Banks usually don't tell you about loan cuts, but there are many signs to follow. The immediate response after discovery can not change the bank's decision, but at least it can avoid the crisis of sudden death due to loan suspension. Once it is repaid, the loan will not be renewed. At this time, I'm afraid even the local pay is difficult to recover. Moreover, once the news of the loan spreads, all creditors and other banks will come to collect debts, and there will be nothing they can do.
What you can do now is to ask the bank to keep secret, and at the same time, sell the assets immediately and withdraw the funds in order to tide over the crisis as soon as possible. The bank can't spit out what it has taken back. Let's die!
I am an empty valley in the colorful world, and I want to share my views with you.
Your loan amount should be very large, right?
Generally, this situation is rare, unless you default on other loans or the company's business shrinks sharply. Generally, it is not returned when it is due. Large loans usually last for one year, about two months before maturity. You should handle the extension of the loan.
Method 1: When the same bank renews its loan, it generally knows the top management of the bank and is responsible for listening to the person in charge of the loan department, right? Prepare information in advance, apply for loan renewal before maturity, and the bank will carefully review the information you submitted before approving the loan. If there is any problem, you will be informed to modify it until the conditions for loan renewal are met. And will tell you whether you can renew the loan.
At this time, you should prepare the funds in advance to repay the loan due. You can get funds from other bridge companies (loan sharks) or friends, and the bank will re-issue loans to you as soon as you get them. After receiving the account, I will also cross the bridge company.
Method 2: Change the loan from another bank to repay the loan when it is due, and find the bank loan business department to discuss the loan matters. Prepare materials and collateral. For yourself or your family or friends, the value of collateral must be greater than the loan amount (collateral value is 0.6 loan amount), and the loan will be paid off at maturity.
Third, if the bank fails, it can only find other financial companies to obtain loans in the form of financial leasing, depending on the company's fixed assets or large equipment.
It is very common for banks to borrow and break loans. Let me tell you something about flying knives.
Loans in banks, especially large loans, will cause great problems and even lead to bankruptcy once they are not passed.
Fei Dao knows a boss. During the period of bank credit expansion, many banks gave 30 million loans. Later, many banks cut off loans and the loans dropped to 5 million. The boss almost went bankrupt.
1. The loan was cut off due to customer's reasons, such as customer's credit decline and legal disputes.
Every time a bank withdraws money, it will make a risk assessment. Check credit, court and business information.
If risks are found, the loan line will be terminated.
Therefore, maintaining a good credit record and profitability is the key.
2. The loan suspension caused by external reasons also has non-customer reasons:
For example, the central bank tightened monetary policy, resulting in tight credit lines. Or the superior department sends a "risk warning letter". In 20 14, steel trading enterprises were very risky, all banks received loans from steel trading enterprises, and many formal steel trading enterprises were also greatly affected.
For example, on 20 15, there was a batch risk in small and micro joint guarantee loans, and all banks withdrew, which led to greater operating pressure for some enterprises.
3. How to prevent loans A. Maintain credit relations with many banks.
The credit policy of each bank is different, and it is necessary to maintain credit relations with many banks. Generally speaking, large state-owned banks+national joint-stock banks+small banks. This combination is possible.
B, pay attention to your own credit changes
In case of major events, such as the failure of a large lawsuit, you should contact the loan bank in time. Don't hide it.
C. Contact as soon as possible before renewing the loan.
One month before the loan expires, you need to contact the loan bank to renew the loan so as not to be too late.
Regarding the renewal of loans, the regulatory authorities encourage "renewal of loans without repayment". Some banks have self-service operations. That is, when the loan expires, the mobile banking will be automatically extended for one year directly, and a loan can be used for ten or even decades. Bank credit means lending you money and not lending you money.
There's nothing unusual. Check it if you don't believe me.
Therefore, treat the smiling face of the bank rationally, borrow less if you have money, and save more if you have no money.
Everyone will do the icing on the cake, and no one wants to do it.
In the eyes of banks, giving charcoal in the snow is a high-risk investment.
Generally avoid risks, they will choose to avoid and not borrow.
Now, try to save money!
Let a senior financial adviser answer your question:
First of all, let's talk about the problem of loan suspension and loan withdrawal. If you mortgage normally, the bank will not suspend or withdraw the loan. Even if you are overdue, unless it is time to renew the loan, you will not renew the loan with you because you have too much overdue repayment.
Secondly, if you get a loan, you can directly lend it to real estate, securities companies, and even banks to directly transfer loans. This will be a little troublesome. If your loan is zoned, it may be very troublesome. If you borrow money from an intermediary company, you won't be so troublesome. The agency will take care of it for you. It can basically help you solve problems, so you don't care so much about many things.
There are many ways to deal with loans, so there is no need to worry and panic. There is no problem that cannot be solved. Because there are more professional people around you who can solve your problems at any time. Pay attention to me and explain more financial knowledge to you.
At the mention of this word, borrowers gnash their teeth, and some even go directly to the bank to make trouble: "As soon as your principal is repaid, the bank will not lend money. Have you ever thought about how difficult it is for us to do some business? " The state has applied for many times to support small and micro enterprises, but your bank is still so afraid of complaints? "
I'm really not afraid. ....
Step by step to implement the policy, in fact, the borrowers are very clear about what happened to the money they borrowed.
What is the reason for borrowing?
First, the borrower's credit information has changed.
Borrowers in this bank or other banks are overdue, credit loans are borrowed by many people, credit is too high, and legal disputes occur in enterprises, which will lead to the recovery of loans.
Second, the borrower's operation is abnormal.
The abnormal operation mentioned here not only refers to the fact that the annual report of the enterprise can't be uploaded, but is listed as abnormal operation by the industrial and commercial bureau, but is caused by many factors. Many banks will require enterprises to change their settlement places in Gong Hu to banks when borrowers apply for operating loans, so as to better grasp the risks of borrowers. Falling profits, high inventory and long account period will all lead to early warning of bank risk control, and loans will naturally be drawn. Then illegal use of commercial loans, real estate speculation, stock speculation and other purposes prohibited by banks will lead to the recovery of loans.
Third, national policies.
This year, the state's supervision of the real estate industry has increased, and banks are naturally cautious about lending to real estate development companies. Even well-known housing enterprises such as HD and WD, banks are on pins and needles (refer to the events of HD and Wuxi Guangfa some time ago). There are also enterprises affected by trade wars, such as those affected by government tax assessment policies. There is great uncertainty in such enterprises, and banks generally choose to quit first and wait and see for a while.
Fourth, the manufacturing industry with overcapacity.
For example, manufacturing industries such as clothing, steel and printing are prone to overcapacity. For such enterprises, banks will adjust the total amount of credit every year. If not, it will be very uncomfortable to be downgraded by the bank.
Fifth, banks can't get extra income.
In fact, this is a phenomenon that tax borrowers often encounter. After obtaining tax loans from banks, many borrowers will definitely not pay Gong Hu a penny, and they will become "sleeping households" unless they repay the loans. Since the bank can't get extra income from you, it is natural to pay you back, so as to give the amount to the borrower who can create income.
If this is the only loan available, I'm afraid you have other loans. If it is cut, it must be a high risk of systematic comprehensive evaluation. There are too many such things this year.
You should know better than the bank that you have no head or tail. Why did you refund the loan and why didn't you renew it? You have no head or tail, and our audience can't understand you. Is there something wrong with your credit record, or the external guarantee debt has increased a lot, or the private lending has been known by the bank, and the credit loan has been recovered, most of which involve credit investigation or litigation, and the mortgage loan is not renewed. You must have many reasons. As for what to do now, the mortgage is mortgaged.
Ma Yun said: Banks in China are auxiliary, and banks are highly concerned about risks. If something goes wrong with your enterprise, it will be out of control; If the relationship between banks and enterprises is not good, change banks.
In recent years, China's economy has been adjusted and its market has been in a downturn. Countless people have finished their business, and countless people have closed their companies. Nearly 20 million people have been played as lazy people. The epidemic in 2020 made the enterprise worse, and many people's lifelong efforts were destroyed in an instant.
Tomorrow will be better, tomorrow will be better!
Senior credit manager to answer and coordinate the fishing village.
Banks are commercial organizations, and loans generally give priority to those with high risks and low returns.
Pure credit loans without mortgage are risky. If the enterprise itself encounters poor management or increased industry risks, and its repayment ability is insufficient, it is generally the most prone to loan withdrawal.
Relatively speaking, there is real estate as collateral. In particular, loans with full mortgage of real estate will be repaid on time and will hardly be borrowed by banks. Even if the bank has a loan, it can continue to borrow from another bank at will, and the real estate mortgage loan has strong communication.
At present, all banks are responding to the state's implementation of "non-principal renewal loan", but the premise is that the enterprise's production and operation are normal, its financial status is good, its credit status is good, its repayment ability and willingness are strong, and there are no bad behaviors such as default on loans and interest.