Is overdue negotiation repayment overdue? (How to calculate the overdue repayment period? )

Negotiation repayment after overdue is still considered overdue. In the process of negotiating repayment, the calculation method of overdue depends on the specific terms of the agreement and the creditor's policy.

1. overdue start time: usually calculated from the initial repayment period, not from the negotiated repayment date.

2. Impact of agreed repayment: agreed repayment can help debtors reach an agreement with creditors, but it does not mean that overdue payment has been eliminated. Creditors may continue to record the overdue period and calculate the expenses and fines incurred during the overdue period.

3. Conditions for repayment by agreement: repayment by agreement usually requires the debtor to pay according to the new repayment plan, including overdue amount and interest. The overdue period will be lifted only after full payment is made according to the negotiation plan.

Summary: Negotiated repayment is still overdue after overdue. Try to avoid overdue before repayment. If it is overdue, negotiate with creditors in time and fulfill the repayment obligations in strict accordance with the requirements of the agreement.

Extended data:

Negotiated repayment is a common method to solve overdue debts, which is conducive to reaching a consensus and reducing disputes. In China, for different regions and different creditors, the specific provisions of agreed repayment may be different. According to the Contract Law of People's Republic of China (PRC), both parties can reach an agreement through negotiation to modify or terminate the original contractual obligations. However, negotiated repayment after overdue cannot completely eliminate overdue records and their possible consequences.