Rewritten Title: Police Issue Stern Warning on Illegal Bank Loan Trading Practices
Article:
A National Alert on Loan Misuse
In a decisive move to protect citizens and uphold financial regulations, senior police officials have issued a critical public warning against the burgeoning and illegal trade of bank loans. The practice, which involves the buying and selling of loan entitlements, has been declared legally invalid and poses significant financial risks to the original loan holders.
The Core of the Warning
According to Colonel Mohammad Sharifi, Head of the Social Department of the Law Enforcement’s Criminal Investigation Directorate, the buying, selling, or advertising of bank-issued facilities—including marriage, housing, and credit loans—lacks any legal foundation.
“Transactions involving the sale of bank loan entitlements are not recognized from a legal standpoint,” Colonel Sharifi stated. He emphasized that each loan is granted based on the specific, individual circumstances of a person and is intended for their use alone.
Unpacking the Risks for Citizens
The primary danger for citizens, as outlined by the police, is that the original individual to whom the loan was granted remains fully liable for its repayment, regardless of any private agreements made to sell it. If the subsequent buyer fails to pay the installments, the bank will legally pursue the original loan holder for the full amount.
This has already led to a significant number of legal cases, placing an additional burden on the judicial system as it deals with the fallout from these invalid agreements.
A Spectrum of Illegitimacy
Colonel Sharifi provided a nuanced view of the advertisements promoting these services. He clarified that while not every offer is an outright scam, none possess legal standing. Some offers, he noted, are based on real loan entitlements but are being traded illegally. A more dangerous category involves completely fraudulent offers designed solely to extract advance payments or steal the banking information of unsuspecting victims.
This official warning serves as a crucial reminder of the importance of adhering to formal banking channels and the severe personal financial consequences that can arise from engaging in unauthorized and illegal financial arrangements.