The online loan sent a text message saying that Yongsheng had paid off the debt owed to the company and asked the family to get the money ready. Anhui Q Black Volkswagen Sagitar, will it really be col

The online loan sent a text message saying that Yongsheng had paid off the debt owed to the company and asked the family to get the money ready. Anhui Q Black Volkswagen Sagitar, will it really be collected at home? It may be true. It is recommended to repay the loan as soon as possible. If it is overdue, it will bear legal responsibility.

If you are unable to repay, you can take the following suggestions:

1. Borrow money from family or familiar friends to repay the debt.

If we are facing a debt default and are unable to repay the debt, then we can borrow money from our family or close friends to repay the debt. If the debt is not paid, it will have a great impact on our credit information.

When we are faced with the inability to repay our debts, we should first consider borrowing money to repay our debts and avoid the pressure of life and work caused by owing money. Borrowing money can only start with people we are familiar with. The first choice is family and friends. They know us well and may be willing to lend us money. We can use the borrowed money to pay off the debt first.

2. Negotiate with financial institutions to extend the repayment period according to their actual income, so as to reduce the monthly repayment pressure.

If you are faced with default and unable to pay off your debts, you can negotiate with financial institutions to extend the repayment period, reduce the monthly repayment amount and reduce the repayment pressure.

When we communicate with financial institutions, we should tell them about ourselves and strive for their understanding. Put forward a new repayment plan after understanding. This repayment plan must be based on your own income to ensure that you can repay the arrears according to this repayment plan in the future.

3, through serious work to improve personal income, increase repayment ability.

If we are faced with a debt default and are unable to repay our debts at the same time, we must not lose heart. We must work harder and make better achievements to improve our personal income, and our repayment ability will also improve after the income increases.

Want to solve the problem of arrears, or to increase personal income. Only when personal income increases can there be more money to pay off the debts, so raising income is the primary task.

Consequences of non-repayment of online loans:

1, 20 19 March 12. The press conference of the Second Session of the 13th National People's Congress was held. Liu Guixiang, a full-time member of the Judicial Committee of the Supreme People's Court, said at the meeting that the publicity of Lao Lai will continue to increase in the future, especially the "typical textbook Lao Lai". At the same time, we will continue to promote "joint credit punishment" and make full use of various means of investigation and control to crack down on Lao Lai. In addition, Chen, deputy governor of the People's Bank of China, said in an interview that Internet financial institutions will be included in the credit information system in the future.

2. Personal credit information will become more and more important in the future. Its report data will also be more comprehensive and rich. If you maliciously evade debts, your personal credit will be tarnished and you will be punished accordingly.

3. If the borrower is only overdue. However, if there is still a willingness to repay, the overdue interest shall be paid according to the agreement or relevant state regulations. The parties may make an agreement on the issue of overdue interest in the contract, which may be an agreement between natural persons on whether to charge overdue interest or how much interest rate to charge, or the determination of overdue interest rate between financial institutions and borrowers within the scope prescribed by the state.

4. For the current P2P loan companies. Compliance companies are basically handled in accordance with the relevant regulations of the People's Bank of China, that is, for overdue loans, financial institutions charge interest to borrowers at a daily interest rate of four to six ten thousandths. It is suggested that the borrower repay the loan as agreed, including the principal and interest. But if the online loan is not repaid, you need to bear legal responsibility.