What if the loan is not paid?

You can apply for deferred repayment if the loan hasn't arrived yet. You can apply through customer service telephone number 952228. Usually, your reasons are reasonable. Most people who agree to your application should explain their own situation and then apply for deferred repayment. As long as the borrower has a good repayment attitude and sufficient reasons for delaying repayment, it is easier to apply for delaying repayment. If there is not enough time, you can also directly negotiate with customer service to extend the repayment period. After the borrower submits the application, the customer service will review and evaluate it according to the reasons given in the application and the information provided. If the assessment is passed, the repayment period can be successfully extended. If the assessment fails, repayment must be made according to the original repayment plan.

When negotiating, we should actively seek financial institutions to produce relevant documents to confirm our repayment intention, but for some reasons only, we really don't have the repayment ability today. Poverty certificate, hospitalization certificate and unemployment certificate are all acceptable. Financial institutions or other service platforms still refuse to negotiate repayment, or financial institutions refuse to give practical solutions on the pretext of active negotiation with sincerity, sufficient materials and authenticity.

But if you don't agree, you can borrow money from relatives and friends first, and then pay off the money owed by the state branch to avoid increasing interest. After paying off, you can find ways to raise money and return it to your relatives and friends. Don't be seriously overdue, otherwise you will go to the credit, which will have a bad influence on your personal credit.

If loans overdue doesn't return it, the personal credit report has a bad credit record, so you can't enjoy the preferential loan, and the use of bank cards will also be affected. What's more, if the lender collects the term loan according to law, it will bring a lawsuit to the court according to the loan contract and guarantee contract (mortgage or pledge contract), and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and the loan guarantor and sealing up the pledged property. After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses.