is this a scam ! Hector Carnavaro [email protected]

Good morning i've received this email from : Hector Carnavaro [email protected]
and he said that he cann loan me some money , 4000 $ to be exact ,

Hector Carnavaro
To MeMeMe

Removed (BW),
I received your messages. I apologize for the delay in writing to you. But it is because the whole day I was busy at a conference.
I want to tell you that I have already filed your case for the transfer of funds as agreed. Transfer your $ 4,000=3.000€ has been made ​​this afternoon. But for now, you still can not receive the loan. You still can not take your loan because the funds transfer was made at 95%. For the $ 4,000 is available on your bank account, you must first transfer the funds is made at 100%. The transfer of funds has not been performed at 100%, because to take the loan you must have an account credit insurance. It is important that you know that credit insurance can help you:

1 - Now you'll be able to get a loan in a period of 2 hours.

2 - In case of illness or in case of lack of money for repayment at the end of each month, credit insurance can help cover this expense.

3 - This account provides your family.

4 - Allows the creation of a paid as an annuity or capital at the end of each month over the term of the loan economy.

5 - offers health insurance, accident insurance and social.

Apart from all this, the account credit insurance allows us to recover the full amount paid even if a claimant dies.

I wish to inform you that the creation and development activity on your account credit insurance, will cost 150€.

After receiving your $ 4,000, I'll send the loan agreement and the recognition of debt that you will sign. I'll also send you the procedure for refunds at the end of each month. And that's all.

I am waiting for your reply to tell you how to make the payment of fees for credit insurance so that you can take your loan as quickly as possible.
Learn that after this payment, you will be able to take your loan within 30 minutes.

You should also know that it is impossible to deduct credit loan insurance costs because these costs are out of contract. So on the loan agreement, you must obtain a total of $ 4,000 more or less.
In addition to this you should know that credit insurance is much better for you and for us. For putting us in confidence.
I am waiting for your answer.
Take care and God watch over you and your family.
Regards

Can you tell me , is a scam ? i think yes

[AlanJones]

Legitimate money lenders do not use free Yahoo email addresses or approach people by email.

The only legiitmate way to get a loan is through a bank in your country - if they won't lend to you then no one else is going to and and offer you get is a scam.