2. After consultation with the bank, a clear repayment plan has been determined, so the next thing to do is to circulate funds and let shareholders raise money to tide over the difficulties for the company.
3. If it is a mortgage loan that pays interest first and then the principal, the general amount is not very large, so you can find a friend to turn around. If the repayment method is average capital, if the loan amount is not particularly large, you can still find a way to repay it monthly.
If the above cannot be solved, it will be further solved through small loans, such as Alipay online business loans, WeChat micro-loans and other lending institutions. These loans will not be settled until the company is in good operating condition.
Bank loans that can be repaid must not be overdue, otherwise it will affect the credit of enterprises. If you can't repay all the measures, you can negotiate with the bank to seal up the collateral and then auction it off.
1. Borrowers with insufficient repayment ability can choose to seek help from other lending institutions when the loan is about to expire. If the amount is small, they can consider applying for an unsecured loan; If the amount is large, you can ask the guarantee company to help you pay off the balance and remove the mortgage, and then apply for a new loan from the bank, and repay the advance payment of the guarantee company after getting the loan.
2. If there is a financial crisis and the repayment fails to be completed as scheduled, the borrower can take advantage of the policy loophole to "enjoy" the repayment grace period. Specifically, the house will not be auctioned immediately after overdue repayment. Generally, banks will file an auction lawsuit with the court when the repayment is overdue for about half a year, and it will take less than half a year from the court's judgment to the execution of the auction.
In this way, the borrower is equivalent to a one-year repayment "grace period". During this period, if the borrower can fully repay the principal and interest that should be returned to the bank during this period, and continue to repay in full every month in the future, then you will win this "house defense war". Although the method is good, in order to ensure that the credit record will not be seriously damaged, it is recommended that the borrower should not exceed three months overdue.