Contact information of private lending in Lu' an

0835-2240679。 You can consider personal unsecured loans. Lack of money and no suitable collateral, unsecured loans are considered to be a good choice. Nowadays, most young people are moonlight people, so there will be a shortage of funds in their usual consumption. Then, in life, what should I do if I encounter a shortage of consumption funds and have no money? You can apply for a small consumer loan. Although the minimum amount of many unsecured loans is more than 50,000 yuan, there are still many small loan companies that can provide unsecured small consumer loans of 1 10,000 yuan or even several thousand yuan. As long as the borrower has a stable job, can provide bank running water and has a good personal credit record, he can apply.

Consequences of loans:

1, personal credit is affected. It will be difficult for you to get a loan in the future! For example, if you usually use a credit card, you forget to repay or default for a while, and your credit will be in trouble. In the future, for example, if you buy a house or a car, the bank will not lend you money easily, nor will it raise interest for you. Needless to say, this.

2. Penalty your interest. Penalty interest means that the borrower fails to repay the loan within the time specified by the bank, which leads to overdue; If the part is overdue, the bank will calculate the interest on a daily basis.

3. After a long time, the bank will call or there will be a special person to communicate with you. "Dude, is it time to repay?" .

If you don't pay it back, the bank will auction your collateral. After the auction, pay off the loan principal, loan interest, overdue interest and penalty interest, legal fees and other related expenses.

What about loans overdue:

1, overdue within three days.

Banks usually have "time tolerance" mechanism. In this case, you only need to call the bank customer or contact the bank account manager at the counter. If the arrears can be paid off within 1-3 days, the overdue interest and late fees will generally not appear in the credit record.

2. What if it is overdue for more than three days?

If it is overdue for more than three days, the overdue record is likely to be reported to the credit information system. You need to ask the lending institution whether to submit your credit information. Those that have not been submitted will be repaid in time, and the overdue records are expected to be eliminated. If it has been submitted, it needs to be repaid in time, and then wait for five years, after which personal credit will be automatically restored.

3. Will non-malicious overdue affect the loan application?

If it is not malicious overdue, you can ask the bank to issue a "non-malicious overdue certificate". Even if you have made a credit record, it will not affect your future loan application.

4. Overdue due to other reasons.

This includes loans, secured loans, etc. If the personal information is incorrect, you can apply for objection to the relevant outlets of the People's Bank of China. If the repayment is overdue for non-personal reasons, the bad records will be eliminated. If the guarantee is overdue, there is no other way to urge the parties to repay as soon as possible.