First of all, answer directly.
There are mainly consequences of bearing high late fees and being levied.
Second, the specific analysis
Online loans that do not receive credit information will have these two consequences if they are overdue:
First, bear high overdue fees. For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management fee or other names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue.
Second, undertake the collection of the platform in various ways.
Collection is generally divided into three stages:
1, just a few days overdue, the platform customer service will warmly remind you, overdue, please repay on time;
2. If it is overdue for a long time, the platform customer service will give a serious warning, and it will face serious consequences if it is overdue;
3. If it is overdue for a long time, the platform will start practical actions. There are many kinds of practical actions.
For example, the platform constantly pushes a lot of collection information to you and your relatives and friends, which seriously affects your daily work and life; The platform entrusts special collection personnel to collect money at home and communicate face to face to collect accounts. Some platforms outsource collection, and special collection companies collect. Irregular collection companies will adopt illegal "violent collection" methods, which will seriously threaten the personal safety and property safety of debtors.
Frequent application for online loans will lead to changes in your credit information. In this case, your score in the bank scoring system will be reduced. If you want to apply for a mortgage or credit card again, it will be difficult to apply. Even if it is not overdue, bad records will have a great impact on your credit report.
Long-term application for online loans must pay attention to your own online loan big data to prevent it from becoming a blacklist of online loans because of blind application.
Just check in: Beijian. Click Query, enter information to query your own 100-line credit data, which come from the national online lending platform and UnionPay. Users can query their own big data and credit status, obtain various index data, and query their own personal credit status, blacklist status, online loan application records, application platform types, online loan credit line estimation and other important data information.
Compared with the central bank's personal credit report, online lending big data has a wider scope and more diverse institutions. It is a part of personal credit records and a useful supplement to the traditional personal credit report.
The result of overdue loans not being repaid.
Many people turn to online lending institutions to apply for loans because their conditions do not meet the requirements of bank loans. Some people think that the audit of online lending institutions is not strict enough, and loans without credit cannot be repaid. So, what is the result of late payment? Come and have a look with me.
I. Loans without credit reporting
1. In fact, whether it is a bank or an online lending platform, even if there is no credit report, as long as you don't repay in time or default, your life will be greatly affected.
The personal credit report can be said to be our second ID card. Once there is a personal credit overdue record, your loan interest rate in banks and other financial institutions will increase. Some serious banks will not give loans, nor will they directly handle credit cards. Once overdue, they will form a credit stain.
3. Even if you don't have credit information, there will be a third-party credit information platform to collect your excuse information. Once the third-party platform collects a large amount of repayment and loan application data, many institutions will review your information and also inquire and evaluate it.
Second, the result of overdue payment.
1. If you are overdue in a lending institution, your credit report may not be polluted, but the third-party credit platform will record your overdue. Then if you want a loan in the future, you are likely to be rejected.
2, and once overdue, you will not only have to pay a high penalty or default interest, but even face prosecution. If you lose the case, you will not only have to pay liquidated damages and other expenses, but also bear the legal fees and attorney fees of both parties.
3. General loans will leave personal information. Once the customer service is overdue, you will call the reminder. If you can't get it back, someone from the outsourcing company will say hello to you, so what will happen is unpredictable.
4, some will call your relatives and friends, not only lose face. Moreover, in the future, if you have difficulties and want to borrow money from others, it is not necessarily that someone will lend you money.
Editor's summary: Can't the loan be repaid? As well as the results of overdue payment, I believe everyone will understand after reading the article. I hope everyone can keep good credit and repay what they borrowed, because it is very important to accumulate credit.
What are the consequences of not collecting credit information on online loans? Basically, these three
; ? As we all know, online lending platforms are generally divided into two types. One is a platform for cooperation with the central bank's credit information center, and credit information is collected at the meeting. The other is a platform that uses sesame credit or other credit scores and does not collect credit. What are the consequences of informal online lending? Basically, these three!
What are the consequences of informal online lending?
1, malicious collection
After loans overdue, borrowers are bound to be violently collected by online lending platforms. Most platforms that do not receive credit information are regular online lending institutions. In order to ensure the reduction of bad debts, collectors usually make harassing calls to borrowers or even call their work units. Many borrowers lost their jobs because of the phone call of the person being called.
In addition, the borrower's address book friends are not spared.
2. Personal reputation is damaged
After loans overdue, the collection staff will call the borrower's friends in the address book, tell them the fact that they owe money, and even describe it in a embellished way. In this case, the borrower's personal reputation will basically be damaged. If it is the same city, you may post a notice at the door of the community or at the door of the company. For the company, the integrity of employees is very important.
3. Personal information is sold.
Some online lending platforms specialize in selling information about overdue borrowers. Next, the borrower will receive many different harassing calls, and his personal life will be greatly affected.
In addition, although online loans without credit information will not affect the central bank's personal credit information report, online loans also have their own third-party credit information (Sesame Credit, Netease Koala, etc.). ), and if it is not returned, it will also be blacklisted.
The above is about "what will happen to informal online loans?" I hope I can help you!
What are the consequences of a small loan that does not receive credit information?
The consequences of non-repayment of small loans without credit information are as follows:
Consequence 1: penalty interest and liquidated damages. If the loan is not repaid, the first thing you encounter is a high penalty interest. Some financial institutions need you to pay liquidated damages on the basis of penalty interest. These expenses add up to a lot of money.
Consequence 2: Credit damage. Even small loan companies are not included in the credit report, and there is a "blacklist" system in the circle. If a company does not pay back, it will be difficult to approve other loans.
Consequence 3: being collected by various means. Banks and small loan companies have their own collection systems. Novices will send you text messages and call you to collect money. In serious cases, there will even be a collection staff pressing you around the clock, which will seriously disrupt your work and life.
Consequence 4: If you are sued, your assets may be seized. Financial institutions will also arm themselves with laws. If you don't pay the arrears, you will be prosecuted if the amount is relatively large. Once the court makes a verdict, even if you are reluctant, you must execute the "repayment ruling". Otherwise, the court will seal up the property under your name according to law and repay the arrears with the proceeds from the auction.
Consequence 5: If the circumstances are serious, you will go to jail. Generally speaking, such incidents as non-repayment of loans are civil disputes 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 court will also investigate the criminal responsibility of the borrower, and if it is too serious, it will go to jail.