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.
5. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.
Article 6 of the Supreme People's Court's Opinions on the Trial of Lending Cases by People's Courts
"The interest rate of private lending can be appropriately higher than the bank interest rate, and the local people's courts can specifically grasp it according to the actual situation in the region, but the maximum interest rate shall not exceed 4 times that of similar bank loans (including interest rate clauses). Beyond this limit, the excess interest will not be protected. "
Extended data
Precautions for online lending:
Everything is a double-edged sword, so is online lending. There are advantages and disadvantages, and there will always be some lawless elements who exploit loopholes and seek personal gain. Therefore, when making online loans, we need to pay attention to the following points:
1. Choose well-known banks and financial institutions. Well-known banks are guaranteed and have high credibility.
2. Don't be confused by "not interested". There is no free lunch in the world, and the same unpaid loan is risky.
3. Look at the terms of the contract. Before signing the contract, you should read all the terms clearly, and don't blindly agree or acquiesce.
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