Debt is high, and at the age of 26, I told myself how to save myself and get out of trouble.

Debt is high. At the age of 26, I told myself how to save myself and how to get out of the desperate situation. Let's first understand the fact that debt is now a matter for the whole people. Live a good life first! Keep a normal mind, after all, the right to life is greater than the creditor's rights!

In today's society, many people are heavily in debt in the process of life or work because they lack knowledge of economic laws and financial planning, and they can't extricate themselves for a long time. How to optimize debt reasonably has become the focus of our study.

The epidemic has been going on for three years, and the current economic situation in China is quite grim. In 2022, 800 million people were in debt, and 420 million people were unable to repay their loans. The overdue credit cards alone reached more than 200 billion, the national debt reached more than 300 trillion, and the per capita debt exceeded 200,000. Now there are 500-600 million people without deposits. Online loans are overdue by more than 70 million people. The number of untrustworthy people is commonly known as Lao Lai, with 7.99 million people. The per capita disposable income of the national residents is only 36,900 yuan. Now the life of ordinary people is like a snail crawling forward with a heavy house on its back. In the long run, it will inevitably affect the national economy and people's livelihood and cause the collapse of the national economic base. Many people's income has dropped a lot because of the epidemic, and they can't even cover their own debts. So many people have to consider debt optimization!

And what debt knowledge do we need to master for debt optimization?

I. Problems that can be solved by debt optimization

When people can't make ends meet, many people choose to borrow new debts to repay old debts to support loans. Or, swipe your credit card to cash in, blindly rob Peter to pay Paul, and finally screw up the debt!

Debt optimization is to solve this problem. After scientific optimization, debt can be handled with minimum cost and expense.

Second, what other financial knowledge do we not know?

Every debt is different, and the interest rate of every loan is different. Some debts can be postponed, some can be handled by stages, and some can be exempted from one-time repayment; So as to integrate the repayment period, repayment amount and repayment order, get an optimal debt treatment scheme, actively control the increase of debt, shorten the treatment time and reduce the treatment cost!

3. What is a stop-and-go account?

Stopping interest and hanging accounts means stopping overdue interest, packing credit card debt and installment debt for the second installment, which can be divided into 60 installments at the longest, and can also reduce some interest and liquidated damages!

Fourth, what is personal debt restructuring?

Personal debt restructuring is to integrate all credit cards, online loans and loans according to the current debt situation of customers.

According to the current repayment ability, if you give priority, you can stop paying interest, postpone repayment and reduce interest. Anyway, it is to deal with debts in the shortest time and at the least cost.

The benefits of rest!

1, stop high interest rate.

Step 2 stop collecting

3. Interest-free installment to reduce repayment pressure.

4. Only repay the principal, pay off the debt quickly, and be forced to go ashore.

5, exempt from court prosecution, become Lao Lai, limited to three highs.

6. It will not affect the normal life of the family.

"the influence of doing nothing"

1, indicating overdue or stop payment.

2. Credit is affected during the repayment period.

3. After paying off, the credit will automatically return to normal.

What will happen if you don't deal with the debt?

1 will result in high penalty interest and liquidated damages.

2. You will face the bombardment of collection, and even call your parents, spouse, brothers and sisters, classmates and colleagues.

3. If you are not prosecuted by the court for a long time, you will face criminal responsibility, be restricted to three highs, be blacklisted by Lao Lai, and even affect your children's schooling and employment.

How to solve your debts correctly! The following three points

There is a lot of money to hedge.

(2) increase their income, at least more than three times the current level, and repay the principal and interest of the debt at the same time.

(3) Stop paying interest, stop future interest, repay the principal and stop loss in time.

5, 2.5 discount debt optimization

If we can't do this, even if the debt amount is very large, then 2.5% debt optimization will be the last straw for our debtors! Analysis of 2.5% Discounted Debt Optimization Policy Document;

20216543817 October, the General Office of China Banking Regulatory Commission issued the Notice on Carrying out the Pilot Work of Non-performing Loan Transfer (Yin Bao Supervision Note [2012] No.26), hereinafter referred to as the Pilot Notice. The notice allows individual non-performing loans to be transferred in batches.

This notice officially landed in Beijing in March 2022. After more than a year's exploration and practice, this measure is in line with the people's hearts and the national conditions. Therefore, China Banking and Insurance Regulatory Commission issued a document to expand the pilot scope of transfer.

The pilot banks include six large state-owned banks (see attached table 1 for details) and 12 national joint-stock banks; The acquirer includes five major financial asset management companies and qualified local asset management companies (local AMC) and financial asset investment companies (AIC). (That is to say, A, you can write off your debt at the pilot bank with a discount of 2.5%. B If you want to be the executive office for the disposal of non-performing assets, you must first get the approval of the five AMC)

The pilot types of personal non-performing loans include personal consumption credit loans, credit card overdrafts and personal business credit loans (note: personal housing mortgage loans, personal consumption mortgage loans and personal business mortgage loans are not included in the pilot scope) (in other words, 2.5% discount is a bubble debt).

The "Pilot Notice" pointed out that asset management companies can only take measures such as self-collection and reorganization to dispose of personal loans acquired in bulk, and it is strictly forbidden to entrust institutions with records of illegal acts such as violent collection of black crimes to carry out collection work. (meaning: you can't cancel the executive office with a 25% discount if you are not innocent)

Asset management companies may not transfer personal loans again after purchasing them. It is a very big difference to prohibit the acquisition institution from transferring personal loans to the outside world again, compared with transferring corporate loans, which will greatly limit the ways of collection. Personal loan debts acquired by asset management companies will only rot in their own hands if they cannot be recovered.

The "Pilot Notice" puts forward that "local asset management companies accept personal non-performing loans in batches without geographical restrictions", which is also a major breakthrough in the non-performing asset management industry. Local asset management companies can participate in the primary market of personal loan bad batch transfer business, which can be carried out nationwide. Although the office is located in Shenzhen, it is not subject to geographical restrictions.

Banking credit assets registration and circulation center ("Yindeng Center") (meaning: everyone can believe the information released by Yindeng Center)

2022-07-20 Notice of the Ministry of Finance on Further Strengthening the Financial Management of State-owned Financial Enterprises (Jin Cai [2022] No.87) should intensify the write-off of non-performing assets and make full use of the existing write-off policy. (meaning: 2.5% write-off is a wise measure that conforms to the national conditions, benefits the country and the people, and can solve the current predicament, and should be vigorously promoted)

2022- 12-29 Notice of the General Office of China Banking Regulatory Commission on Launching the Second Batch of Pilot Work of Non-performing Loans Transfer

(Yin Bao Supervision Office Memorandum [2022] No.65438 +0 19 1) On the basis of the original scope of pilot institutions, this time, development banks, export-import banks, agricultural development banks, trust companies, consumer finance companies, auto finance companies and financial leasing companies will be included in the scope of pilot institutions; City commercial banks and rural small and medium-sized banks registered in Beijing, Hebei, Inner Mongolia, Liaoning, Heilongjiang, Shanghai, Jiangsu, Zhejiang, Henan, Guangdong and Gansu will be included in the scope of pilot institutions. Village banks can do it now, but they used to be city banks. However, basically, the release and implementation of each measure takes a quarter. So you can look forward to it)

202 1-03-0 1 The year after the promulgation of the Regulations on Individual Bankruptcy in Shenzhen Special Economic Zone: * * 103 1 individual bankruptcy applications were reviewed, 74 cases entered the bankruptcy application review procedure, 25 bankruptcy procedures were initiated, and individual bankruptcy cases were concluded1. The examination conditions of personal bankruptcy are extremely harsh, time-consuming and labor-consuming, and it is exhausting, which can not be widely promoted and can not solve China's debt problem. (Through the parallel comparison of the two policies, it finally shows that the 2.5% discount treatment is more suitable for China's national conditions, and it is being widely promoted at present. )