Article 242nd of the Civil Procedure Law: If the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the deposits, bonds, stocks, fund shares and other properties of the person subjected to execution. From the relevant units.
The people's court has the right to seal up, freeze, transfer or change the property of the person subjected to execution according to different circumstances. The property inquired, sealed up, frozen, transferred or changed in price by the people's court shall not exceed the scope of obligations that the person subjected to execution shall perform.
The expanded information is to steadily push forward the reform of interest rate marketization and give full play to the regulatory role of interest rate leverage. The relevant matters concerning RMB loan interest rate and interest settlement are hereby notified as follows:
I. On the interest settlement of RMB loans. The method of interest calculation and settlement for RMB loans (not applicable to individual housing loans) shall be determined by both borrowers and borrowers through consultation.
II. Adjustment of loan interest rate during the contract period. The interest rate of medium and long-term RMB loans is fixed from the original one year to be determined by both borrowers and borrowers according to commercial principles. During the contract period, it can be adjusted monthly, quarterly and annually, or a fixed interest rate can be adopted.
The interest rate of loans with a term of more than five years shall be determined independently by financial institutions with reference to the interest rate of loans with a term of more than five years published by the People's Bank of China.
Third, on the issue of penalty interest rate. The default interest rate of overdue loans (loans that the borrower fails to repay on the date agreed in the contract) is changed from the current daily interest rate of 2. 1% to 30%-50% higher than the loan interest rate agreed in the loan contract; If the borrower fails to use the loan as agreed in the contract, the penalty interest rate will be changed from the current daily interest rate of five ten thousandths to 50%- 100% of the loan interest rate agreed in the loan contract.
For loans that are overdue or not used according to the purpose agreed in this contract, interest will be charged at the default interest rate from the date when they are used in loans overdue or not according to the purpose agreed in this contract until the loan principal and interest are fully paid off. For the interest that cannot be paid on time, compound interest shall be calculated at the penalty interest rate.
Iv. New loans issued after June 65438+1 October 1 day (including June 65438+1October/day, 2004) shall be subject to this notice. The unexpired loans issued before June 5438+1 October12004 are still executed according to the original loan contract, but this notice can also be executed by mutual agreement.
Five, this notice shall be implemented as of June 1 2004. If the provisions on RMB loan interest rate previously issued by the People's Bank of China are inconsistent with this notice, this notice shall prevail.
Loan is a form of credit that lends money according to interest rate and repayment terms. Lenders are divided into banks and various credit institutions. The types of loans are personal loans, auto loans, housing loans, provident fund loans, consumer loans, credit loans and unsecured loans. 20 13 specific positioning of the latest loan interest rate:
1. Short-term loans from six months to one year are:
5.6% within 1 and 180 days (inclusive);
2, 180 days to 365 days (including 365 days) 6%.
Two, one year to more than five years of long-term loan interest rates are:
1, one to three years (inclusive) 6.15%;
2, three to five years (inclusive) 6.4%;
3, more than five years 6.55%.
In response to the national call for personal credit reporting, users should abide by the credit reporting requirements and relevant laws, so as not to affect the credit of loans and credit card applications.
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