What shall we do in loans overdue for three years?

If everyone's loan is overdue for 3 years, there will be behaviors such as dunning by the collection staff or exploding the address book and credit investigation. It is recommended to work hard to make money and go ashore as soon as possible.

Renren Lending Business Consultant (Beijing) Co., Ltd., founded on 20 10, is an information intermediary service institution in peer-to-peer lending and one of the early information intermediary service platforms in China, and is committed to providing online credit and loan matching services for high-growth people.

1. loans overdue Consequence: If the borrower is overdue, the post-loan department will carry out collection work. If the borrower fails to repay the loan within the specified time within 30 days after the deadline, Renren.com will make an early repayment on 3 1 day according to the rules of the user rights protection mechanism. When a secured loan invested by the secured loan manager is seriously overdue (that is, overdue for more than 30 days), Renren Loan will directly use the deposit in the account to pay the remaining unpaid investment principal or the remaining unpaid investment principal and overdue current interest to the investors of the secured loan according to the Rules for the Use of Funds in Deposit Accounts.

2. The overall solution for overdue online loans: negotiate with the overdue platform for an extension, and use the extended time to raise repayment funds. Explain your situation to your family truthfully. In this case, only your family can help you for free and borrow money from your friends to fill the hole in your debt. Mortgage the assets on hand to repay the loan and reduce the credit and property losses caused by overdue.

3. Precautions: It is recommended that the borrower contact customer service to negotiate repayment before the deadline, giving a grace period or reducing interest. Actively negotiate and take the initiative to repay. Don't wait for the overdue call of online loan to negotiate. You can take the initiative to contact customer service to negotiate repayment before the deadline, give a grace period or reduce interest, and you can call more. When communicating with the collection staff, you need to be sincere. After talking about the difficulties, you should express your good willingness to repay, list your own repayment plan, and show that you have work income and are trying to raise money. Be reasonable and keep the evidence. If there are irregular behaviors such as membership fees and audit fees in online loans, or there is a phenomenon of violent collection, you can keep relevant evidence, understand certain legal knowledge and negotiate, and pay attention to your words.