The consequences of loans overdue's repayment.

What are the most serious consequences of overdue online loans?

If the online loan is overdue, it will have the following adverse consequences:

1. The penalty interest will be charged from the overdue date until the customer pays it off in full. However, the penalty interest rate of many lending platforms will rise above the borrowing rate. If the customer has been in arrears, I am afraid there will be a lot of penalty interest. At that time, more and more customers will have to repay, and the repayment pressure will increase.

2. The loan platform will submit the overdue situation to big data, leaving a bad record in it. However, some platforms or their cooperative lending institutions have the central bank's credit reporting authority, and may also report the overdue situation to the central bank for credit reporting, leaving bad information in the customer's personal credit reporting, thus causing the customer's personal credit to be damaged.

3. I am afraid that the platform system will start risk control on the customer's loan account and freeze the quota, so that the customer can no longer borrow. At the same time, due to credit damage, customers will probably not be able to borrow from other lending institutions, platforms or banks. After all, the other party will also check the customer's credit status when approving. Once problems are found, they will naturally refuse to approve the loan.

Consequences of repayment in network loans overdue

Lenders of online loans are banks or financial institutions: overdue credit reporting at meetings will affect their future use of loans and credit cards; The lender of online loan is the loan software itself: if the credit information is not received within the time limit, its overdue records will be shared with other loan platforms by online loans, which will affect its future use of online loans.

The consequences of overdue repayment are different for different lenders of online loans. Lenders are banks or financial institutions, and the most serious consequence is that users will check their credit at the meeting, and users will be punished by banks or financial institutions. Users who are seriously overdue will also be fined and detained.

Once the overdue records of users are uploaded to the credit information system by online loans, users will be restricted from all high-consumption behaviors, and banks or financial institutions will not provide loans and credit cards for users. If users have bad credit records in the personal credit information system, big companies will not hire themselves.

The lender is the loan software itself, and the user may be violently collected by the loan software after the deadline. The loan software will also share the overdue records of users with other online lending platforms, and other online lending platforms will not provide loans for users.

No matter who the lender of the online loan is, the user will have a large penalty interest after the deadline, and the interest will be charged according to compound interest. The longer the overdue period, the higher the penalty interest amount.

What are the consequences of online lending?

The consequences of non-repayment of online loans include but are not limited to the following:

Affect personal credit record: overdue repayment will affect personal credit record, which may lead to a decline in credit rating, thus affecting future loan and credit card applications.

Collection action: after the borrower is overdue, the lending institution can adopt various collection means, such as telephone, SMS, door-to-door collection, etc. Some collection agencies may use threats, intimidation and other means to adversely affect borrowers.

Increase repayment amount: overdue repayment will lead to the accumulation of penalty interest and late payment fee, thus increasing repayment amount.

Legal consequences: Lending institutions have the right to recover debts through legal means. For example, the borrower can recover the arrears through enforcement after the judgment.

Therefore, borrowers should carefully consider their repayment ability before borrowing to avoid excessive borrowing and overdue repayment. If you encounter repayment difficulties, you should contact the lending institution in time and negotiate to solve them, so as not to adversely affect your personal credit record and economic situation.

What are the consequences of online lending?

What are the consequences of online lending?

First, bear high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. So, if you have the ability to repay on time, don't be overdue.

Second, undertake the fancy collection of the platform.

The collection is generally divided into three stages: the first stage, just a few days after the overdue, the platform customer service mm will gently remind you that it is overdue, please repay it on time; In the second stage, if it is overdue for a long time, the platform customer service will seriously warn that the threat of overdue will face serious consequences; In the third stage, it was overdue for a long time, and the platform stopped trying to convince the other party and began to take practical actions.

There are many practical actions, such as: the platform pushes your arrears information to your relatives and friends, which makes you lose face in the circle of friends; The platform arranges special collection personnel to collect money at home and communicate face to face to collect accounts. Of course, these are still relatively mild. Some platforms outsource collection, and special collection companies collect them. The collection company "violent collection" that broke out some time ago believes that borrowers are not willing to encounter it.

Third, facing the crisis of national trust.

Now online lending platforms have established a blacklist system, and blacklist platforms have begun to communicate with each other. Borrowing on one platform is overdue, and it is very difficult to borrow on other platforms. In addition, online lending platforms will publicize blacklists through their own online channels such as WeChat and Weibo, and even on the big screens of railway stations and airports. Let the people all over the country know that these "old lai" borrow money and don't pay it back! Of course, ordinary borrowers will not go so far except those who owe money maliciously.

Fourth, the People's Bank of China is tainted.

At present, most online lending platforms have not been connected to the People's Bank of China's credit information system, but it has become an inevitable trend to connect to the People's Bank of China to collect Zheng Xin. In the future, if the online lending platform fails to repay the loan within the time limit, it will be recorded in the credit information system of the People's Bank of China like bank loans and credit cards, resulting in credit stains. If the previous consequence is only losing face, then the stain of credit information will affect real life, and there is no way to borrow money if you want to buy a house, no way to mortgage if you want to buy a car, and so on.

The defendant went to court.

After the loan is overdue for a long time or deliberately not repaid, the amount exceeds 2000, which can already constitute a crime and is in danger of being sued by the online lending platform. Once the online lending platform wins the case, the borrower not only has to pay the money that needs to be repaid, but also pays the litigation costs and huge fines of both parties, and even faces jail time.

Consequences of loans overdue's Failure to Return the Internet.

The lawyer replied.

Consequences of repayment in loans overdue:

1, which will result in high overdue penalty interest;

2. It will be collected by the loan platform in various ways;

3. If the borrower still fails to repay the loan after the judgment, the lender may apply for compulsory execution, and the property of the person subjected to execution will be sealed up and frozen according to law;

4. If the person subjected to execution has the ability to perform and refuses to perform, the person subjected to execution may be included in the list of untrustworthy persons;

5. If the circumstances are serious, it may constitute the crime of refusing to execute the judgment.

The first paragraph of Article 313 of the Criminal Law of People's Republic of China (PRC) stipulates: whoever refuses to execute the judgment or ruling of the people's court, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.

legal ground

Article 3 13 of the Criminal Code of People's Republic of China (PRC).

Refusing to carry out the people's judgments or orders, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.

If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.

So much for the introduction of the consequences of loans overdue's repayment.