If the online loan is not repaid, it will lead to the following consequences:
1. From the overdue date, the platform will collect overdue penalty interest on a daily basis until it is fully paid off, and the overdue penalty interest rate will generally be higher than the normal loan interest rate. . The longer the overdue period, the more penalty interest will be generated, and the more money to be repaid at that time, the greater the repayment pressure.
2. Overdue cases will be reported to big data by the system, leaving bad records, damaging personal credit and hindering subsequent loans. I am afraid that only by paying off overdue debts and repairing damaged credit can we borrow new loans smoothly.
3. The platform will continue to send text messages, calling for collection. If I can't reach myself, I'll call the emergency contact. Moreover, some platforms have obtained address book information, and it is estimated that they will call relatives and friends in the address book.
4. If the overdue time exceeds three months, the platform has the right. If the arrears have not been repaid, and the amount of arrears is large and the circumstances are serious, if the platform can't contact anyone, then it may be sued.
If you don't know the big data on your own network, you just need to search: Xiaotian Quick Check, click Query, and enter information in the applet to find your own 100-line credit data. However, with the establishment of Baixing Credit Information, almost overdue online loans will affect personal credit in the future. You must pay attention to your ability when borrowing money.
Extended data:
What are the consequences of online lending?
If you don't return it after borrowing it, it is overdue. Once overdue, it will lead to the following serious consequences:
1, resulting in overdue charges:
After overdue, the system will charge a penalty interest, and the interest rate of the penalty interest will generally be higher than the agreed interest rate of the loan. If the loan is not repaid, the longer the overdue period, the more repayment, and the greater the repayment pressure.
2. Affect personal credit:
The platform will report the overdue situation to big data, resulting in personal credit damage; If the lending institution of online loan cooperation accesses the central bank's credit information system, the platform is likely to report the overdue situation to the central bank for credit information, leaving a bad record in the personal credit information report, which will affect personal credit information.
3. Subsequent credit is frozen:
Because most of the information between online loans is interoperable, and then go to other platforms to handle online loans, once the platform finds bad records in big data, it is likely to refuse to approve loans; In addition, if the credit report is overdue, then going to a bank or other licensed consumer finance company to handle credit business will also be hindered by credit problems.
Can I not repay the online banking loan?
Is not allowed. If the loan is not repaid, the following consequences will occur: 1. Lending institutions will urge the loan to be received in accordance with the law. According to the loan contract and guarantee contract (mortgage or pledge contract), the loan bank will take measures such as property preservation, including freezing the deposits in all bank accounts of you and the loan guarantor and sealing up the pledged property. After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, and all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property. Your credit will be affected. If you take the company as the borrower, your company will be recorded in the national bank credit information system, and the loan in your personal name will also be recorded in the national personal credit information system for overdue loans. If the lending bank doesn't erase your records, you may not be able to get loans from all banks in the future. 3. If you provide false information or false materials when you borrow money, the lending institution may sue you for the crime of loan fraud. If the fraudulent loan is true, you may be sentenced for a crime.
Can't the online loan be repaid?
1, no.
2. Usually, non-payment of money belongs to civil affairs and does not rise to the criminal level. However, if the borrower refuses to implement or has the ability to repay, and insists on defaulting, then the borrower can be investigated for criminal responsibility, and if the circumstances are too serious, he will go to jail.
3. Both banks and online loans have their own collection systems. Novices will text you and call you for money. In some serious cases, there will even be a collection staff pressing you around the clock, seriously disrupting your work and life. The average person can't stand this kind of "spiritual oppression".
Extended data:
Does online lending belong to it?
1, online loans do not necessarily belong to.
2. If the interest of online loan exceeds 4 times the quoted interest rate of one-year loan market, the debtor may refuse to repay the excess interest without legal protection. However, the principal and legitimate interest must be repaid, and the law does not prohibit some debtors from voluntarily paying more. If no interest payment is agreed in the online loan contract, it shall be deemed as no interest.
Peer-to-peer lending cannot repay the loan.
No, you need to pay the loan in time. Lenders of online loans should actively fulfill their repayment obligations. If the online loan is not repaid, the loan platform can file a civil lawsuit with the people and ask the borrower to repay. After the judgment, if the borrower still fails to fulfill the repayment obligation, it will take measures such as freezing the account and being included in the untrustworthy list; Those who maliciously evade debts may be suspected of criminal offences and will be investigated for criminal responsibility according to law.
What would happen if peer-to-peer lending didn't happen?
Loans will have many consequences. If it is a loan connected to the central bank's credit report, it will be displayed on the personal credit report, which will affect the application for credit cards and loans in the future. In addition, it will face the following consequences:
1, dunning, overdue online loans will always be dunning, and life and work have been greatly affected.
2. Being pulled into the "list of untrustworthy people", if the loan is not repaid all the time, the loan platform can apply to, so that the lender will be pulled into the "list of untrustworthy people", which will affect his future travel. Some high-speed trains, planes, train sleepers, etc. There are also some high-end places that are restricted.
3. If the property is frozen or sealed up, the bank deposit is frozen, and the house and car under its name are sealed up.
4. The online loan with high interest has been overdue, which will only lead to higher and higher interest, and finally bear high interest.
5. If it is serious, it will be criminal. If the online loan is overdue and the amount is large, it may involve crimes and then be criminally detained.
Legal basis:
Article 671 of the Civil Code of People's Republic of China (PRC), if the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.
Can I not repay the loan?
No, if the loan is not repaid, it will affect the credit investigation. Later, I will go to other places for loans and go directly to the blacklist. It doesn't matter if you want to return it. Since there is a loan, you should pay it back as a high-quality person. Instead of insisting that it is not good to owe money, then this kind of thing is boring. Integrity-based, and loans still have to go to formal channels, such as banks. It is recommended not to go online, and the interest is high.
Suggesting ability or reward. There is nothing wrong with borrowing money to pay back the money. The problem online loan explodes the address book and lets them go through legal procedures. Don't go, don't return. Legal online loans can be negotiated normally or as far as possible. Threaten violence and let him go through legal procedures, otherwise he will not pay it back.
Pay back the money you owe.
You don't have to pay it back. As long as you can handle all the collections and stick to them for a year or two, no one will ask you for them, but you may have overdue records in your credit report.
It is definitely not possible to support loans with loans. If you borrow an online loan, the repayment method is to use the money you earned to stop the online loan, because the interest on online loans is very high, which can reach about 30 per year and double in three years.
If you have to use loans to support your loans, the correct way is to replace high-interest online loans with low-interest online loans, so that it is possible to reduce your debt. If you change a low-interest loan into a high-interest loan, or change it into a settlement, it will be useless and the debt will increase.
Therefore, online loans are generally not borrowed, let alone supported loans. It is best to be able to do many things, don't spend in advance, don't overdraw the future, and use your money within your ability.
What IQ? People run charity halls. Even if it is, it must be repaid at bank interest. There is no law in this country that says you can not pay back a penny. Do not daydream.
You don't owe it!
If you owe it, avoid continuing to owe it first.
Second, try to pay back the money.
As long as you work hard, you can pay off what you owe.
If there is really no source of income, you can discuss it with the bank and pay it back in several years. As long as you pay it back, no matter how long it takes, the bank can discuss it.