What do you mean by unpaid loans? What do you mean by unpaid loans?

A friend said that there was a loan that didn't need to be repaid. Is he lying to me?

Some friends say that there is a kind of loan that does not need to be repaid, which is certainly unrealistic. If it's not a joke, it's a lie.

Loan means that banks, credit cooperatives or online lending companies lend money to units or individuals who use money, and generally agree on interest and repayment date. These institutions put their concentrated monetary and monetary funds out by loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, institutions can obtain loan interest income and increase their own capital accumulation.

It can be seen that these institutions also need to make profits when issuing loans. They not only have to recover the principal, but also pay interest every month, so it is impossible to have a loan that does not need to be repaid. After all, these institutions are not charities, and loans are not donations. They can't afford the loss of principal. Even among relatives and friends, it is impossible to say that you don't have to pay back the money. There is no need to pay interest for friendship between two people. Not to mention these unrelated institutions.

Only your parents can give you money unconditionally.

So there are several possibilities for your friend to say that you don't have to pay back the loan:

First, you misunderstood. When he said "no repayment", he only meant that the interest did not have to be repaid, but the principal still had to be repaid.

Second, he may want to coax you into applying for a loan, so he changed his mind. For example, you don't have to pay it back, but how much commission you need to pay each month. In fact, it is the concept of repayment by installments, and the commission is enough to offset the principal of your loan.

Third, a friend is joking with you, but it's just a joke, trying to tease you.

No matter what happens, always remember that there is no pie. Even among friends, you should be careful. You don't want to take advantage of others. If you want to get benefits, you won't let others take advantage of you.

These seven kinds of loans do not need to be repaid, so it is recommended to collect them.

Since the "7 14" anti-aircraft guns and other industrial chaos broke out in March15 last year, the state has strictly supervised the online lending platforms, some of which chose to voluntarily quit, while others were forced to retire. Today, the online lending platform is still banned, which is undoubtedly a great good news for borrowers, which means that some accounts don't have to be paid back. So who will be the lucky one? Watch it with Sister Jin!

You don't need to return in the following situations:

1. Conventional loan

In terms of legal consequences, routine loans are essentially illegal and criminal acts, and the principal and interest are not protected by law. These platforms charge high interest, which makes borrowers unable to repay in time and eventually gets deeper and deeper. Routine loan has seriously violated the normal life of the borrower and destroyed the financial order, so if your debt belongs to routine loan, you only need to return the principal.

2.

China's policy clearly stipulates that the interest rate agreed by both lenders and borrowers exceeds the annual interest rate of 36%, and the interest agreement exceeding the part is invalid. Therefore, if the annual interest rate exceeds 36%, the borrower can ask the other party to return the interest already paid, but the principal and reasonable interest should be repaid.

behead

According to the current law, beheading interest is illegal, so when borrowers face these online lending platforms, the illegal part does not need to be repaid at all.

4. The content of the contract is ambiguous.

Article 37 of the Commercial Bank Law clearly stipulates that a loan shall be made in a written contract with the borrower, and the contract shall stipulate the loan type, loan method, amount, profit, repayment period, repayment method and liability for breach of contract. If the above contents are violated, the extra interest need not be repaid, only the principal needs to be repaid.

5. Loans not executed by me

In the Internet age, our personal information is becoming more and more transparent, and it is often inadvertently exposed, and then used by some lawless elements to make online loans. Once this "loan" situation occurs, as long as it can be proved that we have not applied for a loan and have not received the money, there is no need to repay the loan.

6. Compulsory loans

If the borrower is a loan formed by the lender by threats, intimidation, coercion, etc., according to the law, this loan relationship is invalid. If the lender wants the borrower to pay back the money, the law will not support it. Therefore, for the borrower, this money does not need to be returned.

7. There was no actual loan when the contract was signed.

If a contract is signed with a lending institution, but the other party has problems and has not actually received the money, in this case, the contract is invalid and there is no need to repay.

As the saying goes, "it is only natural to pay back debts." We should not be different in what we should return, but should stand firm in what we should not return. Everyone will have difficulties, but they won't last a lifetime. We should always remain sober and firm. When we get through this most difficult time, we will finally usher in a new dawn.

Massive financial dry goods, all in the official account of WeChat WeChat in the financial court ~

No, what else? These situations should be avoided.

With the continuous development of internet finance, many platforms have emerged, most of which are credit loans, and it is more convenient to borrow money without mortgage guarantee. Usually you have to pay back the money you borrowed, but some small loans don't have to be paid back. Then why not return it? Let me give you a brief introduction.

No, what else?

Borrowed money that does not need to be repaid is generally borrowed on an informal loan platform. There are several common situations:

1, the loan was successful and no money was received: many people applied for loans in some places, but in fact, the other party did not lend money, but paid the bill directly without repayment. After all, the success of the loan depends not on the loan contract, but on the arrival of funds, otherwise even if the loan contract is signed, it will not take effect.

2. Forced lending through private accounts: Many people only submit personal information on certain occasions without applying for loans. I didn't expect the loan platform to transfer money to the bank card bound on the loan platform through a private account, and asked to pay high interest repayment in a short time. In this case, the money can be returned directly without repayment.

3. Illegal lending by unqualified platform: the formal platform has relevant licenses. If there is no relevant licensing platform, it is illegal to lend, and the loan contract signed by it is invalid; Or charge fees before the loan, and the agreed loan interest rate exceeds the legal interest rate red line. And there is no need to repay.

The above is the relevant introduction of "What's wrong with not returning". I hope it will help everyone.

What kind of scam is a loan that doesn't have to be repaid?

Now loans are flying all over the sky. Everyone knows that when their financial strength is not good, they want to get loans to help them tide over the difficulties. It is obviously impossible to get a loan without repayment, which will only make them fall into the economy and be cheated.

First, there is no money wasted.

Understand that there will be no pie in the sky, and don't trust loans that don't have to be repaid easily. This must be a conspiracy. Many swindlers let people borrow more with loans that they don't have to pay back, but this will only make them owe more money and affect their interests.

Second, rationally face the loan behavior.

Although loans are very helpful to our lives, we still have to do what we can and don't let loans become a tool to help our lives. Although the loan is really beneficial, it also needs us to repay it. It is impossible to give yourself a lot of money, so who will pay the bill in the end? It is impossible for all lending institutions to bear it, so their impermanence will only make them further forced. It is profitable for the company to open a shop, so it is impossible to give money. No one is a philanthropist, obviously a new scam.

Third, find a formal lending institution.

Now we must find formal institutions and banks for loans, and don't let yourself be deceived, let alone covet petty advantages, which will only affect our lives. A loan is a trivial matter, but don't become something that affects your life. We should face it frankly.

We need to pay the price for all actions, and there is no result for nothing. We should not be easily deceived. You should also know more about the loan, so that your behavior conforms to the law and will not bring any influence to yourself. Do things through formal channels, don't think about getting something for nothing, it will only give others an opportunity.

Isn't borrowing money still something?

1. For the borrower:

1. If there is a problem with the use of the loan, you can not repay it.

Some creditors insist on loans, even though they know that borrowers use the money to gamble or engage in illegal activities, such as loans. In this case, the loan will be considered invalid, and the borrower may not even have to repay it.

2. The loan contract signed by the invalid agent does not need to be repaid.

If the borrower can't be present, there will often be an agent to sign the loan agreement, but if the agent has no right to sign the agreement or the agent, the loan is invalid at this time and there is no need to repay.

Second, for the borrower:

1, the borrower is unclear.

Borrowing institutions must have a "Legal Person License for Financial Institutions" or a "Business License for Financial Institutions" issued by someone, and be approved and registered by the administrative department for industry and commerce. If it is a bank loan, it is not allowed to issue credit loans to related parties of the bank.

2. The loan contract is not clear.

The loan contract shall stipulate the type, purpose, amount, interest rate, repayment period, method, liability for breach of contract, etc. The loan contract is not clear, and some contents are invalid. If the loan is used in violation of laws and regulations, the whole contract is invalid.

3. There is no actual loan.

I just signed a loan contract, but I didn't give the money to the borrower by cash transfer. In this case, the loan is invalid and need not be repaid.

Legal basis:

Provisions on several issues concerning the application of law in the trial of private lending cases

Article 1 The term "private lending" as mentioned in these Provisions refers to the financing behavior between natural persons, legal persons and unincorporated organizations. These Provisions shall not apply to financial institutions and their branches established with the approval of the financial supervision department and engaged in loan business, which are triggered by the issuance of loans and other related financial businesses.

Article 2 When a lender brings a private lending lawsuit to the people's court, it shall provide creditor's rights certificates such as IOUs, receipts, IOUs, and other evidence that can prove the existence of the legal relationship between lending and borrowing. If the creditor's rights certificate such as IOUs, receipts and IOUs held by the parties does not specify the creditor, and the party holding the creditor's rights certificate brings a private lending lawsuit, the people's court shall accept it. The defendant raised a factual defense against the plaintiff's creditor qualification, and the people's court ruled that the plaintiff did not have the creditor qualification after examination, and rejected it.

Article 24 If the borrower and the lender have not agreed on interest, and the lender claims to pay interest, the people will not support it. The interest agreement between natural persons is not clear, and if the lender advocates paying interest, the people will not support it. Except for the loan between natural persons, if the agreement on the loan interest between the borrower and the lender is unclear, and the lender claims interest, the people shall determine the interest according to the contents of the private loan contract and the local or the parties' trading methods, trading habits, market quotation and other factors.

What do you mean by a loan that you don't have to pay back? Let's stop here.