2. This situation belongs to the inability to repay the loan in a civil case, which belongs to a civil case, but the premise is: prove that you are financially unable to repay rather than subjectively unwilling to repay; It is necessary to prove that the loan at that time was only a fictional fact or a loan obtained by concealing the truth.
Extended data:
1, loan amount. How to determine the loan amount is just a topic worth discussing, because most products will draw a loan amount range, such as the minimum 1000 yuan to the maximum 50 thousand yuan, which refers to the minimum and maximum amount you can apply for. The size of the loan depends on the individual's capital demand, and you can't blindly apply for too high a loan amount, otherwise it will cause a heavy repayment burden.
2. Term of the loan. Simply put, the longer the loan term, the higher the total interest and the less the interest per period. Therefore, if your income is relatively stable, it is recommended to choose a longer term to reduce the repayment pressure. In addition, many bank loans are divided into six months and one year. Everyone should grasp the nodes well, otherwise the one-year interest rate will be implemented after more than half a year and less than one year.
3. Repay on time. Newcomers should not think that it is no big deal to be overdue occasionally. Once the credit information is destroyed, it may have adverse consequences. In fact, banks have many measures to delay repayment, such as minimum repayment amount and loan extension, which can solve the problem.