The consequences of not paying off the loan debt are: 1, bearing overdue interest; 2. Lender; 3. Those who still don't repay after the judgment will be included in the list of dishonesty and limit high consumption. According to Article 675 of the Civil Code, the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.
Legal analysis: the consequences of not paying off the loan debt are: 1, bearing overdue interest; 2. Lender; 3. Those who still don't repay after the judgment will be included in the list of dishonesty and limit high consumption. According to Article 675 of the Civil Code, the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time. Article 676 stipulates that if the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations. What are the consequences of the loan? Some people feel that they don't have to pay back the loan, even if they don't, they don't have to bear any responsibility. In fact, loans still have a great impact. 1, overdue fees and increased repayment pressure. If you borrow a loan, there is a certain time limit. If you don't pay it back within this period, there will be overdue fees or liquidated damages. Therefore, when you repay later, you should not only repay the principal interest, but also add liquidated damages, which undoubtedly increases your repayment pressure. The gain is outweighed by the loss. 2. Affect the borrower's credit index. If you don't repay the loan on time, it will be a stain on your credit. If there is a stain, you certainly can't borrow money from other loan companies. Not only that, if you handle other loan business or other real-name registration system registration business, it will also have an impact. 3. Assets have been closed. If you don't repay on time, it's fine if the amount is small, but if the amount is large, the loan company may pay you and then seal up your assets, so all your funds will be frozen, which will have an impact on your life. If the circumstances are serious, it will violate the law. Generally speaking, non-repayment is a civil issue and will not be litigated. However, if the parties refuse to implement it, it will rise to the level of illegality, and those who behave badly will be investigated for criminal responsibility.
Legal basis: the consequences of not paying off the loan debt are: 1, bearing overdue interest; 2. Lender; 3. Those who still don't repay after the judgment will be included in the list of dishonesty and limit high consumption. According to Article 675 of the Civil Code, the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time. Article 676 stipulates that if the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.
What are the consequences of not repaying the loan?
1. What will happen if online loans have no money? Let's take a look at what will happen if we don't owe online loans: 1. Loans that do not pay penalty interest and liquidated damages will first encounter high penalty interest. On the basis of penalty interest, some financial institutions need you to pay liquidated damages. These expenses add up to an expensive expense. If you don't want to get stuck in the loan quagmire, you must develop good repayment habits. 2. Credit damage If you borrow from the online lending platform and fail to pay it back within the time limit, the credit report will be tainted. It will be even more difficult to apply for credit cards and loans in the future. Because of petty profits, it is not worth the loss to miss your credit wealth. Some people say that the loan I took from the online loan will not be included in the central bank's credit information. Needless to say, online loans and central banks are now more interconnected. Even in the online lending circle, there is an exclusive "blacklist" system. If one family doesn't pay back, it will be difficult to approve other loans. 3. Collect in various ways. Both banks and online loans have their own collection systems. Novices will send you text messages and call for money. In some serious cases, there will even be collectors harassing you around the clock, which will seriously interfere with your work and life. The average person can't stand this kind of "spiritual oppression". 4. Yes, assets may be seized. Maybe you are very resistant to pressure, and think that all the consequences mentioned above are caused by the rain in Mao Mao. Then financial institutions will not be polite to you. They should take out secret weapons and arm themselves with laws. Once the court makes a verdict, even if you are reluctant, you must execute the Repayment Decision, otherwise the property under your name will be sealed up according to law, and the proceeds from the auction will be used to repay the arrears. 5. If the circumstances are serious, you will go to jail. Generally speaking, such incidents as borrowing money and not paying it back are civil and will not rise to the criminal level. However, if the borrower refuses to implement it, it will be considered as a deadbeat and would rather run away than pay back the money. If the circumstances are very bad, the borrower will be investigated for criminal responsibility, and if it is too serious, it will go to jail. It can be seen that online loans can still be filed. Second, the sentencing standard for online loans is less than five years, and the sentencing loan for criminal detention is more than 1 10,000 yuan and less than10.4 million yuan. The benchmark punishment is criminal detention; 1.4 million yuan, and the benchmark sentence is six months; For every additional 600 yuan, the sentence will be increased by one month. Sentencing for more than five years but less than ten years (1) If the loan is fixed at more than 40,000 yuan but less than 50,000 yuan, it shall be deemed as "other serious circumstances" under any of the following circumstances. The loan is 40,000 yuan, and the benchmark sentence is five years; For every 800 yuan increase, the sentence will be increased by one month; For each increase, the term of imprisonment is increased by six months: (1) bribing the staff of a bank or financial institution for the purpose of defrauding loans, and the amount is relatively large; (two) squandering loans or using loans for illegal activities, resulting in loans that cannot be repaid at maturity; (three) concealing the whereabouts of the loan and refusing to repay it after the expiration of the loan period; (four) to apply for a loan by providing false guarantee, and refuse to repay it after the expiration of the loan period; 5. Apply for a loan in the name of another person and refuse to repay it after the loan term expires. (two) the loan is less than 50 thousand yuan, and the benchmark punishment is five years; For every increase of 3,500 yuan, the sentence will be increased by one month; Every time one of the circumstances specified in the first paragraph is added, the sentence is increased by six months. /kloc-sentencing for more than 0/0 years (1) If the loan is more than 6,543,800 yuan and less than 200,000 yuan, it shall be deemed as "other particularly serious circumstances" under any of the following circumstances. If the loan is 6.5438+0.6 million yuan, the benchmark penalty interest will be ten years; For every additional 4,000 yuan, the sentence will be increased by one month; For each increase, the sentence will be increased by one year: (1) bribing the staff of a bank or financial institution for the purpose of defrauding loans, and the amount is huge; (2) absconding with money; (three) the use of loans for criminal activities. (two) the loan is less than two hundred thousand yuan, and the benchmark sentence is ten years; For every increase of 6,543,800 yuan, the sentence will be increased by one month; For each case listed in the preceding paragraph, the term of imprisonment will be increased by one year.
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What will happen if the loan is not?
1. Penalty interest: Generally speaking, when the mortgage is not repaid, the bank will first urge you to repay the mortgage as soon as possible. If you can pay off the mortgage within the specified time, then the bank will only add some penalty interest.
2. Loan recovery in advance: Once you don't repay the mortgage, the bank has the right to recover all the remaining loans in advance.
3. Impact on personal credit: If the buyer is overdue for many times in the repayment process, it will affect the personal credit of the buyer.
What will happen if the loan is not?
Under normal circumstances, non-repayment has nothing to do with the family, but it may affect the life of the family.
1. If everyone fails to repay the loan, the financial institution will definitely arrange staff to collect the loan. Generally speaking, telephone calls, text messages and door-to-door collection methods are inevitable. In the process of financial institutions collecting loans, the normal life of everyone and their families will inevitably be disturbed.
2. Some lending institutions will call the borrower's family and friends when the borrower's loan is not repaid. In this way, the normal work and life of family and friends will be affected. In addition, things that people owe money and don't pay back will also make their families lose face.
3. If the financial institution takes the borrower to court, it is very likely that everyone will be included in the list of untrustworthy people. Once everyone becomes a "Lao Lai" who is shouted by everyone, then the family will be in trouble, because the children of Lao Lai can't go to high-priced schools.
Extended data
First of all, if it is overdue, depending on the length of time, it will have an impact on your credit information. If it is seriously overdue (more than 90 days), the credit investigation is a black account, and you cannot apply for any loan business before it is paid off. Secondly, it will cause additional expenses such as liquidated damages and overdue interest. Long-term overdue is nothing new, and the final interest is greater than the principal. Please be careful.
What are the consequences of the loan money?
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 lender fails to perform the judgment within the performance period after winning the case, it will apply for enforcement.
3. When compulsory execution is accepted, the lender's property, vehicles, securities and deposits will be inquired according to law.
4. If the lender has no property to enforce, refuses to perform the effective judgment, overdue repayment and other negative information will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.
What are the consequences of borrowing money?
1. Consequences of non-repayment of loans at maturity:
2. 1. The borrower needs to pay the corresponding liquidated damages or penalty interest according to the contract.
3. Second, bring a lawsuit. If the borrower fails to pay back the money, the lending institution may bring a lawsuit. If the borrower loses the case, he will not only face the auction of assets to pay off debts, but also bear legal fees, preservation fees, execution fees and attorney fees. If your house is not enough to repay the bank loan after the auction, the bank has the right to freeze your bank property. If the borrower refuses to repay the loan, it may be blacklisted. Generally, the person subjected to execution is blacklisted to restrict consumption.
4. Third, personal credit information is affected. Now many lending institutions are connected with the credit information system of the People's Bank of China, and the credit stain of borrowers' non-repayment will soon be uploaded to the credit information system of the central bank, so it will be very difficult to borrow through other lending institutions.
5. Legal basis
6. According to Article 2 of the Provisions on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases, the lender shall provide creditor's rights certificates such as IOUs, receipts, IOUs, and other evidence that can prove the existence of the legal relationship between lending and borrowing.