Description of Bank loans overdue

Personal information about overdue credit cards How to write a

Personal information about overdue credit cards is mainly to explain the reasons for overdue, and promise that there will be no overdue behavior in the future. The content must be true and sincere, and express your determination to repay on time in the future. Such instructions are of little use if there is a malicious overdue.

Personal information about overdue credit card

To a certain bank:

I, Li Si (ID number: 4216322), found that there were overdue records in my personal credit report when I applied for a commercial mortgage (loan amount of 4, -2 years-equal principal and interest) from a certain bank, and I hereby make the following explanation to your bank:

I hold an ordinary credit card of your bank, because of my work. It was not until I went to the bank to handle the mortgage business that I was told that there was an overdue situation.

as soon as I receive the overdue notice, I will immediately repay the previous overdue arrears together with the principal. I feel very sorry for the overdue repayment due to personal negligence, but I really didn't default maliciously. Please forgive me.

I promise to strictly keep my word in the later loan, repay it on time, and strictly follow your loan repayment plan. I promise that there will be no overdue repayment, and I will bear all the consequences caused by failure to repay it in full and on time if I am willing.

Explanator: Li Si

Date: Year, Month

A description of overdue credit card, which mainly explains the reasons for overdue, and promises that there will be no overdue behavior in the future, and the content must be true and sincere, expressing his determination to repay the loan on time in the future. Such instructions are of little use if there is a malicious overdue. The above model is for reference only. If you need to write it, you can elaborate it according to your own actual situation. After the successful issuance of the credit card overdue statement, the overdue will not affect the credit.

The situation in loans overdue shows how to write a good way to remedy personal credit.

loans overdue is terrible, and the consequences are clear to everyone. However, after loans overdue, there is a remedy, that is, issuing a statement on loans overdue, so long as the lending institution signs it, it can preserve its own credit information.

I. Under what circumstances can loans overdue be issued

Not all cases in loans overdue can be issued with overdue certificates, and lending institutions will not understand all loans overdue's actions. Only under some special circumstances can non-malicious overdue certificates be issued. The circumstances that the malicious overdue certificate can be issued are as follows:

1. A third party acts as an agent, but the third party fails to repay the fee on time as agreed in the contract, resulting in overdue.

2. The real lender fails to repay the loan on time, resulting in overdue.

3. The unit fails to pay the provident fund in time, resulting in the overdue deduction of the personal provident fund loan.

4. overdue due to the change of the borrower to inform the repayment date.

5. There is no overdue due to the credit card or the annual fee caused by the inactive credit card.

Second, how to open the case description of loans overdue

First of all, the applicant should find his own loan institution in loans overdue and submit a case description of loans overdue, which indicates that loans overdue is overdue in bad faith, and hopes to get an understanding.

The template of loans overdue's information is as follows:

I (), with the ID number (), applied for a loan with the line of () at the bank on () on () of () for a term of (), and I was overdue for () days because () failed to repay the loan on time, and later on () of (). Through this loan, I understand the importance of credit record, and I know that my reputation influence can't be compensated. I promise to pay off the loan on time next time and maintain a good credit record.

from here!

Borrower:

MM DD YY

The description of loans overdue will take effect only if it is stamped by the lending institution, and it will be invalid if it is issued by an individual.

Reminder: loans overdue can also issue a non-malicious overdue certificate, but it is understood that most lending institutions are unwilling to issue a non-malicious overdue certificate, and generally only provide a "non-debt certificate" or a description of loans overdue. Therefore, friends who want to issue a certificate should know the situation of the lending institution in advance and can solve it through arbitration if necessary.

How to write the bank's overdue explanation

Description of overdue situation

During the process of applying for a loan (loan amount of 6, -3 years-equal principal and interest) from xx Bank, I found that there were overdue records in the credit report, and I hereby make the following explanation to you.

I didn't repay the money in time due to xxxxx. This overdue is not a malicious overdraft, and I hope it can be understood by relevant parties.

Now I have deeply realized the serious impact of such behavior on my personal credit. I promise to repay the loan in xx Bank in full and on time, and I am willing to bear all the consequences caused by my failure to repay in full and on time.

: 1. Overdue refers to the situation that the final repayment period stipulated by the bank is exceeded, and the consumed funds are not deposited into the designated account in full and on time. Once overdue, overdue interest will be generated, and overdue interest includes late payment fees and daily interest. Legal basis: Provisions of the Supreme People's Congress on Several Issues Concerning People's Execution (for Trial Implementation) 97. If the person subjected to execution or the legal representative or person-in-charge of the person subjected to execution refuses to attend the scene without justifiable reasons after being summoned twice, the people may summon him by force.

2. Overdue repayment refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumed money is not deposited in the designated account in full and on time. Generally speaking, each bank will charge a certain interest for overdue repayment, and at present, each bank is different, which is generally five ten thousandths of interest. However, the starting date of interest should be calculated from the date of consumption, not from the date after the last repayment date. It should be noted that the overdue credit card will not only pay interest, but also affect the credit record, which will have a negative impact on the future card or loan. Therefore, we must remember the repayment date and make timely repayment.

3. If the credit card is overdue, the credit card center of the issuing bank will collect it. Because of ignorance and blind arrogance, some people not only don't pay back, but also "run away" by changing their address and mobile phone contact information, so that banks can't contact themselves, thinking that they can't help themselves. In fact, this practice is very wrong and absolutely unacceptable. When you apply for a credit card, your real name information has been recorded by the bank. Once you "run away", the bank will think that you are maliciously overdrawn and owe money, and will call the police. The police will list you as a wanted criminal.

how to write a fact sheet about loans overdue's reasons?

loans overdue explained that there is no fixed format, just explain the situation and the situation of borrowing before and repaying the loan when it is overdue. The reference format is as follows:

I () applied for a loan with a line of () at () bank on () on (), with a term of (). Because () failed to repay the loan on time, it was overdue for () days. Through this loan, our company understands the importance of credit record, and knows that the credit impact it has caused cannot be compensated. I promise to pay off the loan on time next time and maintain a good credit record.

from here!

Borrower:

MM DD YY

The overdue reason may be due to the change of work, resulting in the decrease of income and inability to repay; Family members or borrowers are dead or missing, and there is no repayment; If the developer delays the delivery of the house, delays the processing of the property right certificate, or there are serious quality problems in the purchased house, the purchaser will plead by refusing to repay the loan; Some borrowers have little legal awareness and deliberately default on loans; Due to work reasons, I have been unable to repay the loan in time in the field for many years.

provide several methods to prevent overdue repayment.

first, read the contract carefully.

when signing a contract, we must read the contract carefully. First, we must read the repayment date at the first time, and we must remember our own repayment date. Secondly, we must read the fine information carefully and understand it properly, so that we can effectively avoid overdue. Repay on schedule.

second, make repayment by associating your commonly used bank card.

Most people forget to repay the loan instead of being unable to repay it, so they can choose to associate their own bank cards and let the system automatically deduct the money. At the same time, they can fill in 2-3 days in advance on the repayment date, so as to avoid overdue due to transfer.

third, apply to the bank to extend the loan time.

If you happen to have problems with your own time, I suggest you contact the bank to explain your situation and whether you can apply for long-term repayment, so as to avoid high penalty interest.

fourth, as far as possible, let the bank remind the repayment by sending text messages.

5. Choose a responsible financial service company to help you with the loan, so that your financial advisor will help you remember the repayment date and remind you to make the repayment.

Please refer to the sample for details of bank loan description.

The bank description actually refers to the certificate issued by the relevant lending bank to the lender after the loan is not maliciously overdue, which is used to help the lender prove that it is not intentionally overdue. So what is the description of bank loans? Let's take a look at it.

do you want to know what the bank loan description says? The specific explanation template is as follows:

Description on personal bank loan of xxx

Customer xxx, with ID number of xxxxxxxx, applied for personal loan in our bank with loan amount of xxx yuan (in words? Xxxx), with a term of X years, and repayment by monthly installments. Due to xxx's negligence, he failed to communicate with our bank in time, and the interest was overdue. Now the overdue interest has been settled in full, and his behavior is not malicious default. This is hereby to certify.

how to write the description of loans overdue?

Explanation of overdue mortgage

Bank:

I applied for a housing mortgage loan in your bank on, and I have always paid it on time and strictly fulfilled my repayment obligations. However, in the latest repayment, I was on a business trip in other places, which led to the failure to repay the monthly payment in time, but I deposited the arrears in time after I came back from a business trip. This is indeed a matter of fact, and it is given to your bank. I hope that your bank can give me a discount to lower the loan interest rate this time, taking into account the special situation that my arrears are not malicious and I pay them in time afterwards.

I hereby apologize for the inconvenience caused to your bank.

if the property buyers can't repay the mortgage on time due to unexpected changes, they can apply to the loan bank for loan extension 3 days in advance, and after verification by the bank, the mortgage term will be appropriately extended and the monthly payment will be reduced.

under normal circumstances, if you don't repay your mortgage on time, the bank will call and write to urge you to repay it. Moreover, there will be late payment fees during this period, which will accumulate more and more. If you don't repay the loan, the bank will come to your door or send you a lawyer's letter, and then the house will be disposed of according to the relevant provisions of the contract terms, such as auction.

if the house purchased by the lender has not been registered as mortgage in the housing management department, if you fail to repay the loan for three consecutive months or six months in total, the loan bank will require the developer to assume the guarantee responsibility according to the Loan Contract. After the developer repays the remaining loan for you, the developer will take back the house or auction the house according to the provisions of the Guarantee Law.

in this case, your economic loss is great, because the price of repossessed or auctioned houses is often lower than the price when you first bought the houses, and most of the loans you start to repay every month are interest, which means that you haven't repaid much principal, so the result is that you may have little house price left after repossession or auction.

So, if the mortgage is not repaid, banks and developers have the right to auction your house! In addition, the greater disadvantage is that your credit in the bank will have a bad record. Once it is noted, it may be kept for 3 to 7 years. If you want to borrow money from other banks in the future, it may be difficult to apply for it because of bad credit.