There will be the following two results: 1, credit loan: a loan obtained through credit loan. If the applicant obtains a loan through a credit loan, the lending institution cannot reduce the loss by selling the collateral. However, the lending institution will keep urging the payment, which has a great impact on the life and work of the lender. In the end, the borrower can't escape the legal sanctions and needs to repay the loan with the assets in his own name. 2. Mortgage loan: Under the mortgage loan method, the mortgage property will be auctioned, and the proceeds from the auction will be used to repay the remaining principal and interest, attorney fees, legal fees and other expenses in priority. If there is any surplus, it will be returned to the borrower in full. This is an easy process, but it may not be easy to do. At least, it takes three months to realize assets. During this period, the borrower can raise money to win the battle for assets, and the lender can use this money to withdraw the lawsuit. If the circumstances are serious, you will go to jail. Generally speaking, such incidents as borrowing money and not paying it back are civil and will not rise to the criminal level. However, if the borrower refuses to implement it, it will be considered as a deadbeat and would rather run away than pay back the money. If the circumstances are very bad, the borrower will be investigated for criminal responsibility, and if it is too serious, it will go to jail.
Second, will the micro-business loan not pay back the money, and will it seal up the enterprise?
If you can't afford to change money, the other party will definitely find a way to pay you back. Do something quickly.
Third, will microfinance freeze the company?
Microfinance will not freeze the company. Under normal circumstances, the company loans overdue will be frozen. There is one main reason for the loan freeze, which will have an impact on the company's repayment:
1, loans overdue records will be frozen;
2. If the overdue loan amount is more than 30,000 yuan, you can file a lawsuit to apply for compulsory execution. Will freeze the company's assets
3. Whether the company loan will be frozen depends on whether the company has repayment ability. If the enforcement is successful, the loan company can generally report to the. After compulsory execution, if the lender still fails to repay the loan, the company may apply for compulsory execution. If the lender still fails to repay the loan after applying for enforcement, the company may apply for enforcement.
Fourthly, the responsibility of micro-credit to corporate.
There is no upper limit on interest.
Creditors of the company do not bear the debts of the company, because shareholders bear limited liability to the company. The so-called limited liability means that when the company is established, shareholders pay their capital contributions in full and obtain equity. Article 7 of the Enterprise Bankruptcy Law of the People's Republic of China stipulates that the debtor may apply to the people's court for reorganization, reconciliation or bankruptcy liquidation under the circumstances specified in Article 2 of this law. If the debtor is unable to pay off the due debt, the creditor may apply to the people's court for paying off the debt. If an enterprise as a legal person has been dissolved, but the assets not liquidated are not enough to pay off the debts, the person liable for liquidation according to law shall apply to the people's court for bankruptcy liquidation. Bankruptcy and reorganization is the expectation of enterprise's rebirth. As a debtor, you can avoid bankruptcy liquidation of the enterprise; For creditors, it is also possible that after bankruptcy, creditors rank lower in liquidation and it is difficult to guarantee repayment.
For debt restructuring, on the basis of negotiation, there are the following solutions:
1. After the agreement on resumption of production and reorganization is suspended, the creditor and the debtor can negotiate, and the enterprise can only pay a certain amount of interest within a certain period of time to suspend.
2. Extension of creditor's rights. In the case of negotiation and settlement, creditors can postpone the opportunity that the enterprise has breathed.
After friendly consultation between the two parties, if the creditor has sufficient funds for the bankrupt and reorganized enterprise, the debt of the reorganized enterprise shall be cancelled.
4. Flexibility of bank debt conversion. In some ways, the bank is a special debtor. For the debts of banks, it is generally not possible to offset the creditor's rights of the debtor's bank by converting creditor's rights into shares, but by means of transition.
The merged company paid off its debts. After that, the debts of the original company will be repaid by the newly established company, and the repayment period will be agreed by both parties.
6. Development and innovation. Bankruptcy reorganization means that creditors and debtors negotiate with each other to win the case, freeze debts, divest debts, and convert creditor's rights into equity, all of which are constantly changing with the development of the times and market economy, and the treatment schemes are constantly being optimized and updated.