Will the online merchant loan really visit the household registration?

False, loans overdue, an online merchant, will affect personal credit information, but he will not collect it at home under normal circumstances.

With the development of finance, many people borrow from financial institutions, and online business loans are loans from online merchant banks. Because of the convenient loan procedures, many people borrow money from online merchants, but the interest rate of peer-to-peer lending is very high, and many people are overdue because they cannot repay on time. After the deadline, there will naturally be collection, and some people worry that online merchant loans will be collected at home because they are overdue. Online business loan is a kind of small online loan, which faces many customers. If you collect at home, it will increase your own cost, so the collection will generally be based on online collection, and there will be no door-to-door situation.

1, SMS collection, for long-term overdue borrowers. Basically, it is to send text messages to remind you, or some network collection text messages automatically sent by company robots are basically reminders. For example, if the credit card is overdue by 2/3, you will receive a SMS reminder.

2. Telephone collection is also the most commonly used collection method because of its low cost. At present, there are many electronic call companies or call centers in society. They recruit a large number of telephone collectors or customer service collectors, and the academic level of recruiters is not particularly high. It can be used in middle schools, high schools and junior colleges, and the cost is relatively cost-effective. Adopt the model of basic salary plus commission. Telephone collection emphasizes communication and pressure with the debtor or the debtor's contact person by telephone. Because there is a telephone line between the two, you can't see yourself, so there are many skills for telephone collection, such as increasing the telephone frequency and calling the borrower at different times.

3. Through some current network tools, such as email, QQ and WeChat, because some debtors may turn off their phones or change their numbers, and no one can be found, their WeChat or his email may still be in use. This method is basically aimed at some lawless elements who have lost contact.

4. Legal collection. Some companies may take legal collection measures when they encounter some customers with repayment ability who maliciously default or defraud a large amount. Legal collection is one of the main collection methods of some banks. Mainly for some business owners, because the amount involved is relatively large, the process of legal collection is more complicated by mailing a lawyer's letter or dunning notice to your residence and then suing through the court. Basically, these cases will be packaged into law firms and accepted by law firms.

5, go out to visit, commonly known as door-to-door collection. There are two other situations. The first one is regular door-to-door collection, including sending letters, looking for family members, looking for relatives and looking for unit leaders. Through these people's side pressure and regular door-to-door collection, they basically brought mobile phone cameras, and some contract materials may also bring lawyers. This kind of collection is basically a door-to-door visit by employees of the company, which mainly causes a psychological pressure on debtors and their families, but it is not illegal within the scope permitted by law. Home collection, packaging to some debt collection companies. Debt collection companies may come to collect debts in extreme ways, such as painting, stalking, swearing, beating and even kidnapping. This kind of debt collection company has no bottom line, and its personnel are also composed of some unemployed people in society. The bad debts they handle are basically dormant accounts and the amount will be relatively large. They wander in the law, even breaking the law, such as some usurers.

Legal basis: Article 108 of the Civil Law of People's Republic of China (PRC) shall pay off debts. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court.