What should I do if Qiannong's e-loan is not due?

How can Qiannongyun repay interest when it is overdue?

1. Repaying the interest of Qiannongyun is the same as simple repayment. Users only need to repay the principal in the way of Qiannongyun.

2. Users can open Qiannongyun mobile APP, and then click Qiannongge loan on the home page. After clicking Qiannong e-loan, users can click I want to repay on the jump page.

3. In the repayment amount prompt page, the user can enter the amount to be repaid according to the page prompt, and click Repayment after confirming that there is no excess. (Qiannongyun Apple 12, ios 14, Qiannongyun version 10.2.3)

1. What is Qiannongyun?

It is an online financial platform built by Guizhou Rural Credit Cooperatives with financial services as the core and value-added services such as industrial Internet and consumer Internet as the link. It includes seven Internet financial ability centers, such as accounts, customers, products, contract orders, payment, credit and institutions, application scenarios such as top-up payment, Internet payment, farmhouse music, e-commerce optimization, online loan, and supporting applications such as Internet financial customers, customer service and Internet financial accounts, which is "convenient and fast".

Consequences of overdue repayment

First, personal credit is not good. As long as the borrower is overdue, personal credit will be damaged, and this record will be kept for 5 years. During this period, if the bank credit business is to be handled, the auditors will focus on checking the credit records. If the loan is in arrears for a long time, it will lead to the formation of bad debts, which can basically be regarded as black households.

Second, collection. Generally speaking, after the loan is overdue, the banking institution will immediately arrange for people to notify by phone or SMS. Although there will be no violent collection, there will be some phone calls. If it is overdue for a long time, the bank may outsource the debt to a third party company, and the daily life of the borrower will be affected to some extent.

In addition to the above consequences, the borrower may be sued if it is overdue. Although banks rarely use this method, if the borrower owes too much, it does not rule out that banks will also sue in court. So I suggest that you pay back on time and don't have the idea of default, otherwise it will really bring you a lot of trouble.

Credit cooperatives can't repay the e-loan of Qiannong, can they use the housing provident fund to repay it?

Of course.

You can also apply for housing provident fund loans. The guarantor has not entered the credit management system for the time being, but I suggest you urge your friend to pay back the money as soon as possible. If he doesn't return it on time, if the credit union sues, you will be jointly and severally liable for the guarantee.

The bank shall notify the applicant to solve the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

What should I do if Qiannongyun's loan is not due?

First, if the loan is not paid, first of all, you should get in touch with the lending institution in time to explain the current situation and reasons why your loan is not paid. Secondly, we should negotiate with the lending institution to see if we can pay by installments or extend the repayment period. After reaching an agreement with the loan, the arrears must be repaid on time according to the negotiation results.

Second, the consequences of not repaying the loan.

1. If the loan is not repaid, the bank will take certain collection measures. In the initial telephone notification, if the loan is not paid, you can explain your actual situation to the bank and try to apply for an extension, which depends on different bank regulations; If the loan exceeds 90%, if the circumstances are serious, it can be regarded as malicious overdue, and bank collection may also put pressure on yourself and your family, affecting the normal life of individuals and families. Borrowing will not affect personal credit records, and bad credit records will become obstacles to future loans such as mortgage, car loan and credit card processing. If you are sued to the court for not repaying the loan, you can report to the Supreme People's Court and enter the "list of untrustworthy people", which is also commonly known as the "Lao Lai list". It is forbidden to travel by high-speed rail.

2. If the debtor really has no money to pay back, even if the other party wins the lawsuit, the court executor knows that you can't execute it without money. Only when you have money and refuse to return it can the court arrest people. Try to avoid overdue. If the loan is not overdue, it will not only repay the principal and interest of the normal loan, but also generate a high penalty interest. The key is that if credit is collected on the loan platform, overdue will make personal credit record worse. I really can't afford to pay back the money. It's best to confess with my family in advance on the repayment date and leave enough time to raise money for repayment with my family.

3. If you really can't stay overdue, don't be in arrears for too long, especially if the overdue amount is relatively large, don't exceed 3 months, otherwise you will face door-to-door collection or even prosecution. You can try to negotiate repayment with the loan platform, indicating that you are willing to make a repayment plan. If the repayment can be negotiated successfully, the borrower should seize the opportunity and stop overdue.