Will the 360 loan really go to the account?

It is ok to collect money from the place of residence, but it depends on the situation. The premise of this situation is that the debtor owes a large sum of money, delays in paying it back, even fails to contact himself, does not answer the phone, does not reply to text messages, or even moves, changes jobs, changes telephone numbers, etc. In this case, the dunner may go to the residence.

What are the consequences of overdue repayment of 360 arrears?

1. If the repayment is overdue for a long time, the 360 platform customer service will first issue a serious warning to tell you the serious consequences of overdue; Then you may take practical actions, such as collecting money at home and contacting your usual contacts, which will bring a lot of trouble to your life.

2. Bear high overdue fees. If the repayment is not made on time, the platform will charge a certain overdue penalty interest according to certain standards from the overdue date according to the loan contract, and the penalty interest is very high, which is bound to be high.

3. Personal credit records will be affected. At present, China's credit system is constantly being established and improved. Once a bad personal credit record is generated, 360 IOUs will upload the borrower's overdue repayment information to the credit information system, which will affect the loan to buy a house and a car in the future.

4. Facing the risk of being sent. In order to recover the loan, the platform may choose to recover the loan from you through the court. It is necessary to pay the litigation costs and huge fines of both parties. If the debtor fails to perform the judgment of the court within the performance period, the creditor may apply to the court for enforcement. When the court accepts enforcement. Property, vehicles, securities and deposits under the debtor's name will be inquired according to law.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 667

A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668

A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.