Is it true that consumer finance is collected at home?

is it true that consumer finance is collected at home?

First, a positive answer

Consumer finance generally does not come to the door when it is overdue. After it is overdue, door-to-door collection is a more radical collection method, which does not meet the relevant requirements. Moreover, door-to-door collection requires a lot of manpower and material resources, and the efficiency is not high. Regular lending institutions will not do this.

ii. specific analysis

under normal circumstances, the platform will take the following measures after the deadline.

1. report to the personal credit information system.

2. calculated overdue penalty interest.

3. Call for timely repayment.

4. Reduced loan amount.

5. the amount temporarily frozen.

6. All loans are required to be repaid in advance.

7. Withdraw the preferential loan.

so even if the platform won't collect money at home, it can be seen that it will have to bear more serious overdue consequences after it is overdue.

in order to avoid these situations, after applying for a loan, it is still necessary to repay the loan in full as agreed.

Before applying for a loan, you can carefully consider your repayment ability and apply for a loan reasonably on the premise that your personal income can cover the loan expenses.

If you have overdue records online or loan records from multiple platforms, your records will be subject to big data risk control. When your online loan platform often rejects you, even the flower garden will be closed. If there is any abnormality in your online hacking data, you can find out: Beijian Quick Check, you can get your own big data and credit status, you can get various indicator data, you can query your own personal credit status, blacklist, online loan application record, application platform type, overdue amount, whether there are arbitration cases, and other important data information.

third, what should I do if the central plains consumer finance has a quota?

the central plains consumer finance line cannot be withdrawn, which means that the user has not passed the system audit, so he can't get the loan funds.

The line given by Zhongyuan Consumer Finance is a credit line, which is not equal to the withdrawal line. When there is a line, users can submit a loan application, but they must pass the loan review before they can borrow money.

without the credit line, users cannot submit loan applications.

Zhongyuan Consumer Finance has a quota, but it has not passed the audit. Users can submit a loan application again, and there is a certain chance that it will pass the audit. Is it true that consumer finance comes to the door for collection?

Consumer finance comes to the door for collection is fake. If the amount you owe is not large and the overdue time is not long, generally speaking, it will not really come to the door. Unless you owe hundreds of thousands of dollars, and it is seriously overdue, in that case, it is not impossible to collect it at home.

Extended information:

1. What is consumer finance?

1. Consumer finance is a modern financial service mode that provides consumer loans to consumers at all levels. Under the current macroeconomic situation in China, it is necessary to introduce relevant management measures in a timely manner to meet the trend and needs of the objective economic situation. From the perspective of financial product innovation, personal credit business is an area that traditional banks cannot fully benefit from. Establishing a professional personal consumption financial system can better serve individual residents.

2. A consumer finance company is a non-bank financial institution established with the approval of the Insurance Regulatory Commission of the Bank of China, which provides personal loans for consumption in China. For example, Gitzo Consumer Finance, Immediate Consumer Finance, Zhongyuan Consumer Finance, China Post Consumer Finance, Shanxi Merchants Consumer Finance, etc., as well as Xiaoman Finance, Suning Finance, Jingdong Finance and so on.

customers can apply for loans from the above-mentioned consumer finance institutions. Generally, as long as their personal credit is good and they have sufficient repayment ability, they can successfully borrow money. In addition, some consumer finance companies cooperate with other lending platforms and can also issue loan funds as lenders.

2. The supervision of consumer finance has been tightened, and the growth rate of the industry has obviously slowed down

1. China's consumer finance industry has reached a mature stage. According to the Development Report of China Consumer Finance Company (221) issued by China Banking Association, by the end of 22, the assets of domestic consumer finance companies exceeded 5 billion yuan for the first time, up 5.18% year-on-year; The loan balance increased by 4.34% year on year. In contrast, the year-on-year growth rates of asset size and loan balance in 219 were 28.67% and 3.5%, respectively, and the industry growth rate slowed down significantly.

2. At the same time, in 221, the supervision faced by the consumer finance industry will be further tightened. In August this year, many regulatory authorities required consumer finance companies under their jurisdiction to control the personal loan interest rate within 24% in an all-round way, and set a transition period to adjust, which directly led to the compression of the profit margin of the consumer finance industry.

3. Prior to this, in June 221, the Internet Finance Association issued the "Proposal on Regulating Financial Products and Services Related to Medical Beauty", requiring financial institutions not to cooperate with any illegal medical beauty institutions and not to provide relevant financial products and services to any illegal medical beauty institutions. At the same time, with the implementation of the policy of "Opinions on Further Reducing Students' Homework Burden and Off-campus Training Burden in Compulsory Education Stage" issued by the General Office of the Central Committee of the Communist Party of China and the General Office of the State Council in July 221, the supervision of loans in the training field has been strengthened, and the training loans related to exam-oriented education have also been impacted, and the business has been significantly reduced. Is it true that consumer finance is in arrears? Never be careless!

when it comes to consumer finance platforms, many people may think of BOC consumer finance, Zhaolian consumer finance and Suning consumer finance, etc., and more or less, they will see overdue loans, so some people will ask if it is true that consumer finance is in arrears. Let's help you solve your doubts.

is it true that consumer finance is in arrears? If the borrower owes a large amount and is overdue for a long time, it may be collected by the lending platform. For some malicious overdue users, the relevant platforms will take some repayment methods, such as sending text messages, making phone calls, etc., and if they receive similar short messages that will not be collected at home after the deadline, then the borrowing users need to pay attention. However, users should keep a good habit of borrowing and repayment in the process of borrowing, regardless of whether they receive similar collection messages or not, otherwise there may be some impacts. For example, relevant lending platforms/institutions may report overdue information to the central bank for credit investigation, and will be charged with a certain overdue penalty interest, and may call the borrower's contact person for collection. If it is serious, they may also receive a notice of being sued. Therefore, in the process of borrowing money, users are advised to repay in time and keep a good credit record, which will be helpful for subsequent borrowing from platforms/institutions. Ok, that's the answer to the question "Is it true that the consumer finance is in arrears?" Generally speaking, when the borrower maliciously fails to repay the loan within the time limit, the relevant lending platform/institution will have some collection methods. Of course, when receiving the corresponding text message, it is necessary to distinguish between the true and the false, such as being cautious about those who need to transfer money to another account, because they will generally operate the repayment on the official website/official platform. If you have any questions, please ask the corresponding customer service.