Which small loan is the collection in Nanchang, Jiangxi?

Nanchang, Jiangxi is the assembly place of Sheng Da series.

1. Sheng Da series is a loan platform with various types of small loan platforms. The loan from Nanchang, Jiangxi Province was collected by Sheng Da Series.

2 loan collection refers to the collection of non-performing loans (including sluggish loans and overdue loans). Dull loans refer to loans that are overdue (including those that expire after extension) but not returned according to the relevant provisions of People's Republic of China (PRC) and the Ministry of Finance, or loans that are not overdue or overdue but whose production and operation have been terminated and projects have stopped (excluding non-performing loans). Overdue loans refer to loans due (including those due after extension) according to loan contracts (excluding sluggish loans or bad loans).

1. How long has loans overdue had a bad record?

The so-called overdue, that is, overdue, generally refers to the borrower's failure to repay in full according to the repayment date and time limit when signing a repayment contract with the bank, which leads to the loan exceeding the agreed time limit. Then how many days overdue will constitute a bad record, depending on the degree of risk judgment of the bank. The identification of bad records in loan business and credit card business is different and cannot be generalized. But generally speaking, if the borrower "has been overdue for three consecutive months and accumulated six times", it will be regarded as a problem customer by the bank. Whether the borrower will form a record and upload it to the credit information system after a few days overdue depends on whether the bank has a grace period. If uploaded to the credit information system, whether it is maliciously overdue, banks also have their own standards.

Second, what harm will overdue repayment cause?

1. Penalty interest: Credit loans overdue, the lending institution will collect the loan first to remind the borrower to repay, and the general interest rate will rise. The penalty interest varies from lending institution to lending institution, depending on the situation.

2. Bad credit record: After the deadline, it will inevitably leave a bad record, which will affect personal reputation. Although this bad record is not accompanied by a lifetime, once it is produced, it will be difficult to change, that is, it may last for 3 to 7 years, and even buying a house and car will be seriously affected.

3. Can't enjoy preferential loans and can't apply for loans: friends who are seriously overdue may not be able to get the preferential interest rate of bank mortgages smoothly, and what's more, banks may not approve loans again.

4. Those with serious circumstances will be punished by law: those who have the ability to refuse to implement effective legal documents will be punished by law.

If you don't repay the loan for three consecutive months, you can basically judge that he is "maliciously" in arrears, and banks are generally very cautious about such customers when approving loans. For borrowers with "three consecutive problems", banks may take measures such as refusing to lend, reducing the loan ratio and raising the loan interest rate depending on the time and amount of their arrears. For borrowers with "six-year" problems, most banks will further investigate their previous specific situation in loans overdue to make a judgment.

Operating Environment Sheng Da Series (v 1.0.0) Huawei P50 (HarmonyOS System 2.0.0)