CMA loans will also have the following effects:
1. If the borrower fails to repay the loan after debt collection, it will generate a certain penalty interest and cause a bad credit record for itself.
2. The unpaid bank has the right to forcibly deduct money from the user's bank account or cash. If the loan is not enough, it will be handled by the central bank, which will adjust the user's forum authority and expand the points of mortgage loans.
3. If the bank forcibly repays the loan, if it is deducted from the deposit, the bank will not pay the deposit interest for the members, and the deposit interest will be calculated after the loan is paid. At the same time, banks have the right to recover loans on a regular basis without paying interest.
4. If the borrower fails to repay the loan, the bank will send relevant staff to collect the debt in person.
Banks will take legal measures to protect their rights and interests through laws. If the borrower applies for a mortgage loan, the collateral will be auctioned by the court, and then the proceeds from the auction will be used to repay the loan.
What will happen if Dafei doesn't pay back the money?
Duffy Cloud Loan is a mobile client APP that provides a variety of financial information intermediary services. Developed and launched by Duffy Cloud Loan Technology (Beijing) Co., Ltd., it relies on big data risk control system to conduct credit review and establish cooperative relationship with China Financial Certification Center (CFCA).
The loan needs to be repaid in full and on time according to the contract. If you are in loans overdue, it will not only generate liquidated damages and interest, but also affect your personal credit information. If it is overdue for a long time, it will be collected by the loan platform, and serious legal measures may be taken against you. I suggest you repay the loan on time. For details, please consult the official customer service of Dafeiyun Loan, which is subject to the official Dafeiyun Loan.
Reply time: 202 1-08-3 1. Please refer to the latest business changes announced by Ping An Bank in official website.
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What will happen if CMA doesn't repay in installments,
1. The personal credit information system of China People's Bank recorded the overdue loan.
At present, most formal and legal online lending platforms are connected to the personal credit information system of the People's Bank of China. Once the online loan is overdue, the online loan platform will report the overdue record to the credit information system of the People's Bank of China. Once the credit is seriously overdue, it becomes a black household (the online loan is overdue for more than 3 months), and all bank loans, credit cards and credit information online loans cannot be done.
2. High overdue fines
Overdue online loans will not only be recorded by credit information, but also have high overdue fines. Generally, the late payment fee for online loans is 0.5 ‰ per day, that is, 1 0,000 needs 5 yuan interest for one day, and 1 for one month, 50 yuan will also bear interest. When the court finally forces you to repay, these late fees add up to a huge sum of money, which is really not worth the candle.
Third, undertake the fancy collection of the platform.
The collection is generally divided into three stages: the first stage, just a few days after the overdue, the platform customer service MM will gently remind you that it is overdue, please repay it on time; In the second stage, if it is overdue for a long time, the platform customer service will seriously warn that the threat of overdue will face serious consequences; In the third stage, it was overdue for a long time, and the platform stopped trying to convince the other party and began to take practical actions.
There are many practical actions, such as: the platform pushes your arrears information to your relatives and friends, which makes you lose face in the circle of friends; The platform arranges special collection personnel to collect money at home and communicate face to face to collect accounts. Of course, these are still relatively mild. Some platforms outsource collection, and special collection companies collect them. The collection company "violent collection" that broke out some time ago believes that borrowers are not willing to encounter it.
Fourth, people with serious circumstances will go to jail.
Usually, this kind of non-repayment of money is a civil dispute and has not risen to the criminal level. However, if the borrower refuses to perform or has the ability to repay, and insists on default, then the court can investigate the criminal responsibility of the borrower, and if the circumstances are too serious, he will go to jail.
Extended data:
2065438+08129 October, 18 The first batch of borrowers of peer-to-peer lending platforms maliciously evaded debts and were included in the central bank's credit information system, and were punished for breach of trust, involving an overdue amount of nearly 200 million yuan.
The so-called malicious evasion of debts refers to the act of being able to repay, but not fulfilling the obligation to repay. Since the development of online lending 10 years ago, malicious evasion of debts has always been a chronic disease in the industry. Especially recently, some P2P online lending institutions have frequent risks, and some borrowers have taken the opportunity to maliciously evade debts and fail to pay them back within the time limit, which has aggravated the risks in the P2P online lending industry.
The insiders believe that it is not only conducive to urging borrowers to repay their debts in time, but also conducive to purifying the internet financial environment by incorporating the information of malicious debt evasion in the internet finance field into the credit information system and taking measures to punish dishonesty. With the gradual implementation of the regulatory policies of the entire online lending industry, the situation of malicious evasion of debts and malicious running of the platform will be greatly reduced, and the online lending industry will develop more healthily.
References:
Baidu encyclopedia-online loan
What happens if Dafeiyun doesn't owe money?
1. The repayment pressure of overdue fees has increased.
Arrears will not cause additional costs. When you repay later, you should not only repay the principal and interest, but also pay the liquidated damages, which undoubtedly increases your repayment pressure.
2. Affect your personal credit record.
If there is a stain, if there is a stain, a credit report will be made at the meeting. If you want to borrow money from other loan companies, you can't. Not only that, if you handle other loan business or other real-name registration system registration business, it will also have an impact.
3. If the circumstances are serious, it will violate the law.
Small loans are not civil disputes, and they usually do not go to court. However, if the party refuses to implement it, it will rise to the level of illegal crime, and criminal responsibility will be investigated for bad behavior.
Extended data:
According to the Regulation on the Administration of Credit Information Industry, bad information refers to the following information that has a negative impact on the credit status of the information subject: information that the information subject has not fulfilled its obligations in accordance with the contract in activities such as borrowing, buying on credit, guaranteeing, leasing, insurance and using credit cards; information that the information subject has been subject to administrative punishment; information that the people's court has judged or ruled that the information subject has fulfilled its obligations and been enforced; and other bad information as stipulated by the supervision and administration department of credit information industry in the State Council.
The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
According to the relevant person in charge of the Credit Bureau, the personal credit report is an objective record of personal credit history, which records personal loan repayment, contract performance, law-abiding and other information, including both positive information of timely repayment and overdue information of failure to repay in full and on time. At present, the personal credit status is mainly recorded in the Credit Information Center of the People's Bank of China, and the inquiry is provided to me in the form of a credit report.
Personal credit report has nothing to do with the restrictions such as "ticket purchase, accommodation, children going to school" in the online text. The faithless announced by the Supreme People's Court will be subject to various restrictions, such as restrictions on flying, soft sleeper trains, high-speed rail, high-cost accommodation in star-rated hotels, and children attending high-cost private schools. The Supreme People's Court has a clear definition of "the person who has broken his promise", which is different from people with bad credit records.
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