Who owes CreditEase a loan, what will happen if it doesn't? I've already eaten three.

In life, everyone will encounter difficulties in cash flow. In addition to borrowing money from relatives and friends, many people will choose to borrow money from banks.

It is not only the business needs of many enterprises to borrow working capital from banks, but also many people choose to borrow money from banks when facing personal housing and consumer demand. According to the data of the central bank, RMB loans increased by 663.2 billion yuan in 20 17, up by1900 million yuan year-on-year. By sector, household loans increased by 451billion yuan, of which short-term loans increased by 7.91billion yuan and medium-and long-term loans increased by 3.71billion yuan.

However, it should be noted that borrowing money from banks carries interest, and there are still many regulations to be observed. If you can't repay it in time, there will be serious consequences.

A man in Jiangsu owed 6 cents six years ago, and now he is forced to pay back 1 10,000 yuan by the bank.

The man overdrawn 60 cents with his credit card when he was in college, but he forgot to pay back the 60 cents. Now six years later, the bank asked the man to return 9267.2 yuan with interest, which was also blacklisted. Including the overdraft in 0.6 yuan, overdue interest 156 1.72 yuan, overdue fine of 7,574.94 yuan, overrun fee of 7.03 yuan, annual fee 150 yuan.

Netizens feel that the bank's approach is inhuman. Sixty cents in the bank has not reached nearly ten thousand.

There are two main forms of money owed to banks in life: one is bank loans, and the other is credit card arrears.

1. What is the worst result if the loan is not repaid?

First of all, interest expenses have increased substantially.

Individuals borrow money from banks and cannot repay it on time. Banks usually remind borrowers to repay their loans on time by phone or SMS, and default interest will also be generated through account manager's collection. If the repayment has not been received, the bank will file a lawsuit through the court or apply to an arbitration institution for arbitration.

1 month, default interest will be taken.

/kloc-within 0/-3 months, the bank will remind you by SMS, the account manager will call the customer, and various field surveys will be conducted.

After more than 3 months, the bank will call to remind you, and the account manager will come to collect it. In the meantime, we must constantly check the clues of its assets and register the client's real estate on the website of the Housing Authority to prevent the transfer of property.

Six months later, the bank appealed to the court, and the court summoned the borrower's home to auction the collateral (house) to pay off the debt.

The worst result is that the collateral is auctioned by the court to pay off debts; And record a bad payment in the personal credit file, so it is basically difficult to borrow money next time.

Secondly, the lender's credit will be affected. The lender's overdue repayment will leave a bad record in the credit information system of the People's Bank of China, which will be affected in terms of loans, credit card applications, job hunting and so on. If the court or arbitration institution has made a judgment, but the borrower still refuses to return it, it will be included in the list of people who have lost their trust. The faithless person is commonly known as "Lao Lai", and it will be difficult to apply for a bank loan in the future! In addition, high consumption (flying, traveling and vacation, etc. ) people will also be restricted.

2. What happens to credit card arrears?

If the credit card is not repaid, in addition to the late payment fee, you need to calculate a high penalty interest on a daily basis. At the same time, it will leave a stain on your credit record and affect your personal life, such as buying a car or a house.

If you owe a large amount, you may be sued, and in serious cases, it may affect your daily life and that of your family.

What will banks do in the face of overdue?

When you are overdue, the bank will usually send a text message or call for collection. In the face of collection, if you owe a lot of money and haven't paid it back, the bank may come to collect it. If all this fails, the bank will sue you and try to recover the arrears.

Don't you still go to jail for money owed to the bank?

Failure to repay the bank loan is only a civil dispute, and under normal circumstances, it will not go to jail. After the loan expires, the bank will notify the borrower to repay the loan by dunning for a period of time. If the borrower still fails to repay the loan, the bank will send a special person to negotiate and solve it. If a bank brings a lawsuit to the court and the debtor fails to perform the court judgment after the court judgment, the bank may apply to the court for compulsory execution. However, if the debtor has the ability to execute the judgment and refuses to execute it, if the circumstances are serious, it will constitute the crime of refusing to execute the judgment: Article 313 of the Criminal Law stipulates that a people's court refuses to execute the judgment or ruling if it has the ability to execute it; if the circumstances are serious, it shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine. If it is really difficult to perform, the court will also extend the performance time.