Tips to borrow from a credit company
For a trip, a wedding dinner, a renovation, or an unexpected expense. Choosing a personal loan that does not hide pitfalls is not easy: from the onerous interest rates to the nasty surprises hidden in the folds of the contractual conditions. Here are some tips that can help you make the right choice of a credit company in Singapore. To borrow money as cheaply as possible from the credit companies in Singapore, compare the numerous offers from credit companies in Singapore, preferably with a view to the annual percentage rate. Unlike the borrowing rate, the effective interest rate already includes all costs. You can always find the effective annual interest rate for customers with the best credit rating directly in the most important information of each offer. In the case of creditworthiness-dependent loans, the 2/3 interest rate also shows you the minimum interest rate two-thirds of all accepted customers receive. This is always marked under the offer. Inquire about your conditions when borrowing money You can find out how cheaply you can borrow the money after you have entered just a little information about yourself and your income. Within minutes, the bank or broker will let you know whether your loan request has been provisionally approved and what conditions the institute is offering you personally. If other providers want to lend you the desired amount of money with the specified loan term, you will also find these conditions in the overview. In this way, you are sure to borrow your money at the best interest rates. Receive borrowed money paid out You usually have the borrowed money in your bank account two to five working days after you have finally concluded the loan agreement. Before doing so, you prove your identity from home or on the video call and upload all the necessary documents as a photo to your customer account or send them by post. The quickest way to borrow money is to choose a loan with immediate payment. Here you have the money in your account by the next bank working day at the latest, provided the credit check is positive. Fast to the money loan: How can I borrow money online instantly? Not all expenses can always be planned well in advance. If, for example, an important household appliance or the car breaks down, the necessary repairs or new purchases can sometimes not be paid for from reserves alone. Why you can borrow money online particularly quickly and at short notice in such cases: You can immediately see which credit company in Singapore guarantees you the fastest payout when you borrow money. Offers with immediate payment are marked for you. There you will also find information as to whether the money will be paid out to your account today. Thanks to the practical filter function, you can narrow down all offers that exactly meet your expectations – and offer, for example, exclusive conditions or free special repayments. Borrow money even faster thanks to digital document upload & online transactions! Many offers allow you to borrow money online without paperwork. For the fastest possible payment, carry out all the steps online – for example with the digital document upload of your proof. In the best-case scenario, you can still borrow money online today. What is faster & cheaper if I want to borrow money for a short time? Most consumers in Singapore have a current account. With regular salary payments, many banks grant their customers an overdraft facility there, which can be used as soon as there is no more credit in the account. Up to which total amount the account may slip into the red and what fees are incurred for this differs depending on the customer and the bank. However, the average interest rate nationwide is well above the interest rates for comparable small loans. Due to the high costs of the overdraft facility, you should only use it in an emergency and balance the account as soon as possible. If you need a cash injection in the long term to bridge your financial bottleneck, a low-interest installment loan is the better choice. How can I borrow money particularly cheaply? Tip 1: Specify the purpose If you want to borrow money for a specific purpose, you should state this when you apply. In many cases, lending institutions offer more favorable interest rates for loans with a fixed purpose. The only limitation of earmarked money lending is that you then have to use the borrowed loan amount to finance the stated purpose in whole or in part. Typical examples of earmarked financing are car loans or modernization loans. Tip 2: Borrow money for two Two working people together have a higher income than one of them alone. As simple as it sounds: For this simple reason, banks and credit brokers will rate your creditworthiness twice as high. Therefore, in this case, they often grant lower interest rates when borrowing money. Ultimately, this means that you can usually save quite a bit on interest costs with a second borrower. In this way you can, for example, borrow money with your partner or as a married couple. Tip 3: Adjust the term and monthly rate With the right term, you can also adjust the amount of the monthly loan installment of the loan amount according to your financial possibilities. Keep in mind that you pay less interest on the money you borrow if you pay it back faster. You can flexibly choose the duration of the repayment for your money loan. With a non-binding inquiry, you can determine the monthly rate be expected easily and independently of Credit score and thus receive the best conditions. Tip 4: Self-employed – filter for special loans Special requirements often apply if you want to borrow money privately as a freelancer and self-employed. Self-employed people usually have to submit tax assessments and other documents to determine their income. Some banks also offer special loans for the self-employed. You can find these in
How can I find a money lender near me?
Are you wondering if it is possible to get a loan from money lenders? Many people prefer not to, or cannot, go through a bank when seeking financing. In such cases, they may search for a money lender near me or ask someone they know to lend them money instead of applying for consumer credit. There are also online platforms that connect borrowers with money lenders, making it easier to find credit options or post a loan request. THE LOAN FROM MONEY LENDER, HOW DOES IT WORK? When you do not wish to take out a loan from a banking organization, it is possible to turn to an individual to obtain your mortgage. Also called loan without banker, PAP / P2P, or loan without a bank, the loan from a money lender is often used as a substitution of the bank loan. Loan from money lenders is less and less common and the scams are numerous. We advise you to take out a loan from a licensed money lender such as SGP Credit to build a reliable project. When investing in real estate, few people naturally think of using a private lender. However, the private loan has certain advantages, such as flexibility and speed. Here are some techniques for using a private lender without being cheated which I always use to find a money lender near me. WHY THE PRIVATE LENDER WANTS TO LEND YOU MONEY Go to a private lender in the following cases: if you have financial problems or are unable to buy a personal home; you can also resort to it if you want to renovate your house which has a lot of equity. This is also the case for the purchase of a flip, an empty plex, or a very damaged building. The same if you want to buy to refinance later or for new construction. HOW DOES THE PRIVATE LOAN WORK? The loan from the moneylender does not require the payment of administration fees! You can find model contracts online on the public service website to make a loan from a money lender. It is also advisable to find a loan offer from a money lender on this type of platform and using the locator you can find the nearest money lender using keywords like money lender near me, to make sure you come across an honest person and take out serious credit. In any case, be aware that the loan from money lenders is used frequently, and that it is regulated by the Ministry of Law Singapore, provided that the various formalities are respected. WHY MAKE A LOAN FROM MONEY LENDERS? You are most certainly wondering why some people decide to make a loan of money from a moneylender rather than going to see a banker! Many reasons can lead individuals to take out credit from someone they know, or through an online credit site: • Avoid multiple appointments with the banker • Take out a loan at a lower rate • Take out a loan when you are prohibited from banking • Take advantage of a free loan In any case, credit from money lenders will be contracted without the intervention of a banker! The loan from money lenders can for example be very useful to be financed by a person of his family who has the financial capacities. It is also often used by people banned from bank cards. Following an over-indebtedness procedure, an individual no longer has the right to use a credit card and to take out a loan from the bank for 5 years. The loan from money lenders who are registered with the Ministry of Law Singapore can therefore be a solution for people in search of financing. IS THE LOANED MONEY LEGAL? The private loan is completely legal. The money can come from different sources: it can be the money of the lender, or even that of the company that he wishes to invest in. The private lender can also borrow at a low rate and then lend you that money at a higher rate. This is a situation that we often encounter and another way to roll the money! HOW TO CHOOSE YOUR PRIVATE LENDER TO AVOID GETTING CHEATED? 20-25% of people hesitate to use a private lender because of the risks. Here are a few points to watch out for to avoid being tricked. 1- Escalation clause or indexation clause The principle of this scam: a clause that allows the interest rate to be increased if the loan is not repaid within the agreed period. Do not hesitate to call on a lawyer or a notary to enlighten you. 2- Spend money right away With a private lender, everything must be done at a notary. If he offers you to take the application fees directly, beware. Likewise, if he wants to lend you an insane sum at a very low rate, he risks taking the application fees, without giving you the loan. 3- No flexibility Make sure you have some openness. A good private lender usually agrees to extend for 12 to 18 months, if your project ever encounters an unexpected challenge. Similarly, it must also provide for the possibility that your building will be sold sooner than expected. 4- Loan agreement too easy If the private lender does not ask you for any income conditions, no guarantees, and offers loan availability within 24-48 hours, ask yourself the question: where does this money come from? Unless you know it very well, don’t take unnecessary risks. You can call on a notary to draft your loan agreement from money lenders. Thus, you ensure the legal compliance of the transaction, and will be better protected in the event of a dispute! Also, taking out a loan from a money lender will be much easier than going to see a banker! Especially since loans from money lenders generally replace consumer credit. Bankers do not always agree to lend to households with low incomes. Depending on your borrowing
5 tips when getting a credit loan
If you are reading this, it is because you need financing, either to buy a car, make home improvements, get married, pay for your studies, or apply for a credit loan to meet other financial needs. Whatever the reason you need money, choosing the right credit loan is an important decision that can affect your finances in the long run. You should keep the following recommendations in mind before applying. By understanding these recommendations, you can choose more wisely and avoid making a poor financial decision. So we have highlighted these tips to make the process easier for you: 1 – Analyze your financial situation Before applying for a credit loan in Singapore you should ask yourself if you really need the money and what you need it for. If it is not an emergency, it would be best to save until you raise the capital. Knowing your financial situation is essential to be able to determine how much money you spend each month and where you spend it. Knowing the total of your obligatory expenses (such as a mortgage, schools, supermarket, etc.) you will be able to make a calculation with an estimate of the fee that you will be able to assimilate. Also, analyze how much you spend on leisure and if you can reduce these costs. Try to leave a margin for the unforeseen. There are always unexpected expenses, so it is advisable to leave a monthly margin for when that time comes. It does not matter if this margin is very small, unforeseen events do not happen every day. This analysis is not easy, but you can find free applications that can help. 2 – Analyze the amount you need and when you can return it Before requesting a loan, analyze the amount you need and when you can repay it. The most important thing when requesting a credit loan in Singapore is that you have a clear and realistic business plan. It is common that when you start your company you have ambitious and very enthusiastic plans; however, you must keep a cool head and keep your feet on the ground. Make projections and goals that you want to meet in the short term, the earnings may not be the highest at first but they will be safe income. Separate your personal accounts from your business accounts. For your project to generate profitable returns, it must be self-sufficient; for this reason, you cannot depend on your personal income all the time. On the other hand, this division of capital gives you clarity regarding the general state of your investments, it gives you precise indicators of the areas in good condition and those that require attention. With a long-term repayment period, the installment will be lower but you will pay more in interest, so it is advisable to choose a suitable period, neither too short nor too long. If you establish a very tight repayment period and unforeseen events arise, then you will have problems facing the debt. Establish the repayment of the loan according to your income and expenses. If you have problems with this decision, contact a financial advisor or the financial institution itself for guidance. If it is a temporary pothole and you do not need a lot of money, you have the option of requesting microcredits whose return can range between 7 and 60 days. Financial entities will not confirm the loan if your financial debts exceed more than 30% of your income. Remember that asking for a credit loan in Singapore is a serious decision that you cannot take lightly. Calculate how much you should pay depending on the amount requested, be honest, and think if you can afford it. By knowing how to manage money, the general performance of your company will improve and reach new frontiers; however, mishandling can have the opposite effect and get you into trouble. 3 – Make a comparison Make a comparison to find the entity that offers the lowest interest and that charges very few commissions. To compare each lender you will have to look at the APR, also check other conditions such as what would happen in case of early cancellation or late payment. Investigate all possible options, from loans offered by your traditional bank to online loans The market is full of money lenders and each one offers different offers to attract customers, such as the promotion of the first free loan, that is, without interest. Likewise, it is very important to find a loan that suits your circumstances. Are you in Asnef? Do you have someone who can vouch for you? Do you have any property in your name? Analyze what conditions you can offer to know what type of loan you need. 4 – Know: What is my ability to pay? The second of the tips before requesting a credit loan in Singapore is that you know your ability to pay. In other words: it is the amount of money that you will have monthly to be able to make your credit payments within the established term. To find out, you need to calculate the net profit (the final amount you receive net of expenses) of your business. Know the financial institutions Before hiring a service, compare the different options on the market. Do not get carried away only by the amounts, check what are the benefits that they offer you and if you really need them. And finally, make sure you have the necessary information and guidance before signing any contract. Remember that it is essential that you have an excellent credit history. A good payment history speaks of a person who is responsible, capable, and committed to his aspirations; This generates a lot of confidence for financial institutions and there are more possibilities of acquiring a loan. 5 – Read the contract conditions and Comply with the conditions of the contract Always read the Terms and Conditions of the moneylender. Although it seems incredible, many users do
Company Loan in Singapore.
Unless your company is self-funded or backed by investors, you are likely going to need a company loan to grow your business or meet the company’s cash flow demands. There are different types of business loans available, so before you apply for a company loan, you should first identify the type of loan that best suits your needs and ensure that you can meet the requirements provided. Here is what to expect the lender to demand when you apply for a company loan in Singapore. 1. Collateral. Collateral is defined as an item of value used to secure a loan. The collateral is used by lenders in minimizing the risk if the borrower is unable to pay. The lender will ask for collateral to minimize her losses. If the company defaults on the loan, the lender can seize the collateral and sell it to recover the losses. 2. Business Plan and Financial Details. A business plan may not be a requirement for all lenders but it is no exception. The lender should be able to understand if the borrower has a plan on how to utilize the resources. Financial information such as current loans, investments accounts, all bank accounts, and tax ID numbers are also ways of analyzing the company history with debt and financial information. 3. Accounts Receivables and Accounts Payable. When your business uses assets as collateral, the bank will analyze carefully to make sure that they reduce the financial risk. For example, when you pledge accounts receivable as collateral, the lender will certify that those companies are solvent and therefore they can accept a percentage of the value as a backup. For accounts payable, they want credit references from your suppliers on account they can vouch for your payment history with your company. 4. Complete and Audit Financial Statements. The latest balance sheet is important as it shows the assets, liabilities, and capital of the company. The profit and loss statement for the 3 last years shows enough history of your business and they can indicate to the lender that you have good credit to pledge as collateral. Engaging an auditor to audit your financial statements indicates to the lender that they can vouch and approve for your accuracy in the preparation of financial statements. 5. Credit Score. A credit score is a number that ranges between 300 and 850 and is used to determine a customer’s creditworthiness. It is mainly based on credit history where they check on the number of open accounts, repayment history, and the levels of debt. Lenders will evaluate your ability to pay the loan promptly by using a credit score. A good credit score will qualify you for the best interest rates and approval for the loan you have applied for. Therefore it is important to ensure your credit score has a good rating for you to acquire loans easily and have bargaining power on getting loans at a lower rate. Conclusion. Applying for a company loan in Singapore may pose challenges applying for the first time and being able to meet the specified requirements. However, with all the documents and paperwork made available, you a guarantee that the process of approval will take a short period. For those interested in getting a company loan, we can guarantee that company loan in Singapore is reliable, boast high loan approvals, and are licensed, money lenders.
Is Applying for a Debt Consolidation Loan a Wise Move?
If you’ve got a lot of debts that you’re struggling to keep up with the repayments, a debt consolidation loan is the best move that you can ever take! What is a Debt Consolidation Loan? This is purely a new loan that is obtained to clear other small loans, debts, or bills that one is currently making payments on. In so doing you bring all those debts into one combined loan with a single monthly installment. How is it of Benefit? Easy Debt Management – Assume you have ten loans whose installments are payable monthly. How easy is it to keep track of every loan without forgetting the payment of some? Your guess is as good as mine. To avoid this hassle, Singapore licensed money lenders are offering you an option through their debt consolidation loans. Apply for the loan and make your work easier by having only one loan to manage. Money-Saving – You can take advantage of reducing the cost of loans by consolidating loans with high-interest rates into one loan of low-interest rates. This will also improve your liquidity position as the monthly installment will reduce hence leaving more cash available for other uses. Improve credit score – Now that you are left with only one loan to manage, the chances of default are minimal. This improves your credit rating and you become attractive to future renders. Faster loan settlement – Since the loan is at a lower interest rate, the principal balance reduces at a higher rate and you are at the advantage of clearing the loan faster as compared to loans with a high-interest rate. Why should you trust SGP CREDIT for your Debt Consolidation Loan? Transparency – We are very transparent in all our dealings. We ensure that all information about your loan is communicated before entering into any contract with you. Information about the interest and any other charges involved is communicated to the client upfront. Legitimacy – We are licensed under the Ministry of law and our name appears in the list of Singapore licensed money lenders. So, you can feel safe as you are in the right hands. Favorable loan terms – We are among Singapore licensed money lenders who offer the lowest interest rates. Additionally, we customize your loans depending on your needs, your budget, and the ability to pay. Confidentiality – Just as the law requires, we uphold integrity and confidentiality to all the information about our clients. So feel free to share your personal information with us and we guarantee you that it’ll never get into the wrong hands. Our data is encrypted and thus cannot be accessed by unauthorized persons. If interested in a debt consolidation loan with the best terms follow the link to apply
Tips on getting a personal loan from a licensed money lender
If you need to ask for money for an emergency or unexpected payment, a personal loan is an excellent option. These loans offer you quick money for your expenses, such as car repairs, medical bills, or home improvements. Several banks, credit unions, and licensed money lenders offer personal loans. But what type of financial institution would be the best place to get your loan? And how do you decide? If you need money, you probably turn to your bank first. After all, she can lend you money through overdraft facilities and installment loans, perhaps also through a credit line or credit card. Going to a bank doesn’t always have to be. There are many factors to consider when comparing personal loans from licensed money lenders. You have to know their credit score requirements, loan amounts, monthly payments, fees, and other things. Even with low or no credit scores, you can find affordable personal loan options that are within your budget. Where can I get a personal loan? Personal loans are available from credit unions, licensed money lenders, and some banks. The type of lender you choose depends on your needs. Each lender has its requirements and conditions. Loans issued by Licensed money lenders Licensed money lenders are the third category of typical businesses that offer personal loans. Unlike banks and credit unions, these financial organizations focus only on offering loans. For the borrower, the amount of the monthly installment plays an important role. If this is rather high, it can lead to payment difficulties, which can negatively affect future loan applications. That is why it is worth receiving a small installment to reduce the risk of late payments. We are going to provide you with three tips that will help you keep the monthly rate of your loan as low as possible. Choose a longer term for your loan The following relationship exists between the loan term and the monthly installment: The longer the term, the smaller the monthly installment. Since the terms currently offered range from a minimum of 6 to a maximum of 120 months, these allow a great deal of leeway when choosing the contractual loan term. Although the total cost of the loan is slightly higher for the longer term, we recommend that you take out a loan on this condition to be on the safe side. The lower rate that you thus receive remains easier to manage monthly. So there is a smaller risk of not being able to pay these anymore and of getting into payment difficulties, which would damage your credit scoring and thus later loan applications. To protect yourself from such complications, you can also take out voluntary credit insurance, which pays the installments for you in the event of incapacity for work or unemployment. You also have the option of repaying the remaining loan before the end of the contractual term, so that you get back the interest that would still have accrued. Compare the different offers from the different money lenders The loans offered by the money lenders differ in terms of amount, duration, and interest. In addition, their final offer depends on their budget and approval criteria, which also differ from lender to lender. Depending on the conditions you want for a personal loan, it is important to find out about the respective loan conditions of the money lenders to apply to the right moneylender. However, gathering this information about the eligible money lenders can be a chore. That is why we recommend using an online comparison service. With this, you can quickly and easily get a good overview. Why would you prefer a licensed money lender? • Quick application process With a licensed moneylender, you often receive your money within a day or two of being approved for a personal loan. • Flexible requirements to be eligible Many state-licensed lenders target special groups of people, such as those with little or no credit history. It can be much easier to get approved for a personal loan from a licensed money lender dedicated to bettering the community. However, some state-licensed lenders charge higher interest rates than banks or credit unions. What should I look for when comparing lenders? As you shop around for lenders, you’re going to want to pay attention to these factors: • Credit score requirements Some lenders have certain minimum credit score requirements. If your credit score is below that minimum, you will have to find another lender. • Loan amount Some lenders offer small loans, between $ 50 and $ 1,000. Other lenders offer loans of $ 100,000 or more. Make sure you choose the lender that offers the amount of money you need. • Application process If you need the money quickly, choose a lender that has a quick online application process. • Annual percentage rate (APR) The APR is made up of the sum of the interest and fees on the loan. A lower APR regularly means that it will be less expensive for you to borrow the money you need. • Loan term The loan term is the time you have to pay off your personal loan. In general, a longer loan term means that your monthly payments are lower. But with longer terms, you can end up paying more in interest. • Payment amount Make sure that the amount you have to pay fits comfortably within your budget. Finding a lender that offers affordable payments is important. • Rates There are many types of fees on loans. Some of the common ones are the processing fee (to cover the cost of processing your personal loan) and the prepayment penalties (if you pay your loan in full early). Ideally, you want a lender that charges fewer fees and lower amounts for each fee. How do I decide which lender is the best for me? When you have reviewed all of these factors, you will see that some lenders meet your needs better than others. The next thing is to compare the
Unlicensed Moneylending Offences in Singapore
The money is urgent, they offer it to you quickly, without conditions, without endorsement, and in exorbitant amounts. What’s more, they promise that you will have the cash regardless of whether you are a lousy payer or have long-standing debts. Some will even say that they solve your other financial problems. Nothing seems weird to you yet? The Ministry of Law Singapore for the Protection and Defense of Users of Financial Services registered thousands of complaints about fraud in immediate credits from the unlicensed money lending in Singapore. However, this same institution recognizes that it is very difficult to register a formal complaint in these cases since most are “shell companies” that are not even registered and that cannot investigate. To grant a loan in Singapore, it is not an essential requirement to be a financial company, for this reason even some department stores also offer credits for purchases, but it is recommended that they should be certified by the Ministry of Law Singapore. The most common scams The typical deception of fraudulent unlicensed money lending in Singapore is the abuse of people with financial urgencies, through strategies such as: Quick money, but inexpensive and very long-term conditions, which represents endless methods of payment and more debt at a disadvantage. Theft of personal information for crimes such as extortion or identity supplementation. Theft of money by charging “administration fees.” Loan between individuals with no upfront fees: is it possible? The loan between individuals is to be distinguished from donation operations offered by other crowdfunding platforms. The fundamental difference is that the recipient of the loan must repay the borrowed amount plus an interest rate. The individual lender is thus remunerated. While some costs are therefore inevitable, it is essential to take an interest in the costs that are sometimes required in advance. No serious and honest lender will ask to advance fees before obtaining the loan – this is a golden rule! Such a request can lead to a scam that is operating unlicensed money lending in Singapore: the fees are paid but the credit is never obtained. It is therefore strongly recommended that you do not pay any money until you get the loan. In addition, administration fees can not be required either for a loan between individuals, only banks have the possibility. What you need to know before accepting a credit or loan offer You are probably getting all kinds of advertisements in your mailbox, including credit and loan offers. The terms of these credits or loans (including low-interest rate, flexible repayment, no objection to blacklisting) are very attractive, but caution is in order. Dishonest organizations or people try to steal money from you in this way. This type of scam is often aimed at people who are in urgent need of money or who are unable to obtain credit from a registered credit intermediary. The crooks take advantage of this “weakness” to offer loans without the consumer having to provide any proof of income or creditworthiness. If you accept their offer, they will then ask you to pay certain amounts via a non-bank institution (money transfer) or an intermediary to cover the costs. Once this payment has been made, fraudulent lenders or credit intermediaries will no longer give any news. It then becomes very difficult, if not impossible, to get your money back. In some cases, scammers go further and ask you, after the first payment, to pay various amounts before they have even credited your account. How to recognize a fraudulent lender or credit intermediary? The Ministry of Law Singapore publishes lists of approved consumer credit and mortgage lenders. The Ministry of Law Singapore also publishes a register of consumer credit intermediaries. If the organization that contacted you is not on these lists, then this is an attempted scam. What can you do if you are scammed? • File a complaint with the local police. You will find the nearest office on the local police website. • Report the facts to the Ministry of Law Singapore. Choose under “Credit” the scenario “Fraudulent credit offers / False credit”. • Be critical and don’t react to offers that are too good to be true. How to protect yourself from dishonest lenders or credit intermediaries? Here are some helpful tips to protect yourself from dishonest lenders or credit intermediaries. • Only lenders who are approved by the Ministry of Law Singapore can grant a loan. • A lender cannot charge a fee for taking out a loan. You, therefore, do not have to pay anything until the loan amount has been deposited into your account. The administration fees and the cost of credit are included in the monthly repayment installments. Anything else is illegal. • Do not communicate any personal data if the data of your interlocutor does not allow you to identify him with certainty (ID number, address, company name, etc.). • An approved lender asks about your financial situation. • Check the current interest rate on Singapore’s Economy website. • Pay attention to the language used by the lender. Frauds like the one we have just explained to you have increased and spread throughout the Internet. For this reason, we must be cautious when we receive emails or find announcements about this type of loan since in most cases, it will be an attempted scam. If we are faced with a case that makes us doubt when identifying the previous points, we must search for information online about the contact person or the email address provided in the advertisement. If we have been victims of this or another fraud, we must contact the page that publishes the ad to remove it and report it to the Ministry of Law Singapore. Let no one else be the victim of a fraud of this nature! Do not forget that you are the first responsible for preventing fraud if you avoid falling into deception: never leave personal data such as telephone, email, or address on social networks and expose