When is the latest repayment date of Xinxiangtong?

You need to repay the loan before 24 o'clock at the latest, otherwise, even if it is overdue, users had better not take the initiative to overdue, otherwise it is likely to affect their personal credit information.

First, the basic information of Xin Xiangtong.

Xinxiangtong Anxinhua is a personal consumer credit product operated by Haixi Jiaxin Microfinance Co., Ltd. The service life of Anxinhua is generally 15 days to 12 months. Provide personal authentication and face recognition when applying, and then provide other basic personal information. The age range of open application is over 22 years old.

2. Repayment at 24:00 at the latest is not overdue.

Repayment before 24 o'clock on the repayment date is not overdue. The repayment date of 24: 00 is 0: 00 the next day. As long as the repayment date has passed, there will be the risk of overdue repayment. Some loans have a grace period for repayment, so repayment within the grace period is on time, and repayment after the grace period is overdue.

Third, the consequences of overdue online loans.

1. generates penalty interest. Although the policy of every banking institution is the same, as long as it is overdue, there will be a penalty interest, that is, a certain percentage of interest will be added on the basis of the original interest.

2. Being included in the untrustworthy list will affect future loans and real estate purchases. After overdue, bad records will inevitably be left in the credit report. If the circumstances are serious, it will not only be included in the list of untrustworthy people, but also affect the personal life of users.

3. facing litigation problems. Generally speaking, after a certain period of time is overdue, the bank will issue a collection notice. If the collection fails, the bank will sue the borrower and safeguard the legitimate rights and interests through legal means.

If the online loan is overdue, the platform will charge a certain high penalty interest under legal circumstances. Usually, the calculation method of overdue penalty interest is: overdue principal * overdue days * daily interest rate * 1.5. In recent years, some reliable lending platforms have not received credit information, but now they are slowly receiving credit information and interfering with the credit information data of the central bank.