Hanhua Microfinance Company: Is it true?

It's true, but not very good. When you pay next time, you will find that your bank card number is wrong. He will let you take the money, unfreeze it, and then say that you paid the insurance because the card number was wrong. Regular small loan companies are only allowed to conduct business locally, and they should handle it in person. Do not charge pre-loan fees or withhold interest, and never use the bank account under the name of an individual (so-called legal person, manager or financial controller) to charge fees. For example, small loan companies in Beijing are only allowed to issue loans within the districts and counties where they are registered. The business beyond the geographical scope and the business based on the network platform are scams, which should be companies that cheat or defraud in the name of regular companies.

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1. Consequences of non-repayment of small loans

If the loan is not repaid, the following consequences may occur:

(1) If it is really unable to repay, negotiate with the credit company to extend the repayment period or repay it in installments.

(2) If the credit company fails to perform the judgment of the court during the performance period after suing the court and winning the case, it will apply to the court for enforcement.

(3) Having the ability to refuse to execute the judgment or ruling.

(4) If the lender has no enforceable property and refuses to perform the effective judgment of the court, negative information such as overdue repayment will be recorded in the personal information report, which will restrict high consumption and entry and exit, and may even face judicial custody.

⑤ When accepting an application for enforcement, the court will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law.

2. A small number of loans overdue learned how to resume credit reporting.

If it is a small loan, users need to repay it in time according to the standard. If you don't go to the credit bureau, it won't have any specific impact. Moreover, according to the standard of small loans, a small loans overdue day is not a bad record. If the user is only one day overdue, he needs to contact the lending financial institution in time to handle the relevant business, and it will not affect to pay it off in time.

3. Do you need to apply for credit information for microfinance?

Microfinance itself is a platform with high interest. There are tens of thousands of microfinance platforms in China, but there are less than 100 interfaces that can really be checked with the central bank. In other words, most microfinance platforms will not be recorded in personal credit reports, and there will be a blacklist between microfinance companies. If they don't pay back the money, they will be blacklisted by these * *.

In fact, I suggest that you don't borrow a micro-loan platform without lack of money. High interest will bring trouble to people in the address book. And when you borrow money, you are exhausted in the reminder. Small loans do not harm family members.