What should I do if Zhongan's small loan can't be repaid?

1. Zhongan Small Loan can't repay the money, so we must find a way, and don't think about not paying it back, otherwise the consequences will be more serious. You can also apply for deferred repayment, or you can choose to stop paying interest, that is, stop the interest, then negotiate a deadline, and then repay slowly.

2. At the same time, the lender can also tell his family directly about the principal and interest he owes. After all, the most important thing is to pay off the debt as soon as possible. Don't think about not paying back Zhongan small loan, it will affect your normal life after it is overdue.

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1. What will happen to Zhongan loans overdue

1. Penalty interest: Zhongan loans overdue will be charged, and the penalty interest calculation formula is = overdue residual principal × corresponding penalty interest rate × overdue days, and the overdue days will be counted from the next day of the repayment date until it is paid off. The longer it is overdue, the higher the penalty interest will be.

2. Impact on life: After Zhong 'an loans overdue, Zhong 'an loan staff will notify the borrower to repay the loan by calling and texting, which will seriously affect their lives several times a day.

3. Impact on credit investigation: Zhongan loan is for credit investigation. If the borrower has overdue behavior during the use of Zhongan loan, the system will report the overdue record to the central bank for credit investigation, thus affecting personal credit investigation.

It should be noted that the consequences of Zhongan loans overdue are very serious. Therefore, it is suggested that borrowers must repay their loans on time, and it is most important to maintain a good credit report.

2. The overdue Zhongan Small Loan will not have a negative impact, which is mainly reflected in the following three aspects:

1. Zhongan Small Loan is a loan company launched by Zhongan Insurance. Many loan products are lent by third parties, and these third parties are licensed financial institutions. When applying for a loan, you need to check the credit information of the borrower. After the loan is successful, the loan repayment will also be displayed on the borrower's credit information. Once Zhongan Small Loan is overdue, the borrower's credit record will definitely be overdue, which will affect the subsequent application for other credit products. 2. It is necessary to pay penalty interest. After overdue, Zhongan Small Loan will charge overdue repayment on a daily basis according to the actual overdue time. The longer the borrower is overdue, the greater the repayment pressure.

3. It may be sued. If the borrower refuses to repay the loan after being collected, and has a bad attitude, and the amount of the loan is large, and the overdue time is more than 3 months, Zhongan Small Loan may sue the borrower. Once Zhong 'an Small Loan wins the case, if the borrower fails to repay the loan after the court's judgment, it will be listed as an executor of dishonesty, which will affect the normal life of the borrower and affect the children's attendance at private schools.