据悉,《每日经济报道》通过测试学生进行借款:该学生原申请的借款是1000元,但借款后发现变成了1093元,需要多还93元本金,多出的93元为投保易安保险的意外险产品,由此可见学生不仅可以在及贷平台借款,还会稀里糊涂的被投天价保险。
同时,及贷不仅通过这种隐蔽的方式搭售易安保险产品,其保费也远超同类产品,经测试学生亲手操作之后,发现了一个有趣的现象——及贷和用户做了一场考验观察力的小游戏。
借款人在借款的时候,需要将页面最下方的“借款人保障计划”点开,才能取消投保,借款人保障计划中并未直接显示是购买保险,因此难以被发现。
测试学生实际获得的贷款为1000元,分6期偿还,每期需还款203.13元,总计要还款1218.78元。调用IRR公式计算,年化利率竟高达71.56%,已然高出了法定利率。
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