What are the consequences of a day in loans overdue, the Postal Savings Bank?

Loans overdue, the postal bank, will also affect the credit investigation, but the situation is not serious. If the repayment is overdue for one day, the overdue record will be recorded in the credit report by the bank, and the repayment record of loans overdue will be recorded in the personal credit report. Occasionally 1 time does not exceed 90 days, which has little effect. Even if only 1 time is overdue for more than 90 days, it will be regarded as malicious overdue by the bank and blacklisted. A small number of times will not affect it, but there will be an overdue record of 1 in the credit investigation. In the future, three such overdue records may also be blacklisted as long as it does not have much impact on timely repayment. Therefore, we should cherish our credit history and pay attention to our repayment time, so that when we need a loan again, we will be unable to handle it or have trouble with the formalities.

In banks, there are several grades overdue, of course, the corresponding mortgage ratio is relatively large. Grade 1, 0-30 days overdue, grade 2, 30-60 days overdue, grade 3, 60- 120 days overdue.

At present, there are three repayment methods of micro-loans introduced by China Postal Savings Bank, namely, one-time repayment of principal and interest, equal principal and interest, and equal principal and interest in installments.

(1) One-time repayment of principal and interest, that is, one-time repayment of loan principal and interest at maturity, is only applicable to small loans of merchants within 3 months (inclusive) or small loans of farmers within 4 months (inclusive);

(2) Matching principal and interest repayment method, that is, repaying the loan principal and interest with the same amount every month within the loan term;

(3) installment equal principal and interest repayment method, that is, only the loan interest is repaid during the grace period of the loan, and then the loan is repaid by equal principal and interest repayment method after the grace period. Small loans for merchants, with a maximum grace period of 4 months; For small loans to farmers, the longest grace period for loans is 10 month, and all tier-one branches should reasonably determine the longest grace period for local loans according to the agricultural production cycle or capital turnover. Generally, the process of applying for a loan at the Postal Savings Bank is as follows:

1. The borrower fills in the approval form for loan application of Postal Savings Bank and submits relevant materials to the loan bank.

2, the bank's credit personnel to review all the information and documents submitted by the loan applicant, step by step for approval.

3. The savings bank informs the lender to sign the contract and issue the loan, and the borrower repays the loan as required.

4. After paying off the loan, the borrower shall settle the account with the bank and please return the mortgage of the loan.

The loan officer of the loan bank will file the loan file.