Loan expiration:
1, 1 month did not pay the bank will incur penalty interest;
2, 1 month (more than 30) the bank will have a text message notification;
3, 3 months (90 days) the bank will be notified by phone or door-to-door collection;
4, more than 6 months the bank will be prosecuted in the court, there will be a court summons sent to the borrower's home,
3, in the case of a trial, the borrower's home, and the court will be sent to the borrower. The borrower's home, the day of the court whether the borrower is present, the court will freeze the borrower's mortgage to the bank collateral, and then auction, the proceeds of the auction of collateral, will be used to repay. If the proceeds of the auction are greater than the amount owed, (amount to be paid by the borrower = principal interest, late charges, court costs, attorney's fees, etc.), then the excess will be returned to the borrower. There are very few cases where there is excess money out there though.
Two, loan notes
1, do not use the CPF before applying for a loan. If the borrower withdraws the CPF storage balance before taking out the loan to pay for the house, then the CPF balance in your CPF account will be zero, so your CPF loan amount will also be zero, which means you will not be able to apply for a CPF loan.
2. Don't pay off your loan early within the first year of borrowing. According to the relevant CPF loan regulations, partial early repayment should be made after one year of repayment, and the amount you return should be more than 6 months' repayment.
3. Don't lose your loan contract and debit notes. When you apply for a mortgage loan, the loan contract and debit note signed between the bank and you are important legal documents. Since the loan period can be up to 30 years, as a borrower, you should take good care of your contract and debit notes.
4, loan repayment difficulties do not forget to look around the bank. When your ability to repay debts declines during the borrowing period and you have difficulties in repaying the loan, don't tough it out on your own. ICBC customers can apply to ICBC to extend the borrowing period, after the bank investigation is true, and there is no default on the loan principal and interest, ICBC will accept your application to extend the borrowing period.
5. Don't forget to inform your obligations when you rent out your home after taking out a loan. When you rent out a mortgaged house during the loan period, you must inform the lessee in writing of the fact that it has been mortgaged.
6, don't forget to revoke the mortgage after the loan is paid off. When you pay off all the loan principal and interest, you can go to the real estate transaction center in the district or county where the property is located to revoke the mortgage with the bank's proof of loan settlement and other rights of the mortgaged property.
In short, the most severe legal consequences of not paying back the car loan is that the court will be forced to enforce their own legal property, the car in the case of a loan is equivalent to also be registered as a mortgage. So, if you don't pay back the car loan, you will end up in a situation where you have no money and no car. The life left a bad credit record, the future is not likely to have any chance to get a loan, so the young people sometimes can not consume without thinking clearly about the consequences.
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Declaration: the above content by the relevant authors of the combination of policies and regulations organized by the release of the contents of the content of the error can be contacted through feedback deleted
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Identity card in 2018 expires in 2023, ID card in 2023, how many years validity, I'll be only 19 years old in 2023, and I'll be only 14 years old in 2018
[Lawyer's reply]1, ID card is about to expire, 2 to 3 months ahead of time can be; if there is What emergency can apply for a temporary ID card.2, the implementation rules of the resident ID card regulations, article 15, citizens should be in the resident ID card validity expiration date of 3 months before the declaration of the replacement of the new card, the household registration authority should be in the old card validity expiration date will be the new card issued to the person.3, the "People's Republic of China **** and the State ID card law" stipulates that the citizen can in the ID card expiration date of the expiration date of the ID card before the application for a replacement of the ID card 3 months. Second-generation ID card replacement detailed process: 1, the replacement of the premise: the expiration of the validity of the resident ID card, the citizen's name change or serious damage to the document can not be recognized. (Which if due to the expiration date to the replacement only need to pay 20 yuan, and due to loss, damage and other reasons for the replacement of the card need to pay 40 yuan). 2, the replacement of the card in advance of the time: for the second generation of ID cards, the public security organs should be since the citizen to submit the "Resident Identity Card Application Registration Form" within sixty days from the date of the issuance of resident identity cards. 3, the change: in the country, the new replacement of second generation of ID cards need to be fingerprinted.
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If from 2023 when the army began to 2026 can get how much money
[Lawyer Reply]Veteran's discharge fee components are many, different military service, different types of military service, different regions, and different personal situations are not the same. Just to tell you, in addition to some other costs, the service period of less than 12 years of soldiers, no longer responsible for the work of the resettlement, the one-time retirement payment is based on each year of service 4500 yuan issued. The conscript is two years of service, then it is 9 thousand dollars. A non-commissioned officer is five years of service, then it is 22,500 yuan. The local civil affairs bureau feels the local situation discretion to send, generally according to the standard with the troops, that is, another 4,500 yuan per year. The armed forces do not give money.
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Then I did my ID card in 2018 to expire in 2023, I'm only 14 years old, then in 2023 I'm 19 years old, how many years is the validity of the ID card
[Lawyer's reply]According to the "Chinese People's Republic of China*** and the State of the Resident Identification Card Law" limited to the less than 16 years old citizens, voluntarily apply for a Resident identity cards are issued with a validity period of 5 years. the validity period of resident identity cards for citizens over 16 years of age is 10 years, 20 years, and long term. for those between the ages of 16 and 25, resident identity cards are issued with a validity period of 10 years; for those between the ages of 26 and 45, resident identity cards are issued with a validity period of 20 years; and for those over the age of 46, resident identity cards are issued with a long term validity. Citizens should apply for a resident's identity card from the public security organ in their place of permanent residence within three months of the date on which they reach the age of 16. Citizens who are less than 16 years old shall have a janitor apply for a resident's identity card on their behalf
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Joined the work in 1980 to the age of 60 in 2023 is now 4 years short of social security is not paid by the time you can retire there is a pension?
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The termination date of the labor contract was written incorrectly, it was originally terminated on 2023.12.31 written as 2020.12.31, the contract is three years, the probationary period in the contract expires on 2020.10.9, the contract is to go to work for eight hours a day, with a double holiday on weekends, and the overtime shall not exceed three hours a day. Overtime shall not exceed three hours a day, a month shall not exceed 36 hours, the actual is often six or seven hours of overtime work every day, double breaks are not, you can resign without compensation for breach of contract, or you can resign to claim compensation for the company.
[Lawyer reply] termination of labor contract notice notice date should be handled on the day of leaving the resignation and leaving the process is: 1, in principle, employees should be thirty days in advance, three days in advance of the probationary period will be a written "resignation report" to the personnel administration department, and get the separation procedure table. Personnel Administration Department of the departing employee for exit interviews, to understand the reasons for their departure and make a record. 2, in accordance with the separation formalities table for the relevant procedures: (1), the departing employee will be separated from the table to the head of the department to sign. Above the position of department head needs to be signed by the general manager. (2), by the departing employee's department assistant to the departing employee to retrieve the work permit, employee handbook, uniforms, office supplies, to confirm that the handover is correct by the assistant's signature to confirm. (3), by the Ministry of Finance to check whether the departing employee and the company in the financial arrears (including the loan, business trip reimbursement), if any arrears on the spot, no arrears in the Ministry of Finance in the separation procedures on the form of signature confirmation. (4), the departing employee in getting all the required signatures on the separation form, the Department of Personnel and Administration to the employee issued by the termination or termination of the labor contract of the certificate. (5), Personnel and Administration Department to arrange for personnel to the unemployment insurance agency for termination, termination of labor relations record procedures with the record of the audit opinion, to the social insurance agency to suspend the employee's social insurance relations while sealing up the departing employee's provident fund. If the departed employee needs to transfer the provident fund, the personnel administration department will transfer the fund according to the new account provided by the employee, and the employee will do it by himself if he needs to take out the fund. (6), the Department of Personnel and Administration within fifteen days from the date of termination of the labor relations of the employee, to the unemployment insurance agency for unemployment insurance benefits audit procedures. (7) The Department of Personnel and Administration will re-file the files of the departing employees and settle the salary at the same time. According to Article 36 of the Law of the People's Republic of China on Labor Contracts, the employer and the worker may terminate the labor contract by consensus. Article 37 The laborer may terminate the labor contract by notifying the employer in writing thirty days in advance. A worker may terminate an employment contract by giving three days' notice to the employer during the probationary period. Article 38 A worker may terminate an employment contract if the employer: (1) fails to provide labor protection or labor conditions as agreed in the employment contract; (2) fails to pay labor remuneration in full and on time; (3) fails to pay social insurance premiums for the worker in accordance with the law; (4) the employer's rules and regulations are in contravention of the laws and regulations, and are detrimental to the rights and interests of the worker; (5) the employment contract is terminated because of the circumstances stipulated in Article 26(1) of this Law; (6) the employer's rules and regulations are not in compliance with the laws and regulations, and the workers' rights and interests have been harmed. (e) The labor contract is invalid due to the circumstances stipulated in Paragraph 1 of Article 26 of this Law (f) Other circumstances under which the laborer may terminate the labor contract as stipulated by laws or administrative regulations. If an employer forces a worker to work by means of violence, threat or unlawful restriction of personal freedom, or if an employer directs or orders risky work in violation of regulations, endangering the personal safety of the worker, the worker may terminate the employment contract immediately without prior notice to the employer. Article 50 The employer shall issue a certificate of termination of the labor contract upon termination, and shall, within fifteen days, handle the transfer of files and social insurance relations for the worker. The laborer shall, in accordance with the agreement between the two parties, handle the handover of work. Where the employer is required to pay economic compensation to the worker in accordance with the relevant provisions of this Law, it shall do so at the time of handing over the work. The employer shall keep the text of the canceled or terminated labor contract for at least two years for inspection.
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If the car can not afford to pay off the car loan, what will happen?
The vehicle will be repossessed, and can only be redeemed when there is money afterward, and my credit record will also be affected, if it is true that you are not able to pay back the loan again, you can negotiate with the bank, you can try to apply for an extension of the repayment, or to take advantage of the minimum repayment to deal with.
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Divorced in 19 years, the Civil Service Bureau agreement written in 2023 to give alimony, but the child is now to the school age, can be sued to give alimony now?
[Lawyer reply]Divorce agreement, you can write your own. Civil Affairs Bureau also provides model, the parties are free to choose. Divorce agreement refers to the dissolution of the marriage is about to be signed by both spouses, on the division of property, child custody and visitation, spousal support and child support and other written agreements. To be legally valid, a divorce settlement must be in writing, signed by both spouses and endorsed by the court or marriage registry. This is one of the required elements for divorce proceedings. According to the latest regulations on marriage registration, a divorce agreement signed by both parties*** must be presented at the time of the divorce procedure. Divorce agreement should contain the parties to the voluntary divorce of the meaning of the expression and on the children's upbringing, property and debt disposal and other matters of consensus.
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Hello please, I'll be at the age of retirement in 2023 but my social security won't be full for 15 years until 2026 only 15 years, according to the labor contract law, article 44, paragraph 2 of the unit in 2023 can not terminate my labor contract, whether my labor contract should be extended to 2026?
[Lawyer's reply]When a participant reaches the legal retirement age, he can receive a monthly pension if he has accumulated 15 years of pension insurance contributions. Pension insurance contributions less than 15 years, you can continue to extend the contributions to the full 15 years to receive a monthly pension, can also be transferred to the urban and rural residents insurance in accordance with the provisions of the insurance benefits.
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[Lawyer Reply]Calculation of the conditions and treatment of retirement, not in accordance with the years of service, is in accordance with the number of years of pension insurance contributions. Administrative and state-owned, collective enterprises above the county employees, in the local pension insurance system reform before the individual contributions to the continuous working age, regarded as years of contributions. The years of contribution are calculated to the month, not less than one year by one year. If the person concerned has no interruption in the years of contribution (including the deemed years of contribution), the years of contribution will be 41 years and 6 months. The State Council "on deepening the reform of the pension insurance system of enterprise employees notice" Guo Fa 19956 Annex II basic pension insurance for enterprise employees social integration and personal account combination of the implementation of the measures of the second (b) basic pension insurance premiums by the enterprise and the individual employee **** with the payment. The number of years for which the enterprise and the individual employee **** together pay pension insurance premiums is called the "contribution period". Prior to the introduction of the individual contribution system, an employee's consecutive years of service could be regarded as years of contribution.
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Contract signed in 2015 to 2023 in the company for 3 years if laid off in 2016. The company should be compensated how much money, the monthly salary is 6500
[Lawyer reply]The employer should pay three months salary economic compensation. Employers in accordance with the provisions of Article 41 of the Labor Contract Law layoffs, in accordance with the provisions of Article 46 (4) of the Labor Contract Law, the employer shall pay economic compensation to the workers. Where one of the following circumstances exists under Article 41 of the Labor Contract Law, requiring the layoff of more than twenty persons or less than twenty persons but accounting for more than ten percent of the total number of employees of the enterprise, the employer shall explain the situation to the trade union or all employees thirty days in advance, and after listening to the opinions of the trade union or the employees, the plan for the layoff of personnel may be made after the layoff plan has been reported to the administrative department of labor: (a) in accordance with the provisions of the Law on the Bankruptcy of the Enterprises for the purpose of reorganization in accordance with the provisions of the Law on Bankruptcy of Enterprises; (2) where serious difficulties occur in production and operation; (3) where an enterprise is in need of downsizing after changing the labor contract due to the change of production, major technological innovation or adjustment of the mode of operation; or (4) where the labor contract cannot be fulfilled due to major changes in the objective economic situation on which the labor contract was concluded. Article 47 Economic compensation shall be paid to a laborer at the rate of one month's salary for each full year of employment with the employer. If the period of employment is more than six months but less than one year, it shall be calculated as one year; if the period of employment is less than six months, the economic compensation shall be paid to the laborer at the rate of half a month's salary. If the worker's monthly wage is more than three times the average monthly wage of the workers in the region for the previous year as announced by the people's government of the municipality directly under the central government or of the city that has set up the district where the employer is located, the standard for paying him or her economic compensation shall be paid at the rate of three times the average monthly wage of the workers, and the maximum number of years for which economic compensation shall be paid to him or her shall be no more than twelve. The monthly wage referred to in this article refers to the average wage of the worker in the twelve months prior to the termination or suspension of the labor contract.
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Hello, Mr. Feng, I work for a state-owned enterprise, and in 2018, I started working 24 hours on and 48 hours off. May I ask: if I wait until 2023 (when I am still employed) can I ask for compensation from the enterprise arbitration for 5 years of overtime pay in excess of legal working hours from 18 to 23***? Thanks.
[Lawyer Reply]Hello, 1. According to Article 26 of the Rules for Arbitration of Labor-Management Disputes, the limitation period for applying for arbitration is one year, calculated from the date when you knew or should have known that your rights had been infringed upon. Although the third paragraph of the subsequent provisions of the dispute over the arrears of labor remuneration, not subject to the limitation period. 2, but combined with the "Chinese people's *** and the labor contract law" article 85: the employer has one of the following circumstances, the labor administrative department shall order the payment of labor remuneration, overtime pay or economic compensation. It can be seen that labor remuneration and overtime pay are not stipulated as the same concept. Therefore, if there is an infringement of your rights, it is better to claim your rights within one year of validity in a timely manner, for more details, please contact us.
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[Lawyer Reply]Hello, yes, you need to retake the test and shall not apply again for a driver's license test within three years.1. Within three years of the record of drug abuse, the release of mandatory isolation detoxification measures for less than three years, or long-term dependence on psychotropic substances addiction has not yet been quitted, shall not apply for a driver's license.2. Drug-related drivers will be canceled driver's licenses in two cases: one is after taking, injecting drugs, and the other is after the release of the drug. One is to drive a motor vehicle after taking or injecting drugs; the second is to implement community drug treatment, compulsory isolation or community rehabilitation measures. 3. Drivers due to drug-related driver's license cancellation, within three years without taking or injecting drugs or lifting the compulsory isolation measures for three years, you can reapply for a driver's license. Message Consulting Points Adoption
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[Lawyer Response]Generally, the previous year's salary income for the base of contributions: the employee's salary income is higher than 300% of the average salary of the local employees in the previous year. 300% of the average salary of local employees, 300% of the average salary of local employees in the previous year for the contribution base; employee salary income is lower than 60% of the average salary of local employees in the previous year, 60% of the average salary of local employees in the previous year for the contribution base; employee salary between 300%-60%, according to the actual declaration. Employee salary income can not be determined, its contribution base according to the local labor administration department announced the average salary of local employees in the previous year for the contribution wage to determine; every year the social security will be in a fixed time (March or July, different places) approved base, according to the employee's average monthly salary of the previous year to declare a new base, you need to prepare the payroll these certificates.
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[Lawyer Reply]Pension insurance premiums and the employee to pay the base and the number of years of payment related to the number of years of service, and the number of years of service of the employee is irrelevant, the formula for the measurement of the formula: (1) the basic old-age pension [the city's average salary of the last year of the incumbent worker at the time of retirement Average monthly salary of workers in the city in the previous year at the time of retirement × (1 my average salary index)] ÷ 2 × all my years of contribution (length of service) × 1% (2) personal account pension personal account accumulated savings ÷ the number of months of payment (Example: 50 years old, 195 months, 60 years old, 139 months) (3) Transitional pension at the time of retirement of the city's previous year the average monthly salary of workers in the city × my average salary index × my average number of years of contribution before 1997 (length of service) × 1% Total (length of service) × 1% total that is the sum of the three.
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I am 60 years old and hold an A license, valid until 2023, can I still drive a bus?
[Lawyer's reply]The labor law does not have specific implementation rules on how to implement the wedding leave, specifically to different units have different practices. Therefore, the validity of the marriage leave mainly depends on the rules and regulations of each unit documents, generally within six months or a year must apply for leave, or will automatically give up the benefits. 1, the state does not provide for the validity of the marriage leave, that is, there is no provision for the marriage leave must be registered to receive a certificate of marriage within a period of time after the completion of the rest of the 2, for the validity of the marriage leave, although there is no mandatory uniform provisions of the state, but the general company or unit will make the corresponding provisions, some of which are registered to receive a certificate of marriage, but the company or unit will make the marriage leave. Although there is no mandatory uniform regulation for the validity period of marriage leave, the general company or unit will make corresponding regulations, some of which are within three years after the registration of the marriage certificate, some within half a year, some within a year, and so on. Employees should comply with such regulations of the organization. At the same time, since it is a wedding leave, then it is not appropriate to take a long time after the receipt of the marriage license. 3, to clarify, the wedding leave should be a one-time leave.
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Hello! Please ask the cadres of the organization to retire in 2023, the approximate pension how much? Thanks!
[Lawyer Reply]Employment system institutions to work in lieu of dry personnel to do retirement, if it is a man, cadres and employees of the retirement age is 60 years old, is the same. If you are a woman, if the cadres are 55 years old, employees are 50 years old retirement, to work in lieu of dry people can be based on the age of the cadres to retire. After the implementation of the Labor Law, all enterprises are required to implement the labor contract system. Therefore, within the same enterprise, the various status boundaries of workers are broken, workers can work in management positions through the agreement of labor contracts, and cadres can also engage in the work of front-line workers. Therefore, in determining the retirement age, the Ministry of Labor issued (1995) No. 309. Article 75 clearly stipulates that: after the implementation of the labor contract system in all the employers, the workers in the employers from the workers' positions before the conversion to the original cadres (technical) positions or the original cadres (technical) positions to the original workers' positions, the retirement age and conditions, in accordance with the provisions of the State of the current position. That is to say, employers (including enterprises, institutions) after the implementation of the full labor contract system, the workers were hired cadres should be in accordance with the conditions of the cadres for retirement.
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Born on September 9, 1963 to 2023 when can I do the retirement procedure.
[Lawyer Reply]Now are gradual retirement, according to the Ministry of Human Resources and Social Security program will implement a gradual delay in retirement, how many months each year to extend the retirement age, until after a considerable period of time to reach the newly proposed statutory retirement age. Specifically to each person will work until when to retire for example, if the implementation of delayed retirement from 2022, delayed by six months each year, according to the current retirement framework (female workers 50 years old, female cadres and male workers 55 years old, male cadres 60 years old), then the retirement age in 2022 will be 50.5 years old, 55.5 years old and 60.5 years old respectively. Those who would have retired in those 2 years would have to work an extra half year. And so on until the new retirement age is reached. So you are able to start measuring up according to 60 for men and 55 for women
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I am in Fengshun County free to pay social security payment for 18 years to 2023 can receive how much pension?
[Lawyer Reply]Hello, you need to consult the Social Security Administration to understand.
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Lawyer Hello I am now often work thirteen years and another two months of pension insurance is also pay Thirteen years another two months, I'm 62 years old, to 2023 in August can retire, I asked how much money I can by then a month
[Lawyer reply] you can consult the social security authorities.
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Want to ask, the loan of 40,000 divided into 36 installments of the month to pay back 2023. can be sued!!!! It has been paid back for more than a year.
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