1. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay by installments.
2. If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement.
3. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits in the name of the lender according to law.
4. If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even lead to judicial custody.
When it is used, the credit is granted for two years at a time, and the loan time is one year.
Treatment conditions
One. Only people who know the loan officer of the credit union can handle it.
Two. Chenggu's credit standard should be mortgaged with at least 300,000 materials.
Three. Need to have a good personal credit record.
Bidding procedures
Submit an application-review and evaluation-get a card-confirm the credit limit-sign a contract-use the loan.
function
The loan use function of Father Lejiaka refers to the management principle of "one-time approval, loan with use, balance control and recycling". The borrower uses the loan and repays the loan principal and interest on the counter and self-service equipment of any rural cooperative financial institution in the province with his father Le Jia card.
interest rate
The maximum loan amount of Father Le Jia Card is RMB 200,000, and the loan interest rate is determined by the county (district) association.
password
The password of father Le Jia card is divided into inquiry password, payment password and loan use password. The inquiry password is used for customer telephone inquiry; The payment password is used as the key password for the cardholder to pay; The loan password is used for the borrower to transfer money to the deposit account corresponding to his father Lejiaka. All passwords must be properly kept.
Query information
Borrowers can check the credit line usage information and deposit and loan account information through the counter, self-service equipment and "10 106262" customer service telephone.
Product introduction
Father Lejiaka belongs to Shaanxi Credit Cooperatives' father series card products. It not only has the basic functions of father series cards, but also has the functions of loan use and debt service. It is a new bank card financial service product developed by Shaanxi Credit Cooperative in time to meet the requirements of rural financial service innovation under the new situation, and to further improve and strengthen the micro-credit loans of farmers, effectively solving the problems of difficult loans, complicated procedures and inconvenient use of farmers.
target customer
According to the management method of Father Lejiaka, the pre-loan review is completed, and customers who have obtained the credit qualification of Father Le Jia Card can issue Father Le Jia Card.
Functional characteristics
1. Use the credit line.
Cardholders can issue loans or repay the principal and interest of loans at any outlet of Shaanxi Credit Cooperatives with Fuqin Jiale Card and valid identity documents, and the credit line is valid for up to two years.
2. Interest rate and interest rules.
A set of interest rates (including within 6 months (inclusive), 6 months to 1 year (inclusive), 1 year to 3 years (inclusive), and 3 years to 5 years (inclusive)) are determined when signing or extending the credit contract in the credit system. According to the management principle of "one-time approval, loan with use, balance control and recycling", Father Le Jia Card can handle loan issuance and repayment of principal and interest according to customers' needs within the credit line, and charge loan interest according to the actual loan balance and loan days, which can be repaid through loans within the province.
3. Use channels.
During the credit period, the cardholder of father Le Jia can apply for a loan or repay the principal and interest at any branch counter of Shaanxi Credit Union with his father Le Jia card and valid identity documents, or apply for a loan or repay the principal and interest through self-service channels such as personal online banking, self-service terminals, telephone banking and wireless POS loan collection machines.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.