1. Ping An’s new negotiated repayment policy in 2022?
Dear dear, the 2022 Ping An Puhui special reduction and exemption policy is true. There is indeed a reduction or exemption policy launched during the epidemic. Ping An Puhui’s negotiation policies are roughly divided into: reduction, extension or installment. The reduction and exemption plans are roughly divided into two categories:
The first is a one-time reduction and exemption, and a settlement certificate can be issued at a maximum discount of 40%.
Second, it can be reduced or exempted: insurance premiums, service fees and guarantee fees will continue to be repaid according to the original installments.
Another option is to defer repayment for 3-6 months, and then make second installments up to 72 installments. When we are overdue, the first thing we have to do is to lower our posture and ask for customer service's understanding and forgiveness. Explain your degree of difficulty and express your strong willingness to repay, but you really have no choice now. Attitude is important.
Then you need to clearly explain your approximate future repayment plans and plans based on your own abilities, such as when you will be able to settle the debt in one go, which will help you gain the opportunity for negotiation.
2. National loan policy
Legal analysis: The loan policy refers to the central bank’s loans to various specialized banks and other financial institutions. It has the basic characteristics of general loans, and There are special functions and guidelines. Like corporate loans, they all have the basic characteristics of repayment, guarantee, term and interest accrual.
Legal basis: China Banking Regulatory Commission's "Interim Measures for the Administration of Personal Loans"
Article 2 The People's Republic of China and the domestic banking financial institutions of the Bank of China (hereinafter referred to as Lenders) operating personal loan business shall abide by these Measures.
Article 3: Personal loans as mentioned in these Measures refer to loans issued by lenders to qualified natural persons for personal consumption, production and operation, etc.
3. Loans are now What are the policies?
According to the guarantee method stipulated in the "Guarantee Law of the People's Republic of China", a loan issued by a third party promising to assume joint and several liability when the borrower cannot repay the loan as agreed. /The loan is issued by the lender in accordance with the guarantee method stipulated in the "Guarantee Law" and a third party promises to assume joint and several liability in accordance with the regulations when the borrower cannot repay the principal and interest of the loan. The loan guarantee provided by the guarantor for the loan is an irrevocable full joint liability guarantee, which refers to the loan principal and interest stipulated in the loan contract and related expenses incurred by the loan contract. The guarantor must also bear all joint and several civil liabilities arising from the loan contract. It is a type of secured loan in which a second person other than the lender and borrower acts as a guarantor to guarantee the borrower's return of the loan. The term of the guaranteed loan
The maximum loan term shall not exceed 7 years, of which the loan grace period (referring to the time from the loan issuance to the first repayment) shall not exceed 3 years. The applicable scope of guaranteed loans
Take ICBC as an example
(1) It must be an enterprise or institution legal person that has been approved and registered by the industrial and commercial administration department, and has completed tax registration and annual inspection procedures in accordance with regulations;
(2) There is a market for the product, production and operation are profitable, no misappropriation of credit funds, and abide by credit;
(3) Have the ability to repay the principal and interest on time, and the principal and interest of the loan originally payable and mature loans have been paid off; assessed according to bank corporate credit rating standards, in principle the credit rating must be A (inclusive) or above;
(4) A basic account or general deposit account has been opened in the bank ;
(5) Except as stipulated by the State Council, the cumulative amount of foreign equity investment by limited liability companies and joint stock companies does not exceed 50% of their total net assets;
(6) Borrowing The management and financial systems of the people are sound, and the main economic and financial indicators meet the requirements of the bank;
(7) Projects applying for medium- and long-term loans must be approved by the national competent department, and the corporate owner's equity of the new project must be consistent with the requirements of the bank; The proportion of total project investment shall not be lower than the capital proportion of investment projects stipulated by the state.
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IV. National loan policy
Legal analysis: Loan policy refers to the loans granted by the central bank to various professional banks and other financial institutions. Central bank loans have the basic characteristics of general loans, but as a monetary policy tool of the central bank, they have special functions and guidelines. Central bank loans, like professional bank loans to enterprises, have the basic characteristics of repayment, guarantee, term and interest accrual.
Legal basis: China Banking Regulatory Commission's "Interim Measures for the Administration of Personal Loans"
Article 2 The People's Republic of China and domestic banks established with the approval of the China Banking Regulatory Commission Banking financial institutions (hereinafter referred to as lenders) shall abide by these Measures when engaging in personal loan business.
Article 3 Personal loans as mentioned in these Measures refer to domestic and foreign currency loans issued by lenders to qualified natural persons for personal consumption, production and operation, etc.