Under normal circumstances, loans will not directly affect families, but may indirectly affect families.
1. If everyone fails to repay the loan, the financial institution will definitely arrange staff to collect the loan. Generally speaking, telephone calls, text messages and door-to-door collection methods are inevitable. In the process of financial institutions collecting loans, the normal life of everyone and their families will inevitably be disturbed.
2. Some lending institutions will call the borrower's family and friends when the borrower's loan is not repaid. In this way, the normal work and life of family and friends will be affected. In addition, things that people owe money and don't pay back will also make their families lose face.
3. If the financial institution takes the borrower to court, it is very likely that everyone will be included in the list of untrustworthy people. Once everyone becomes a "Lao Lai" who is shouted by everyone, then the family will be in trouble, because the children of Lao Lai can't go to high-priced schools.
4. Under extremely special circumstances, physical conflicts may break out between the two parties in the process of urging loans, and the personal safety of family members is likely to be threatened. Once a family member is injured, the consequences will be very serious.
5. The credit information of both husband and wife influences each other. If one party fails to repay the loan, it will be very difficult for the other party to apply for mortgage, car loan and commercial loan in the future.
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Case: Laozi's son was arrested for allegedly defrauding loans for failing to repay his father's money within the time limit.
A man in Mudan District is in urgent need of money for business partnership. Because he has a loan under his name, he can't apply again. So he arranged for his father to forge relevant documents in the name of buying a car and borrow 200,000 yuan from a financial institution in Heze.
Loans overdue, whose father was unable to repay, was recently arrested by the procuratorate on suspicion of defrauding loans. According to the police of Economic Investigation Brigade of Peony Branch of Heze City Public Security Bureau, on June 7th, 20 12, Li Qiang (pseudonym) entered into a business partnership with others because of the urgent need for money.
However, nearly 50,000 yuan in his name has not been paid off, so he can't apply for a loan again, so he found his father Li Shenwu (a pseudonym) to "help".
After graduating from junior high school, Li Shenwu has been farming at home and once ran a passenger transport business. In 2008, he bought a bus with the license plate number R05XXX in partnership with three others. At that time, the owner's registration information was Xu among the three partners, and the vehicle was attached to a company in Heze.
20 1 1 In June, Li Shenwu and three partners agreed to sell it to Zhang at the price of130,000 yuan, which was operated by Zhang himself. At this time, the car has nothing to do with Li Shenwu.
Li Qiang thought that his father had experience in passenger transport and it should be easy to get a loan from the bank, so Li Qiang arranged for his father to apply for a loan of 200,000 yuan in a financial institution in Heze in the name of buying a bus.
When handling the loan, Li Shenwu provided his unified invoice for motor vehicle sales, driving license (license plate Lu R05XXX), a certificate from a transportation company (all forged after verification) and information of three guarantors.
According to the investigation by the external auditor of this financial institution, the credit period is from June 2065438 19 to June 2065438 18. On June 29th, 20 12, financial institutions gave Li Shenwu a loan of 200,000 yuan, and he gave all the money to his son Li Qiang for use.
On June 28th, 20 13, Li Shenwu repaid the principal of 200,000 yuan and interest. After repayment, Li Shenwu applied for a loan again. During the credit period, on July 2, 20 13, the financial institution gave him another loan of 200,000 yuan.
The term is from July 2, 20 13 to June 0, 20 14 10. After the loan expired, Li Qiang had difficulty in doing business and failed to pay the loan principal and interest to his father. Until September 5, 20 14, loans overdue. Li Shenwu was recently arrested by the police for refusing to repay the principal and interest.