詢（TCE）項目為符合條件的納税人提供免費的税務幫助。</li>
<li><strong>電子提交你的報税表，並將退款直接存入你的銀行賬户。</strong> 電子提交可以加快你的退款速度，並減少借款的誘惑。</li>
</ul>
<h3>政府補助和貸款詐騙</h3>
<p>你可能會通過互聯網、電話、社交媒體或報紙聽説政府補助或貸款。這種詐騙涉及一家公司聲稱可以 “保證” 獲得美國政府的補助或貸款。你所需要做的就是支付一筆費用。通常，他們會指示你通過快遞服務或電匯方式將錢寄出。一旦錢寄出，你將再也聽不到詐騙者的消息。</p>
<h3>房屋淨值信用額度詐騙</h3>
<p>即使你在退休計劃中沒有數百萬的財富，詐騙者也會盯上你的房子。房屋淨值——房屋的價值減去你仍需償還的金額——允許你通過將該淨值作為抵押向貸款人借款。詐騙發生在有人説服你借取超過你所需的金額，或收取你無法承受的更高利率和費用時。詐騙者希望你無法按時還款，而由於你的房子是抵押品，他們可以將其收回。</p>
<p>雖然輕鬆貸款聽起來很有吸引力，但你最好的選擇始終是做好功課，以確保貸款人確實是他們所聲稱的那樣。否則可能會導致金錢損失。</p>

曼哈頓大橋投資股份

<p>這篇文章討論了針對老年人的貸款詐騙的上升趨勢，強調了需要注意的各種警示信號，例如看起來好得令人難以置信的優惠、預付費用和高壓策略。文章詳細介紹了常見的詐騙，包括網絡釣魚詐騙、虛假貸款經紀人和税款退款預期貸款，建議老年人核實貸款人的合法性，並尋求像 AARP Tax-Aide 這樣的組織的幫助。文章強調了瞭解信息的重要性，以保護個人財務免受詐騙者的侵害</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，獲得個人貸款的唯一途徑是去當地銀行填寫申請。雖然你仍然可以通過銀行或信用合作社獲得貸款，但現在市場上出現了其他參與者，包括一些詐騙者，他們意圖利用你的社會保障福利和你辛苦存下來的退休金。</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>一些詐騙手法看似簡單，而另一些則更為複雜。目標是讓你掌握足夠的信息，以便在詐騙者來找你時做好準備。</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>圖片來源：Getty Images。</p>
</div><h2>Red flags</h2>
<div class="lb-trans"><h2>警惕信號</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>儘管詐騙者經常改變他們的手法以迷惑受害者，但詐騙並不是新鮮事。這是一種懶惰的方式，旨在將你與儲蓄分開。雖然詐騙者會繼續他們的行為，但你可以通過了解需要注意的事項來保護自己。以下是一些應該引起你警覺的警惕信號。</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>看似好得令人難以置信的優惠</li>
<li>預付費用</li>
<li>不安全的網站</li>
<li>沒有實體地址或可驗證的聯繫信息</li>
<li>承諾無需信用檢查</li>
<li>施加高壓策略迫使你迅速做決定</li>
<li>沒有實體文件，如貸款協議</li>
<li>模糊或令人困惑的貸款條款</li>
</ul>
</div><p>Here are some examples of common personal loan scams.</p>
<div class="lb-trans"><p>以下是一些常見個人貸款詐騙的例子。</p>
</div><h3>Phishing scams</h3>
<div class="lb-trans"><h3>網絡釣魚詐騙</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>下次當你收到一封看似來自合法貸款機構的未經請求的電子郵件時，要保持警惕。詐騙者已經找到了讓他們的電子郵件看起來合法的方法，甚至可能包含指向假網站的鏈接，而你可能會發誓這些網站屬於合法的金融機構。他們利用這些網站收集你的個人信息，比如你的社會保障號碼。一旦他們獲得了你的個人信息，就可以盜用你的身份並以你的名義申請貸款。</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>假設你收到了一封來自你熟悉且信任的銀行的電子郵件。不要假設這確實是來自該銀行的郵件。相反，直接撥打銀行的電話，請代表確認這封郵件確實來自該銀行。不要使用電子郵件中提供的電話號碼，而是查找銀行的實際電話號碼。</p>
</div><h3>Fake loan brokers</h3>
<div class="lb-trans"><h3>假貸款經紀人</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>一些詐騙者已經精通偽裝成貸款經紀人，他們聲稱可以幫助你找到貸款。如果你上當受騙，你很可能會為這項服務支付費用，而詐騙者則會在沒有將你與合法貸款人聯繫起來的情況下離開。</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>如果你的信用評分較低且需要貸款，這種詐騙可能特別吸引人。與網絡釣魚詐騙一樣，假貸款經紀人可能會將你鏈接到一個看起來官方的網站，網站上有（完全虛假的）來自滿意客户的 “推薦信”。</p>
</div><h3>Tax refund anticipation loans</h3>
<div class="lb-trans"><h3>税款退款預期貸款</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>根據紐約金融服務部的説法，税款退款預期貸款也可能是詐騙者進入你個人財務的一種方式。一些税務準備人員提供他們所稱的快速資金、即時或特快退款。這些退款是借款，抵押在你預期的退款金額上，通常包括極高的利率和費用。此外，即使你沒有收到退款或退款金額低於預期，你仍然必須償還貸款。</p>
</div><p>There are several ways to avoid falling prey to one of these anticipation loans:</p>
<div class="lb-trans"><p>有幾種方法可以避免成為這些預期貸款的受害者：</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>聯繫 AARP 税務援助。</strong> 税務援助幫助中低收入納税人處理税務和退款，特別關注 50 歲及以上的人。你可以撥打 888-227-7669 找到最近的 AARP 税務援助地點。</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>訪問附近社區中心或當地圖書館的志願者收入税務援助（VITA）地點。</strong> VITA 和老年人税務諮詢（TCE）項目為符合條件的納税人提供免費的税務幫助。</li>
<li><strong>電子提交你的報税表，並將退款直接存入你的銀行賬户。</strong> 電子提交可以加快你的退款速度，並減少借款的誘惑。</li>
</ul>
</div><h3>Government grant and loan scam</h3>
<div class="lb-trans"><h3>政府補助和貸款詐騙</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>你可能會通過互聯網、電話、社交媒體或報紙聽説政府補助或貸款。這種詐騙涉及一家公司聲稱可以 “保證” 獲得美國政府的補助或貸款。你所需要做的就是支付一筆費用。通常，他們會指示你通過快遞服務或電匯方式將錢寄出。一旦錢寄出，你將再也聽不到詐騙者的消息。</p>
</div><h3>Home equity line of credit scam</h3>
<div class="lb-trans"><h3>房屋淨值信用額度詐騙</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>即使你在退休計劃中沒有數百萬的財富，詐騙者也會盯上你的房子。房屋淨值——房屋的價值減去你仍需償還的金額——允許你通過將該淨值作為抵押向貸款人借款。詐騙發生在有人説服你借取超過你所需的金額，或收取你無法承受的更高利率和費用時。詐騙者希望你無法按時還款，而由於你的房子是抵押品，他們可以將其收回。</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>雖然輕鬆貸款聽起來很有吸引力，但你最好的選擇始終是做好功課，以確保貸款人確實是他們所聲稱的那樣。否則可能會導致金錢損失。</p>
</div>

老年人：您能識別貸款詐騙的徵兆嗎？