Notice before receiving SMS of online loan

If you do borrow money from the auction and have overdue debts, you should judge according to the content of the short message. If there are words such as being detained and not being investigated for criminal responsibility for arrears in the text message, this kind of text message is likely to be sent by the collection personnel in the name of the court. In this case, it is suggested that you first go to the litigation service website of the Supreme Court and enter your name and ID number for inquiry.

However, even if the SMS notification of the loan auction case is false, as long as the arrears are not paid off, the overdue time is long and the amount is large, it will become true sooner or later. After all, lenders who fail to repay their debts may sue, and once they sue, most of them will certainly make a profit. At that time, they will not only repay the principal and interest, but also bear various expenses such as legal fees.

If you don't pay off your debts within the time limit stipulated by the court, patting the loan may require the court to enforce the assets under the lender's name and put the lender on the list of people who have broken their promises, so don't think about spending too much. Flying and high-speed rail sleepers will be rejected.

The above is the relevant introduction of "the notification of the case of short message loan taking". In a word, if you receive the SMS notification of the loan auction case, whether it is true or not, as long as it is really overdue or returned as soon as possible. If you feel that the interest is unreasonable, you can negotiate with the loan auction, and the loan auction will also report the list of debt evasion to the central bank for credit investigation. Even if it is not filed, it will become an old lai.

Loans overdue repayment will generate penalty interest. How to calculate the penalty interest of unsecured loans?

First of all, the penalty interest standards of different lending institutions are not necessarily the same, and the loan contract shall prevail. The central bank's regulations on penalty interest require that the penalty interest of financial institutions shall not exceed 150% of the agreed loan interest rate. In fact, the penalty interest of most lending institutions is charged at 150% of the loan interest rate, especially unsecured loans;

Secondly, overdue penalty interest is not compound interest. During the calculation of default interest, loan interest can no longer be calculated. Penalty interest can no longer be calculated together with interest. (The penalty interest/late payment fee for credit cards of some banks is calculated according to compound interest); When the borrower repays, the repayment sequence should be: overdue penalty interest, interest and principal.

relevant knowledge

On June 5438+February 65438 +00, 2003, the Notice of the People's Bank of China on Issues Related to RMB Loan Interest Rate stipulated that the default interest rate of overdue loans (loans that the borrower fails to repay on the date agreed in the contract) will be changed from the current daily interest rate of 2. 1% to 30%-50% higher than the loan interest rate stipulated in the loan contract; If the borrower fails to use the loan according to the purpose agreed in this contract, the penalty interest rate will be changed from the current daily interest rate of five ten thousandths to 50%- 100% higher than the loan interest rate stipulated in the loan contract.

For loans that are overdue or not used according to the purpose agreed in this contract, interest will be charged at the default interest rate from the date when they are used in loans overdue or not according to the purpose agreed in this contract until the principal and interest are fully paid off. For the interest that cannot be paid on time, compound interest shall be calculated at the penalty interest rate.