What if the bank loan is not repaid?

What will the bank do with me if I owe the bank a hundred thousand loans and I can't pay them back?

1. The bank will take certain collection measures. In the initial phone call, if the loan is really overdue, you can explain your actual situation to the bank and try to apply for an extension, depending on different bank regulations; Note: the delay will be regarded as negative information in the credit report, indicating that there are some problems with your repayment ability, but it is still better than the overdue situation.

2, overdue for more than 90 days, if the circumstances are serious, it can be regarded as malicious overdue, and bank collection may also cause life pressure for yourself and your family, affecting the normal life of individuals and families;

3. In terms of overdue fees, there will be some fees such as liquidated damages and penalty interest, which need to be collected according to the contract. Different institutions and different loan products charge different liquidated damages or penalty interests;

4. It has an impact on personal credit records, and bad credit records become obstacles to future loans such as mortgages and car loans and credit card processing;

5. If the loan has not been repaid, and the loan has not been repaid after the execution of the judgment, it can be reported to the Supreme People and entered into the "list of people who have broken their promises", which is also commonly known as the "Lao Lai list", and it is forbidden to travel by high-speed rail.

If you apply for loans overdue in the bank, but you can't afford the money, so that you can't pay off the money for a while, I suggest you contact the bank staff first to discuss whether you can reduce some interest or repay the principal first, and apply for an extension of the repayment period and repayment by installments. Banks usually have a three-day buffer period. In the meantime, keep your mobile phone open and the bank staff will contact you. You can take this opportunity to explain your situation to the bank staff and try to negotiate the repayment method of the remaining money with the bank. Generally speaking, you need to pay a certain percentage of late fees and handling fees, and then settle all bills within the grace period in the agreed way.

If the bank allows, the repayment pressure of customers will be alleviated in a short time. After that, you can discuss a new repayment plan with the bank, and then repay on time according to the new repayment plan.

Of course, banks generally don't agree easily, so when you negotiate, you must provide strong evidence that you didn't mean it, but you really didn't have the ability to repay in the near future. For example, if you are unemployed at home, you can provide an unemployment certificate; If you are hospitalized due to illness or accident, you can provide hospitalization documents and related medical documents. When negotiating, we should also pay attention to expressing the willingness to repay actively.

If the bank still refuses to postpone the repayment in the end, you can try to borrow money from relatives and friends, pay off the loan first, and then return the money to relatives and friends when the funds are sufficient. Remember not to support loans with loans, make a reasonable repayment plan, and never evade debts or other illegal and criminal things.

What if I owe a loan to the bank and can't pay it back?

1. The loan bank will collect the term loan according to law. According to the loan contract and guarantee contract (mortgage or pledge contract), the loan bank will take measures such as property preservation, including freezing the deposits in all bank accounts of you and the loan guarantor and sealing up the pledged property. After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, and all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property. At the same time, the bank will investigate the responsibility of the relevant credit personnel, and if there are fraudulent loans or behaviors, it will draw the police to intervene.

2, overdue for more than 90 days, if the circumstances are serious, it can be regarded as malicious overdue, and bank collection may also cause life pressure on yourself and your family, affecting the normal life of individuals and families. 3. If you are not in arrears with the bank loan in bad faith and have the ability to pay the interest on the normal loan, I suggest you apply to the loan bank for loan extension first, stating your willingness to repay, the fact that you have not repaid the loan for the time being and the plan for repayment in the future. Normally, the bank will help you.

4. It has an impact on personal credit records, and bad credit records have become the resistance to future loans such as mortgages and car loans and credit card processing.

5. If the loan has not been repaid, and the loan has not been repaid after the execution of the judgment, it can be reported to the Supreme People and entered into the "list of people who have broken their promises", which is also commonly known as the "Lao Lai list", and it is forbidden to travel by high-speed rail.

Legal basis: Measures of China Banking Regulatory Commission on the Administration of Personal Loans.

Article 9 The lender shall establish a reasonable control mechanism for the borrower's income and debt ratio, reasonably determine the loan amount and term in combination with the borrower's income, liabilities, expenses, loan purposes, guarantees and other factors, and control the borrower's repayment amount in each installment not to exceed its repayment ability.

Article 11 An individual loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

What if the bank loan is not repaid?

1. Apply for extension or renewal. If it is about to expire and the user does not have enough repayment ability, then he can negotiate with the online lending institution to renew or extend the loan in time. At present, many loan platforms provide these two functions, but the longest loan renewal time is 1 month. Moreover, a certain fee will be charged during this period, but it will be much lower than the liquidated damages.

2. Apply for installment repayment. The ultimate goal of the online lending platform is to let everyone repay, and bad debts are the last thing they want. Therefore, if the user is really unable to repay the arrears, he can apply to the loan platform for installment repayment. If you are sensible and reasonable, it means that you have practical difficulties, and the online lending platform may still agree.

3. In case of violent collection, contact online loan customer service to complain. In fact, many violent collections are not so-called online loan platforms, but outsourcing collection companies. At this time, if you contact the online loan customer service, clearly express your willingness to repay, and ask the other party not to use violent collection methods, it may be agreed. Of course, if the online lending platform disagrees, then everyone can keep the evidence of violent collection and then complain to the relevant departments.

1, the attitude of answering the phone. Some bank collectors may be impatient and impatient. On the premise that there is no personal attack from the other party, I suggest you keep a low profile, seek the best way of communication and express your willingness to repay. Don't scold them. Things may get worse if they are not solved.

2. Keep the evidence. The most important thing in credit business is to keep evidence, whether it is contract, bank flow, screenshot or recording. It is suggested that the negotiation process be recorded for future help.

3. Make a plan. The purpose of the bank is to recover the loan, and the purpose of the borrower is to delay repayment. In fact, there is no conflict on the whole, the key is time. So you can ask for an extension of the loan period, or re-conclude a loan contract, or increase some interest appropriately, and continue to negotiate and strive for a favorable result.

4. "Squeeze toothpaste for repayment". Under normal circumstances, banks will not, but some banks will take legal measures. In order to prevent this, they can repay some money appropriately when the bank urges repayment. As long as they promise to answer the phone and take the initiative to pay back the money, it is not a malicious debt.

5. Mortgage repayment. If the debt in your name is too high, see if there is any property that can be mortgaged, and you can pay it back appropriately, otherwise the bank may really.

What will the bank do if it doesn't repay the loan?

What will the bank do if it can't repay the loan?

1 and 1 month, default interest will be incurred;

2, 1 month (more than 30 years), the bank will have SMS notification;

3. After more than 3 months (90 days), the bank will call or collect it at home;

4. After more than 6 months, the bank will.

(1) Send the summons to the borrower's home. On the day of the court session, regardless of whether the borrower appears in court or not, the collateral originally mortgaged by the borrower to the bank will be frozen and then auctioned. The proceeds from the collateral auction will be used for repayment.

(2) If the auction proceeds are greater than the arrears (the amount that the borrower needs to pay = principal, interest, liquidated damages, late fees, attorney fees, etc.). ), then the excess will be returned to the borrower. However, there is little extra money.

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What are the consequences of not repaying the loan?

1. The bank will take certain collection measures. In the initial phone call, if the loan is really overdue, you can explain your actual situation to the bank and try to apply for an extension, depending on different bank regulations;

Note: the delay will be regarded as negative information in the credit report, indicating that there are some problems with your repayment ability, but it is still better than the overdue situation.

2, overdue for more than 90 days, if the circumstances are serious, it can be regarded as malicious overdue, and bank collection may also cause life pressure for yourself and your family, affecting the normal life of individuals and families;

3. In terms of overdue fees, there will be some fees such as liquidated damages and penalty interest, which need to be collected according to the contract. Different institutions and different loan products charge different liquidated damages or penalty interests;

4. It has an impact on personal credit records, and bad credit records become obstacles to future loans such as mortgages and car loans and credit card processing;

5. If the loan has not been repaid, and the loan has not been repaid after the execution of the judgment, it can be reported to the Supreme People and entered into the "list of people who have broken their promises", which is also commonly known as the "Lao Lai list", and it is forbidden to travel by high-speed rail.

6. If it is an online loan, there will be hundreds of lines of credit information. You can check the personal online loan big data report in Yingxin.

What will the bank do if it can't pay back the loan?

If the debtor can't repay the bank loan, the bank can enforce its debt and ask it to repay the debt, and after the judgment, it can request the enforcement of its assets. Execution will only execute the debtor's assets, not the assets of his children unrelated to the debtor.

According to the General Principles of Civil Law of People's Republic of China (PRC) and Article 84 of the General Principles of Civil Law, debt is a specific relationship of rights and obligations between the parties according to the provisions of the contract or the law. The obligee is the obligee, and the obligor is the debtor. The creditor has the right to require the debtor to perform its obligations in accordance with the contract or according to law.

Article 108 A debt shall be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be sentenced to compulsory repayment by the people.

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Solution of debtor's long-term non-repayment of debt

(A) pay attention to remind

There is a saying that "it is not difficult to borrow again if you borrow it". However, in real life, there are still people who don't keep their promises. Some don't pay back when due, and some borrow the whole money to return to zero. Therefore, where the loan has exceeded the agreed period, but the loan has not been returned, the lender should consider urging and reminding the borrower to urge him to return the loan within a reasonable period.

(2) Timely

Where the rights of both borrowers and borrowers are infringed, the infringed shall bring a lawsuit within two years from the date when he knows or should know that his rights are infringed. If the limitation of action exceeds two years, the people will not accept it, and the creditor's rights will lose legal protection.

In order to prevent the statute of limitations from exceeding, the lender may require the borrower to write a repayment plan before the expiration of the statute of limitations, thus interrupting the statute of limitations. The new limitation of action can be recalculated from the date of interruption, so that the lender not only has the right, but also can continue to have the right to win the case, which is conducive to protecting the legitimate rights and interests of the lender.