1. There are two main repayment methods in Wan Hui.
One is bank withholding, and the other is voluntary repayment. Bank withholding generally automatically deducts money from the bound bank card at 7: 00 on the repayment date. In order to avoid overdue due to unexpected uncontrollable factors such as system upgrade, it is recommended to take the initiative to repay in advance. Even if you don't take the initiative to prepay, it is recommended to pay attention to whether the deduction is successful on the repayment date, so as to communicate with the customer service of the loan in time. Wan Hui, a financial service company and lender, currently supports prepayment, but the loan fee will not be reduced. Users can also choose to settle all loans, but they must repay them in installments in order. Similarly, the loan cost will not be reduced or exempted.
Second, the consequences of Wan Hui's non-repayment
1. Telephone collection.
Wan Hui loans have no grace period for borrowers. If the borrower fails to repay the loan on the agreed repayment date, Wan Hui Lending Association will call the contact person for collection. Call the borrower first. If you can't get in touch, call your emergency contact and ask him to remind you to repay the loan.
2. Charge penalty interest.
In Wan Hui, if the repayment is not made on the agreed repayment date, it will be overdue and a late fee will be charged. For emergency loans, the daily late payment fee is charged at 1% of the total repayment amount, and for installment payment, the daily late payment fee is charged at 0.5% of the total repayment amount. For example, when applying for an emergency loan, the penalty interest of 1000 yuan is1000 *1%=10 yuan, which seems to be not low.
3. Be sued.
Being sued may be the most serious consequence. If the overdue nature is bad, such as maliciously defaulting on the loan, the amount is relatively large and the time is relatively long, then you will also face the serious consequences of being sued by Wan Hui and sentenced to jail for lending to the court.
Wan Hui Investment Management Co., Ltd. was established on March 20 14 12. The registered place is Unit 420 1 Room 0 12, Zhujiang East Road, Tianhe District, Guangzhou, and its legal representative is Chen, whose business scope includes social legal consultation; Legal representative; Software development; Internet commodity retail (except licensed goods); Investment consulting services; Housing lease; Retail trade of commodities (except licensed commodities); Marketing planning services; Enterprise's own capital investment; Information technology consulting services; Enterprise management consulting services; Corporate financial consulting services; Investment management office