Hanhua Microfinance Company: Is it true?

It's true, but not very good. When you make the next payment, you will find that your bank card number is wrong. He will let you take the money, unfreeze it, and then say that you paid the insurance because the card number was wrong. Regular small loan companies are only allowed to do business in the local area, and they must do it in person. They are not allowed to charge pre-loan fees or withhold interest, and they will never use bank accounts in the names of individuals (so-called legal persons, managers and financial officers) to charge fees. For example, microfinance companies in Beijing are only allowed to issue loans within the districts and counties where they are registered. The business beyond the geographical scope and the business based on the network platform are scams, which should be companies that cheat or defraud in the name of regular companies.

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1. Consequences of non-repayment of small loans

If the loan is not repaid, the following consequences may occur:

(a) if it is really unable to repay, it shall negotiate with the credit company to extend the repayment period or return it by stages.

(2) If the credit company fails to perform the court's judgment during the performance period after suing the court and winning the case, it will apply to the court for enforcement.

(3) Having the ability to refuse to execute the judgment or ruling.

(4) If the lender has no executable property and refuses to perform the effective judgment of the court, it will record negative information such as overdue repayment in the personal information report, restrict high consumption and entry and exit, and may even face judicial custody.

⑤ When accepting an application for enforcement, the court will inquire about the real estate, vehicles, securities and deposits in the name of the lender according to law.

2. A few loans overdue learned how to recover credit information.

If there is a small loan, the user needs to repay it in time according to the standard. If you don't go to the credit bureau, it won't have any concrete impact. According to the standard of small loans, a small amount of loans overdue a day is not a bad record. If the user is only one day overdue, he needs to contact the loan financial institution in time to handle related business, and it will not have any impact to pay off in time.

3. Do you need to apply for credit information for microfinance?

Microfinance itself is a platform with high interest rate. There are tens of thousands of microfinance platforms in China, but there are less than 100 interfaces that can really be checked with the central bank. In other words, most microfinance platforms will not be recorded in personal credit reports, and there will be a blacklist between microfinance companies. If they don't pay back the money, they will be blacklisted together.

In fact, people are advised not to borrow microfinance platforms when they are not short of money. High interest will bring trouble to people in the address book. And when you borrow money, you are exhausted in the reminder. Don't hurt your family in the small loan.