What if there are too many online loans and no money? What if it's not?

1. What if there are too many online loans and no money? What happens if you don't?

Then, the money of the online loan company is still not available. Can I negotiate with the online loan company to repay only the principal? Let's tell you some online loan knowledge!

1. First of all, we must make clear whether we can only repay the principal.

I'm afraid not. After all, no enterprise does charity.

2. Online loans are not available yet. How to negotiate?

First of all, we must distinguish between online loans with credit information and online loans without credit information.

★ For credit online loans, you should do this:

Negotiate a fixed repayment with the staff to ensure that you will repay, and record the whole process.

When you earn the principal, negotiate with the bank staff and tell him that he is really poor and can't earn interest. Can you just pay back the principal? Remember, you must keep a low profile when you say this, that is, tell him that you are really poor!

If you really have no money, you should pay at least one or two hundred yuan a month to show the sincerity of repayment to the bank, but you really have no money recently. If you do this, financial institutions will generally not pay you.

★ If you don't get a credit loan, you must do this:

According to the law of our country, the loan interest rate should not be higher than 24%, and it should not be higher than 36% under special circumstances. 36% will do. If it is exceeded, the law will not support it. If the online loan is borrowed from some small companies and the interest rate is higher than 36%, you can negotiate with the online loan company, which is only lower than 36%. Even if the other party doesn't agree, the other party won't win, and finally they will negotiate.

3. What will happen to online loans?

★ Online loans with credit information will not be defiled by credit information. When he becomes a person who has lost his trust, he will be forced to execute his property. For example, the only house may be auctioned and the high-speed rail will be restricted.

★ Online loans that do not receive credit information will generally be urged by online loan companies. Online loan companies will collect bombing address books to let friends and relatives know that it is difficult to apply for online loans again.

Having online loans won't disturb your life. At least discuss the details of repayment with the online loan company. Not paying back a penny. If you really have no money, you have to pay back dozens. First, show your repayment attitude. Second, prove that you are really unable to repay now. Third, let the online loan company know your dynamics. This is also a question of attitude.

Second, the online loan can't afford it, and I feel that I can't live any longer. What should I do?

If you insist on taking it one day at a time, if the person who urges the online loan uses violence, you can call 1 10. If you owe money, you may be sentenced to several years, but as long as you persist, you will only suffer more. To put it more tragically, there are many disabled people in the world who are blind, blind, suffering from cancer and AIDS and cannot be cured. Life is not so fragile, live like a soldier, and never commit suicide. We are great ourselves. The more adversity you have, the more you have to create miracles. Every day you persist is a manifestation of the greatness of life, so live, persist and be a soldier!

Third, what will happen to online loans?

1, personal credit damage is generally operated by banks or licensed financial institutions, and supervision requires access to the credit information system. However, most of them cannot provide grace period service. The borrower must repay the current arrears before 24: 00 on the repayment date. If they are overdue or fail to repay, they will report to the credit information system.

According to the number marked as 17, overdue within 30 days is 1 time, overdue within 60 days is twice, overdue within 90 days is three times, and so on. Once overdue for more than 90 days is recorded as overdue for three times, the borrower is a typical credit black account.

In the credit union, it is difficult for black households to obtain credit information, especially when they need loans or apply for credit cards. Even if they provide guarantees for others, they will fail because their credit information fails. Borrowers must wait five years after paying off their debts before they can completely recover their innocence.

2. If you don't repay the loan at work and in life, you will be collected by various means of the loan platform after the deadline. Before the loan is paid off, you will send and receive text messages and call for repayment every day.

If the borrower doesn't answer the phone or reply to the short message, and thinks that the borrower owes money maliciously, he may go to the borrower's place and work unit. Neighbors and colleagues will know that borrowers have failed to pay their debts. In the long run, borrowers simply can't work and live well.

3. Increase the repayment pressure. Overdue loans are not repaid, not just the principal. You also have to calculate the penalty interest on a daily basis at 15 times the normal loan interest rate, and you also have to pay liquidated damages. The longer the overdue time, the higher the overdue fee.

Some borrowers are overdue because of their poor repayment ability, so their debts are increasing day by day, the repayment pressure will be greater, and it will be more difficult to pay back the money.

4. Become a person who has lost trust. For borrowers with a large overdue amount and overdue for more than half a year, the loan platform will also take legal channels. Once the lender wins the case, the borrower will not only bear the litigation costs, but also the assets such as houses, cars and bank cards under his name will be frozen.

After being executed, the borrower has the ability to refuse repayment, and the loan platform can apply to include the borrower in the untrustworthy executor. In this way, borrowers will be restricted from high consumption, unable to handle financial and credit business, and may even affect their children's schooling and employment.

If you don't know your online loan application, you can try to get a big data report from the "Xiao Mu Data" applet, check your detailed loan records, and then confirm that you borrowed the money yourself. At this time, you should pay off all the money you owe, and then contact the customer service of the corresponding platform to let them handle it and see if the blacklist of online loans can be eliminated.

Extended data:

What if it hasn't opened yet?

1, don't overdue easily. If it is a credit report, don't delay it easily, because it will damage your credit. Don't think that it doesn't matter if you don't apply for a loan credit card in the future, which underestimates the influence of personal credit.

After all, in the credit society, personal credit investigation is not only one of the reference factors for the evaluation of credit institutions, but also one of the requirements for major employers to select employees. Once the overdue period affects the credit information, even if the borrower is excellent in other aspects, he may be refused employment because of his poor integrity.

2. Apply for deferred repayment. Some of them can provide deferred repayment service. If the borrower sees the option of deferred repayment on the repayment page, he can choose the appropriate term according to his own needs. However, deferred repayment can only be handled within the time from the bill to the repayment date, and the handling fee should be charged according to the number of deferred periods and the amount owed.

Whether it can be postponed and how much it costs shall be subject to the provisions of the platform. If it can't be postponed, it means that it can't be handled.

It is almost overdue to ask for help from relatives and friends, and there is no money to pay back. Ask your parents for help as soon as possible, whether they give money or help them borrow money, as long as they can get the money back. Even if you borrow money, it doesn't matter, at least you don't have to bear too much interest. If you have no money for the time being, you can negotiate to pay it back slowly.

4. Actively negotiate repayment. If the borrower fails to do so within the time limit, he should take the initiative to contact the loan platform to negotiate repayment as soon as possible.

First, calculate whether the actual annual interest rate you borrowed exceeds the legal interest rate red line. For example, if it exceeds 24%, it will be less than 24%, and if it exceeds 36%, it cannot be returned directly. If the platform does not agree, the borrower can reverse the loan platform and pay only the interest stipulated by law after the judgment.

If the interest rate is reasonable, the borrower can also apply for partial interest reduction or installment repayment of existing debts. When negotiating, you should be sincere, explain the difficulties you are unable to repay, and provide relevant information to prove it. If the loan platform agrees to re-sign the loan contract and then repay the loan according to the new contract, you must not default for the second time.