Will Baiqian Finance be collected at home?

It is unlikely to come to the door after the overdue financial period, but it is possible to come to the door when the borrower's debt amount is relatively high. There will be a late payment fee after the overdue repayment of Baiqian Finance, which is still relatively high, and the overdue repayment of users will also affect the personal credit report. In general, the collection steps of overdue users are: SMS-phone-contact relatives and friends-home collection-civil litigation. In addition, after overdue, users need to pay more late fees to the platform, which will affect future loans.

1, the financial late payment standard is calculated by days, and the late payment fee 30 yuan will be charged on the 10 day overdue; The overdue fee will be charged on the 30th day after the deadline, 80 yuan; Late payment fee 100 yuan will be charged on the 60th day overdue; Late payment fee is charged on the 90th day overdue 160 yuan; If it is overdue for more than 90 days, the user must repay all the principal and interest and late fees in one lump sum.

2. The company name of Baiqian Finance is Shenzhen Baiqian Financial Services Co., Ltd., which was established in February 2065438 and headquartered in Shenzhen. Baiqian financial installment service covers mobile phones, computers, household appliances, electric vehicles, motorcycles, automobiles, medical beauty, fashion consumer goods and other fields. Baiqian Financial Loan requires the borrower to be a China resident, aged between 18 and 55, and the borrower must have a stable income. You must have a second-generation ID card when you fill in the information, and you also need one of seven kinds of second identification certificates (social security card, household registration book, driver's license, bank card, passbook, credit card receipt and work permit).

3. When the following situations appear in your personal credit report, it will adversely affect your application for bank loans, including:

(1) Malicious overdue, and the past credit card repayment was not timely, resulting in long-term overdue or overdue amount and overdue times; The student loan applied for during the university period was not repaid in time, resulting in more overdue times or longer overdue time; Malicious overdue due to failure to repay other loans in time, and so on. Malicious overdue is the most common situation that affects loans.

(2) The personal debt ratio is high. If residents' existing debts account for a relatively high proportion, reaching more than 70% of their personal income, it will affect their application for loans. This is because every bank has regulations on the income-debt ratio of loan applicants, and the high personal debt ratio has a great risk of affecting their repayment ability.

(3) Guarantee huge debts for others. If residents use their own property such as real estate to guarantee huge debts for others, their assets will be greatly discounted, and there is even the danger of potentially bearing huge debts. So the bank won't give him a loan easily.

(4) When residents apply for loans, credit cards and other credit products from the bank, the bank will check the residents' credit records. If the frequency of credit records is high, it means that the loan demand of the resident is too high and the risk is correspondingly high. Therefore, residents are not advised to apply for multiple credit cards at the same time.