What is overdue loan software?

What are the consequences of online lending?

What are the consequences of online lending?

First, bear high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. So, if you have the ability to repay on time, don't be overdue.

Second, undertake the fancy collection of the platform.

The collection is generally divided into three stages: the first stage, just a few days after the overdue, the platform customer service mm will gently remind you that it is overdue, please repay it on time; In the second stage, if it is overdue for a long time, the platform customer service will seriously warn that the threat of overdue will face serious consequences; In the third stage, it was overdue for a long time, and the platform stopped trying to convince the other party and began to take practical actions.

There are many practical actions, such as: the platform pushes your arrears information to your relatives and friends, which makes you lose face in the circle of friends; The platform arranges special collection personnel to collect money at home and communicate face to face to collect accounts. Of course, these are still relatively mild. Some platforms outsource collection, and special collection companies collect them. The collection company "violent collection" that broke out some time ago believes that borrowers are not willing to encounter it.

Third, facing the crisis of national trust.

Now online lending platforms have established a blacklist system, and blacklist platforms have begun to communicate with each other. Borrowing on one platform is overdue, and it is very difficult to borrow on other platforms. In addition, online lending platforms will publicize blacklists through their own online channels such as WeChat and Weibo, and even on the big screens of railway stations and airports. Let the people all over the country know that these "old lai" borrow money and don't pay it back! Of course, ordinary borrowers will not go so far except those who owe money maliciously.

Fourth, the People's Bank of China is tainted.

At present, most online lending platforms have not been connected to the People's Bank of China's credit information system, but it has become an inevitable trend to connect to the People's Bank of China to collect Zheng Xin. In the future, if the online lending platform fails to repay the loan within the time limit, it will be recorded in the credit information system of the People's Bank of China like bank loans and credit cards, resulting in credit stains. If the previous consequence is only losing face, then the stain of credit information will affect real life, and there is no way to borrow money if you want to buy a house, no way to mortgage if you want to buy a car, and so on.

The defendant went to court.

After the loan is overdue for a long time or deliberately not repaid, the amount exceeds 2000, which can already constitute a crime and is in danger of being sued by the online lending platform. Once the online lending platform wins the case, the borrower not only has to pay the money that needs to be repaid, but also pays the litigation costs and huge fines of both parties, and even faces jail time.

What are the consequences of overdue online loans?

The consequences of overdue online loans are as follows:

1. If the lending institution or bank fails to perform the judgment within the performance period after winning the case, it will apply for enforcement.

2. When compulsory execution is accepted, the lender's property, vehicles, securities and deposits will be inquired according to law.

3. If the lender has no property to enforce, refuses to perform the effective judgment, overdue repayment and other negative information will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.

Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and network.

What are the consequences of overdue flying loans? What about the flight to loans overdue?

Overdue is the last thing we want in the loan, but sometimes it is because the lender forgets and sometimes it is unable to repay, but whatever the reason, it will bring trouble to the lender's life. As a mobile phone loan software deeply sought after by young people at present, what impact will it have if it is overdue? Will the plane loan not be paid back? Let's take a look at the consequences of flying to loans overdue.

1, affecting personal credit information.

In economic life, credit can almost be compared with our ID card. It is really not worthwhile to affect personal credit information because of overdue. If the flying loan is overdue, the lender's overdue situation will be automatically uploaded to the credit information system of China People's Bank, resulting in credit stain.

Therefore, I would like to remind everyone that we must develop the good habit of repaying on time, avoid overdue and maintain a good credit record.

2. Generate overdue penalty interest.

If the lender is overdue, it will generate a certain overdue penalty interest, including overdue interest, management fee, comprehensive fee and liquidation fee.

Interest is calculated from the date of borrowing, not from the date of repayment. The management fee is charged once, the comprehensive fee is charged daily, and the liquidation fee is charged daily, each time in RMB.

Overdue penalty interest will correspondingly increase the financial burden of the lender and increase the repayment pressure on the basis of repayment. Therefore, in order to avoid paying more repayment, I suggest that you try to avoid overdue behavior and repay on time.

3. Disturb the lives of individuals and contacts.

If the lender fails to pay it back for a long time, the staff in Dai Fei will communicate with the lender himself by phone or SMS. If communication is not smooth, Dai Fei will also communicate with relevant contacts, causing unnecessary trouble.

Therefore, I also want to remind you that you must consider it clearly at the beginning of the loan, and don't involve yourself and others' lives because of impulsiveness.

4. Some legal risks

If you don't return it maliciously, it is very likely that you will return it after a certain period of time, resulting in legal risks.

Generally speaking, the impact of overdue is very great, so everyone must live within their means when lending, not blindly lending, not only for their own credit image, but also to avoid the adverse consequences of overdue and increase economic and life troubles.

What is the influence of loans overdue?

Consequence 1: calculate penalty interest.

There is no such thing as a free lunch. Financial institutions are willing to lend you money, and of course they will charge you interest.

Penalty interest is one of the most intuitive consequences in loans overdue. It is directly linked to your money. Why do you say that? In fact, many institutions have very strict regulations on overdue penalty interest.

Consequence 2: overdue records are included in the credit investigation.

Then you may not have seen other hazards in loans overdue, such as one of the very devastating consequences-overdue records are included in the credit report.

Even if you pay off your debts, your personal credit report will still show the fact that you are in loans overdue. The next time you want to apply for a credit card or apply for a loan, it will be affected. There are too many overdue times, and all kinds of loan financial services are basically beyond your reach.

Consequence 3: it will be collected and even blacklisted by the untrustworthy.

Loans overdue also has a serious consequence, that is, it will be collected. Text messages and phone calls are routine means. Once all this fails, the bank will sort out your loan contract and transfer it to the regulatory authorities for processing. If you don't repay the loan and go to court, as long as the evidence is conclusive and you want to breach the contract, you will be sentenced to compulsory execution, even if your only house may be auctioned.

This doesn't count. Those who owe money will not be returned to the "blacklist of untrustworthy people". The plane high-speed rail can't sit, the bank card Alipay account is frozen, and personal property is auctioned. Life is simply hard.

Legal basis:

Criminal law of the people's Republic of China

Article 577 Where a party fails to perform its contractual obligations or fails to perform its contractual obligations in conformity with the contract, it shall be liable for breach of contract such as continuing to perform, taking remedial measures or compensating for losses.

Article 578 Where a party expressly expresses or shows by his own behavior that he will not perform his contractual obligations, the other party may require him to bear the liability for breach of contract before the time limit for performance expires.

Article 579 If one party fails to pay the price, remuneration, rent or interest, or fails to perform other monetary obligations, the other party may demand payment.

Article 580 Where one party fails to perform the non-monetary debt or the performance of the non-monetary debt is not in conformity with the agreement, the other party may request performance, except in any of the following circumstances:

(a) It is legally or practically impossible to perform;

(2) The subject matter of the debt is not suitable for compulsory performance or the cost of performance is too high;

(3) The creditor fails to request performance within a reasonable time limit.

In case of one of the exceptional circumstances specified in the preceding paragraph, the purpose of the contract cannot be achieved, the parties or the arbitration institution may request to terminate the rights and obligations of the contract, but the liability for breach of contract shall not be affected.

Article 581 Where one party fails to perform the debt or the performance is not in conformity with the contract, and the performance cannot be enforced according to the nature of the debt, the other party may request it to bear the expenses to be performed by the third party.

Article 582 Where the performance is not in conformity with the agreement, it shall bear the liability for breach of contract in accordance with the agreement of the parties. If the liability for breach of contract is not stipulated or clearly stipulated and cannot be determined according to the provisions of Article 510 of this Law, the injured party may reasonably choose to require the other party to bear the liability for breach of contract such as repair, rework, replacement, return, price reduction or remuneration according to the nature of the subject matter and the size of the loss.

Article 583 Where one party fails to perform its contractual obligations or fails to comply with the contract, and after performing its obligations or taking remedial measures, the other party still suffers other losses, it shall compensate for the losses.

Article 584 Where a party fails to perform its contractual obligations or fails to perform its contractual obligations in conformity with the contract, thus causing losses to the other party, the amount of damages shall be equivalent to the losses caused by the breach of the contract, including the benefits that can be obtained after the performance of the contract; However, it shall not exceed the losses that the breaching party foresaw or should have foreseen when concluding the contract.

What will happen to loans overdue?

If the online loan has not been repaid, it will have the following adverse consequences:

1. A penalty interest will be charged from the overdue date until all arrears are paid off. The longer the overdue period, the more accumulated penalty interest (note that the overdue penalty interest rate charged by some online loans will be higher than the normal loan interest rate).

2. The system will report the overdue situation to big data, and some online loans will be connected to the central bank's credit information, so they will also be reported to the central bank's credit information, leaving a bad record in it, resulting in personal credit damage.

3. The platform will send text messages and call for dunning. If there is no response to SMS and telephone dunning, relevant personnel may be arranged to come to the door for dunning, and even a lawsuit may be filed.

4. Due to credit problems, the subsequent handling of credit business will be hindered, and it will be difficult to successfully handle it in a short time.

Therefore, I suggest that you always remember to repay the loan on time after borrowing it, and never fail to pay it back after the deadline. Of course, if the interest fees charged by online loans are too high, the interest fees beyond a reasonable range can be chosen not to be returned.

When people use the central bank's credit records, they will leave traces of inquiry, which is not good for their lending friends. Moreover, most online loans are not credit records, so they can't find specific online loan information at the time of credit reporting. Now, through the "Kingfisher Data" data, they can learn their personal data, and at the same time, they can learn more information about overdue online loans, application records, untrustworthy information, online loan blacklists and so on without leaving a trace.

Extended data:

What are the consequences of WeChat loan?

1, frequently collected

After the borrower loans overdue, the WeChat loan platform will collect the money first. If it is only 1-3 days overdue, it is usually a text message a day or a text message a day, which is not frequent for borrowers.

However, if the borrower is overdue for more than one week, the collection calls and text messages of the collection staff will be more frequent, generally reaching about three calls a day. If the overdue time exceeds one month, not only the borrower himself will be frequently urged, but also his family and friends will find it difficult to survive.

If the borrower is overdue for more than 2 months, and the borrower chooses to escape or lose contact, the collection staff of WeChat loan can consider collecting directly at home. Of course, door-to-door collection is generally based on negotiation, and a third-party notary will be present.

2. Generate penalty interest

After WeChat loans overdue, there will be overdue penalty interest. Generally speaking, overdue penalty interest will be higher than bank loans, after all, the loan interest rate is higher.

According to the regulations, the overdue penalty interest of WeChat loan is generally 1 and 5 times the loan interest rate. The longer the borrower is overdue, the more penalty interest will be paid for overdue loans. After the penalty interest is increased, the repayment pressure is greater and it is more difficult to pay off the loan.

3. Personal credit information is damaged

Wechat loans are basically on credit reporting. Once overdue, there will be a stain on loans overdue's credit information. The longer the overdue time, the higher the level of bad records. The higher the grade, the more serious the overdue behavior.

Once there is a serious bad record in credit reporting, it is very difficult for borrowers to apply for bank mortgage and car loan in the future. Even if you apply for a credit card, it is easy to be rejected. Even if it is done, the loan amount is generally between several hundred and several thousand yuan.

4, affect the work

If the borrower fails to pay it back for more than 3 months, it is very likely that the collector will find the borrower's work unit. Once the unit knows that the borrower has a serious overdue record, it will have a serious impact on the borrower's career.

Step 5 exist

If it is overdue for more than three months, the WeChat loan platform has the right to borrow.

After the borrower is arrested and the case is established, all the property under his name will be frozen and auctioned after compulsory execution. If the borrower is a civil servant or something, he needs political review. Once it is found that there is a record of enforcement, it will also affect the future of the borrower.

So much for the introduction of overdue loan software.