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First of all, if it is overdue, depending on the length of time, it will have an impact on your credit information. If it is seriously overdue (more than 90 days), the credit investigation is a black account, and you cannot apply for any loan business before it is paid off. Secondly, it will cause additional expenses such as liquidated damages and overdue interest. Long-term overdue is nothing new, and the final interest is greater than the principal. Please be careful.

Loans overdue records accounting credit information.

Overdue records are included in credit information. 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.

Loans overdue will be punished, prosecuted and even blacklisted by the untrustworthy.

Another serious consequence of loans overdue is that it will be collected. Text messages and phone calls are routine means. Once all this fails, the bank will sort out your loan contract, hand it over to the regulatory authorities and start suing you. If you don't repay the loan, you will go to court. As long as the evidence is conclusive and you want to breach the contract, the court will decide to enforce it. Even your only house may be auctioned off.

Finally, loans overdue influenced his career.

For loans overdue customers who have been overdue for more than 90 consecutive days and the circumstances are serious, the loan company will publish the ID number and overdue information in the media, or inform the work unit, and will sue.

However, there will be no other criminal responsibility. Because the loan relationship is a civil relationship, it is also a civil dispute to be sued for not repaying the loan, and there will be no sentence. The Supreme People's Court's opinion on "increasing the criminal punishment for evading execution" is to crack down on criminal activities that refuse to execute judgments and rulings. The main collection is malicious non-repayment of debts and refusal to execute the compulsory judgment of the court.

However, if you provide false information or false information to defraud the loan during the loan process, you will bear criminal responsibility. Criminal Law Amendment (VI) adds new charges.

Article 175 of the Criminal Law, "Whoever obtains loans, bills, letters of credit, guarantees, etc., defrauds the funds of banks or other financial institutions, and causes heavy losses to banks or other financial institutions or has other serious circumstances, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention, and shall also or shall only be fined; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and fined. "