Will consumer finance be overdue for 3 years?

Usually not.

First, after consumer finance loans overdue, it will not be collected by the above.

Consumer finance is a personal consumption loan. After the borrower fails to repay the loan within the time limit, it will have a bad influence on its credit investigation. As a consumer finance company, in order to recover the losses, it will let the collection personnel collect the money, but all of them are mainly collected by telephone, and the collection cost is too high, which is likely to be illegal. So few formal financial companies choose this way to collect money.

Second, after loans overdue, the probability of home collection is very low.

After loans overdue, the loan companies have different collection methods. Basically, they all send text messages first to let borrowers realize the seriousness of the problem. If the SMS reminder fails within a period of time, they will choose to call manually to collect money and put pressure on the borrower. If the borrower still chooses not to repay the loan, they will package the loan to a special collection company, and will basically take the form of prosecution and not choose the above collection.

Third, the loan should be repaid in time, otherwise it will affect the credit information and life.

Whether it is mortgage, car loan or consumer loan, as long as it is a loan issued by a formal financial institution, it will be connected to the central bank's credit information system. Once it is not returned, it will be reflected in the central bank's credit information system, which will have a great impact on personal credit and personal work and life will be affected. Therefore, after loans overdue, we must repay the loan in time to avoid adverse effects.

What loan platform is consumer finance?

Consumer finance is actually a modern financial service model that provides consumer loans to consumers. There are many related consumer finance institutions in the market, such as Gitzo Consumer Finance, Yin Bei Consumer Finance and Xingye Consumer Finance. The details are as follows:

1. Gitzo Consumer Finance. You can search for related applets and official WeChat accounts on WeChat. From the introduction of the platform, we know that Gitzo's products are staged, and some are as low as 0 down payment and 0 interest, which can be applied through ID cards and bank cards.

2. Consumer finance in Yin Bei. You can search the official WeChat account of "Yin Bei Consumer Finance Company", where you can enjoy the loan service. There are many options, such as education e-payment, decoration e-payment, renting e-payment, travel e-payment, auto insurance e-payment, and easy e-payment. Login to the relevant website to register information and apply for a loan.

3. Industrial consumer finance. Under the industrial consumption finance, there are family consumption loans, talent development plans and career development plans, among which family consumption loans belong to family loans, with the maximum personal loan amount of 200,000 yuan and the longest loan period of 3 years, without mortgage or guarantee. As for its annual interest rate, IRR is between 13.2%-23.4%, equivalent to 6.8%- 14.

I immediately owed more than 3,000 yuan to finance, and I haven't paid back the money for two years. Will they come to my house?

Under normal circumstances, they won't collect money, but they will definitely call or send a text message to ask you to repay, and it will definitely have a bad influence on your personal credit information. It is better to return it as soon as possible.

At present, Consumer Finance Now is a technology-driven financial institution approved by China Banking Regulatory Commission, and holds a consumer finance license. The company officially started its business in June, 20 15. In 20 16, 20 17, and 20 18, it completed three times of capital increase and share expansion, with a registered capital of 4 billion yuan. Shareholders include Chongqing Department Store Co., Ltd. (600729. SH), Beijing Zhongguancun Jinke Technology Co., Ltd., Wumart Technology Group Co., Ltd., Chongqing Bank Co., Ltd. (0 1963. HK), Sunshine Property Insurance Co., Ltd. and Zhejiang China Commodity City Group Co., Ltd. (6004 15. Shh).

Adhering to the mission of "making life simpler", consumer finance immediately takes users as the center and inclusive finance as the core, and strives to become the most reliable financial service provider through technological empowerment and innovation.

On September 20 19 1 and September 20 19, the list of top 500 service enterprises in China was released in Jinan, and immediately consumer finance co., ltd ranked 347th. 20 19 12 13, 20 19 Chongqing top 65438 list was released, and immediately consumer finance co., ltd ranked 43rd.

Its products

Anyihua

Product features: users can use the credit line online and repay it regularly after application;

Product overview: support scene consumption and cash withdrawal, borrowing and returning, and cash installment.

Ma Shang Finance

Product overview: online consumer loan products

The Chongqing Management Department of the People's Bank of China issued the first ticket on 20 17, and Instant Consumer Finance Co., Ltd. was fined 390,000 yuan for violating the Regulations on the Administration of Credit Information Industry and the Interim Measures for the Administration of Basic Database of Personal Credit Information.

On 20021June 15, the Consumer Protection Bureau of China Banking Regulatory Commission informed the consumer finance company that it had infringed on the legitimate rights and interests of consumers. Specifically, there are seven irregularities in immediate consumer finance. According to the report, the promotion of instant money elimination of "Yihua" APP is exaggerated and misleading, and the homepage has a propaganda statement of "ultra-low interest rate". In addition, the immediate cancellation of funds is not standardized for the management of student loans, and there are deviations in its implementation.

In the aspect of collection management, there is also the problem of non-compliance with immediate collection. The circular pointed out that the audit of outsourcing collection agencies is not strict, and the rating, assessment system and implementation rules of outsourcing collection agencies have not been established. The short messages, telephone calls and lawyers' letters collected by the company contain contents collected from unrelated third parties. There are situations such as leaking borrower information to unrelated third parties, insulting and attacking telephone collection.

Consumer finance sent a text message saying that it was seriously overdue and had to go to the door. Have you ever been in this situation?

Don't worry, if the overdue gold month is not large, consumer finance will generally be thousands, and there is a high probability that it will not be received at home. Sending text messages is mainly a means of pressure for collection, and it is basically a unified copy sent to debtors in batches. Some people will panic if they have no experience in this field.

It is possible that bank loans will really come to you, especially local banks and special loans, such as policy loans such as business loans, commercial loans and government discount loans. Many of these are discount loans with special funds, and the use of loans is clearly regulated.

There are also explicit provisions and codes of conduct for collection, which can't be the mode of Japanese entering the village. Don't be too scared. In the environment of legal society, laws and regulations also have many normative requirements for expropriation. If there are irregularities in the collection process, you can collect relevant evidence and complain to the regulatory authorities! I have relevant information to share with you!

Is it true that consumer finance is in arrears? Never be careless!

; ? When it comes to consumer finance platform, many people may think of BOC consumer finance, Zhaolian consumer finance and Suning consumer finance. And more or less, they will see and see overdue loans, so some people will ask if it is true that consumer finance is in arrears. Let us help you solve the problem.

Is it true that consumer finance is in arrears?

If the borrower owes a large amount and is overdue for a long time, it may be collected by the lending platform. For some malicious overdue users, the relevant platforms will take some repayment methods, such as sending text messages and making phone calls. And if they receive similar short messages that are overdue, then borrowers need to pay attention.

However, in the process of borrowing, users should maintain good loan repayment habits regardless of whether they receive similar collection messages, otherwise there may be some impact. For example, the relevant lending platform/institution may report overdue information to the central bank for credit investigation, and will be charged a certain overdue penalty interest, and may call the borrower's contact person for collection. If it is serious, they may also receive a notice of being sued.

Therefore, in the process of borrowing, users are advised to repay in time and maintain a good credit record, which will be helpful for subsequent borrowing from platforms/institutions.

Ok, this is "Is it true that consumer finance is in arrears?" Generally speaking, when the borrower maliciously fails to repay the loan within the time limit, the relevant lending platform/institution will have some collection means. Of course, when you receive the corresponding text message, you should distinguish between true and false. For example, you should be cautious about those who need to transfer money to another account, because they usually operate repayment on the official website/official platform. If in doubt, please consult the corresponding customer service.