What does Xiaomi usually do when he goes to loans overdue?

Under normal circumstances, you can go to the loan page to contact customer service to negotiate repayment, so as to minimize interest. Xiaomi should repay the arrears as soon as possible after he is in loans overdue. If you don't have money, you can borrow money from relatives and friends to pay back the debts, and then pay them back when you have money. If you don't want to borrow money from relatives and friends, you can also choose to borrow money from other lending platforms. At present, after Xiaomi loans overdue, the daily interest is charged at 0.5 times of 65438+ original interest. For example, the borrower's original daily interest rate was 0.05%, but due to overdue behavior, the daily interest rate became 0.075%. In addition to overdue interest, Xiaomi Loan will also report the borrower's overdue records to the credit information system. Once the overdue records are reported to the credit information system, it will be very difficult for borrowers to want mortgage and car loan in the next five years.

1. failed to repay the loan principal and interest to the lending bank within the time limit stipulated in the loan contract, resulting in the loans overdue phenomenon. Generally speaking, for short-term loans overdue behavior, lending institutions will regard it as non-malicious overdue. As long as the lender immediately repays all the arrears, the lender will not be held accountable or creditworthy. The central bank stipulates that all overdue loans within 90 days shall be recovered, and overdue loans shall not be issued maliciously. For long-term overdue behavior, the main reason is that the number of overdue days exceeds 90 days, and the lending institution will identify the overdue loan as malicious overdue and list the loan as "bad debt".

2. As the first line of defense of loan risk, the audit post should pay attention to the acceptance process and be vigilant. Examining whether the application materials submitted by the applicant are complete, and whether the contents are complete and compliant; Whether the applicant's subject qualification meets the relevant business requirements of our bank and whether it has a bad credit record; Whether the purpose of the loan is in line with the bank's credit policy and whether it is specific; Whether the loan investigation report is complete, whether the calculation of key financial indicators is accurate, whether the obtained data has been cross-verified, whether the customer credit rating table is reasonable, and whether the palm suggestions in the investigation report are reasonable; Telephone to verify the borrower's information, whether the guarantor of the secured loan understands its guarantee responsibility, and whether the members of the joint guarantee loan team understand its joint and several liabilities. If the unqualified business is returned to the loan officer, the corresponding materials shall be supplemented according to the audit opinions or the loan shall be refused. The members of the loan audit committee may hold the positions of microfinance business supervisor, post-loan management post and microfinance business supervisor of microfinance institutions with certain experience.

3. As the second line of defense for loan risk, the quality of the loan review committee will directly affect the risk in loans overdue, and also affect the quality of investigation and review. Therefore, members of the loan audit committee should fully grasp the information in the investigation report in advance, grasp the main risks, and ask the loan officer about the personal basic information, loan purpose, production and operation, operating cash and other issues of the loan applicant. The flow, repayment ability and personal credit of the operator; The loan officer should highlight the key points and truthfully answer the questions raised at the loan review meeting. The loan review committee implements a one-vote veto system. The loan can only be approved if all members of the loan review Committee agree unanimously. At each loan review meeting, arrange a special person to record the contents of the loan review meeting, record the questions of each loan review meeting member and the answers of the loan officer in detail, and fill in the loan review meeting record form. There must be no "going through the motions".