First of all, answer directly.
If the online loan is overdue, you must communicate with the lending institution in time to see if you can apply for deferred repayment or reduce some penalty interest, and you need to actively communicate with the platform.
Second, the specific analysis
Of course, you can also borrow money from relatives and friends, and pay back the overdue loan first, so as to avoid further expansion of overdue influence.
After the online loan is overdue, you need to bear the following consequences.
1, credit will be hurt.
2. It will be collected by the platform.
3. Penalty interest will be calculated.
4. The loan amount will be reduced.
5. The loan amount may be frozen.
6. Affect other loan applications.
7. Occupation is affected by credit information damage.
8. Will be blacklisted.
9. Affect children's further education.
10, unable to enjoy preferential loan policy.
It can be seen that loans overdue has a great influence on loans. After the loan application is successful, you should still remember to repay it on time.
Don't pin your hopes on deferred repayment or negotiated repayment, because some lending institutions don't support it.
Before formally applying for online loans, you need to carefully consider your own economic strength and borrow reasonably on the premise that your income can cover your loan expenses.
You can get the online loan big data report from the platform of "Xiaoqi Credit Information", which contains information such as online loan history, overdue details of online loans, liabilities, untrustworthy information, and online loan blacklist.
Third, how to negotiate if the online loan is unable to repay after the deadline?
If the online loan cannot be repaid within the time limit, it is recommended to take the initiative to explain to the platform customer service that you are temporarily unable to repay, and prepare relevant materials to prove that you did not intentionally repay, and then try to apply for an extension of the repayment period and repayment by installments.
The platform should be considered as appropriate. If it finally agrees, it can negotiate a new repayment plan with the platform, and then repay in installments on time according to the new plan.
However, the platform may also refuse. If negotiation fails, we can only find another way, such as trying to borrow money from family and friends around us.
What everyone needs to pay attention to is that some online loans are informal and may be deliberately charging high interest. Once you find that your online loan has reached the standard of usury, you can actually choose not to pay back the fees beyond a reasonable range.
If the platform keeps dunning, it can also collect relevant evidence and report it to the local CBRC or China Internet Finance Association.
What about the online loan collection harassing company?
You can call the company after the online loan is overdue:
1, complain. You can directly contact the online loan customer service to complain and ask to stop this behavior. If it really doesn't work, you can report it to the relevant departments.
2. intercept. The other party already knows your company's phone number, so there is no way but to let the front desk or administration who answers the phone ignore it.
3. Take the initiative to confess. If you reach the company's leaders and upper levels, it depends on how the company handles it.
With the progress of science and technology and the development of society, many people now have a very high demand for materials. Especially some college students, in order to meet their material needs, began to apply for campus loans, which is very wrong. If you really need a loan, you should also actively communicate with your family to prevent yourself from being cheated.
In online lending, we must find relevant formal platform loans and sign relevant contracts. When making a loan, you should measure your loan amount according to your own economic conditions or living conditions.
According to the regulations, it is reasonable and legal for the online lending platform to call the company to find a contact. However, the online lending platform cannot maliciously harass the company or publicize the borrower's arrears. Otherwise it may be a violent collection.
If you think that the online lending platform calling the company has involved violent collection, then you can complain to the relevant departments. The departments that accept your complaint are: Internet Finance Association, China Banking Regulatory Commission, local financial office, etc. Details are as follows:
1, Internet Finance Association
Internet Finance Association has set up a complaint platform in official website, which can report online loan collection to companies.
2. Bank of China Insurance Regulatory Commission
As China's financial supervision and management department, CBRC also has the power to supervise online lending platforms. If you think that calling the company for online loan collection has caused you great losses, you can complain to the CBRC.
3. Local financial offices
Every place has a local financial office, which is responsible for the supervision of the financial sector. If you want to complain about online loan collection, call the company or find the local financial office.
Generally speaking, online lending platforms are allowed to hit companies because they can't contact borrowers. For debtors, paying off debts as soon as possible is king. Otherwise, it is difficult to stop online loan collection.
What should I do if I encounter online loan dunning?
In case of online loan dunning, customers should actively communicate, minimize the impact of overdue as much as possible, and strive for more conditions conducive to repayment. If the loan is called for, it is generally the reason why the customer fails to pay off the loan in time after applying for the loan.
After network loans overdue, customers will definitely be in arrears by lending institutions. After all, lending institutions should also safeguard their rights and interests. In addition, the customer will have to bear the following overdue consequences after loans overdue.
1, credit will be hurt.
2. Affect children's further education.
3. There will be penalty interest.
4. The loan amount will be reduced.
5. The loan amount may be frozen.
6. Affect other loan applications.
7. Occupation is affected by credit information damage.
8. Will be blacklisted.
9. Unable to enjoy preferential loan policy.
10, malicious overdue may be prosecuted.
Therefore, after customers apply for online loans, it is best not to overdue. Even if you really don't repay, you should actively communicate with the online lending platform, strive for more favorable conditions for its repayment as much as possible, and minimize the impact of overdue.