Will Suning be prosecuted for willful loans overdue for more than two years?

If the willful loan is overdue for more than three months, it may be sued. After being sued by the platform, it will bear the following consequences.

The assets under 1. will be frozen.

The patience time of the platform is limited. If the overdue time exceeds three months and there is suspicion of intentional default on loans, then the platform will safeguard its rights and interests through legal means. Once sued by the platform, the assets under its name may be frozen.

2. There will be a late fee.

If the repayment is normal, the platform will only charge normal loan interest, but it will also bear the corresponding overdue fine, which will directly increase the debt pressure.

3, will be restricted to high consumption.

Once sued by the platform, the daily life after the court decision will be restricted to high consumption. For example, by means of transportation, you can't choose second-class cabins such as airplanes, trains and ships, you can't buy real estate, and you can't build, expand or decorate high-end houses.

4. Be included in the list of untrustworthy people.

Under normal circumstances, the debt problem should be actively solved after the court's decision. If we refuse to carry it out, we will be included in the list of untrustworthy people. After becoming the executor, we will not be able to continue to hold the senior management position of the company's "Dong".

5. Affect children's education.

After the overdue lender becomes the executor, it will not only affect himself, but also restrict the children from attending private schools with high fees, which may disrupt some education plans.

6. Leave a stain on the credit report.

If you are willful in loans overdue, you will definitely leave a record of non-performing loans in the credit report, and loans overdue records will be kept in the credit report for five years, which is a long time and will have a far-reaching impact on it.

7. Enforcement by the court.

After the court decides, it will give a period of preparation time. If you can delay the time and refuse to perform the court's judgment, the court will enforce it after the time is up and dispose of the assets under your name reasonably.

8. If the circumstances are serious, they will bear criminal responsibility.

For the purpose of illegal possession, defrauding a large amount of public or private property by fictional facts or concealing the truth may constitute fraud and will be investigated for criminal responsibility.

It can be seen that after applying for a willful loan, it is still necessary to repay the loan in time as agreed. If it's really not on the bill, try to actively communicate with the platform to delay repayment, so as not to bring too much impact on yourself.

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What if loans overdue is sued?

Loans overdue was sued, and the user can contact the lending institution to negotiate and apply for repayment.

If the lender directly refuses the user's application to negotiate repayment, then the court will let both parties negotiate repayment, and the negotiation also fails. Finally, the court decides the user to repay.

If the negotiation is successful, the user needs to repay the loan according to the negotiation agreement, and the lending institution will also withdraw the lawsuit.

Regardless of whether the negotiated repayment is successful or not, users need to pay off overdue debts, but successful negotiation can extend the repayment period, reduce part of interest and reduce the repayment pressure of users.

If negotiation fails or the lending institution refuses to negotiate, users will usually be required to pay off overdue debts in one lump sum, which will cause greater repayment pressure on users.

If the user has a good attitude, no malicious overdue, overdue for special reasons, there is a certain probability of success in applying for negotiated repayment.

Lending institutions will also sue users in order to let them pay off overdue debts. As long as the user is willing to repay the loan, the lending institution will generally withdraw the lawsuit.