You bought it at the bank store.

Two, Ping An Bank loan is credited to the People's Bank of China.

Less than 90 days after Ping An Bank's loan, banks with bad credit information began to make dunning.

According to the loan contract and guarantee contract (mortgage or pledge contract), the lending bank will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and the loan guarantor, and sealing up the pledged property.

After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses.

Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property.

Trustee, your company has been registered with the National Bank for credit information, and the loan under your personal name will also be recorded as overdue loan in the national personal credit information system.

If you are not in arrears with the bank loan in bad faith and are able to pay the interest on the normal loan, it is recommended to apply to the loan bank for an extension of the loan first, explaining the willingness to repay, the fact that the loan has not been paid for the time being and the plan for future repayment. Under normal circumstances, the bank will give a grace period.

3. Is Ping An Bank's loan creditable?

Credit report.

According to the provisions of Article 108 of the General Principles of Civil Law of People's Republic of China (PRC), the debts shall be paid off. If it cannot be repaid temporarily, it may be repaid by the debtor in installments with the consent of the creditor or the people's ruling. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's judgment.

According to Article 84 of the General Principles of Civil Law of People's Republic of China (PRC), debt is a specific right and obligation relationship between the parties according to the contract or the law. The obligee is the obligee, and the obligor is the debtor.

Creditors have the right to require debtors to perform their debts in accordance with the contract or according to law.

Extended data

If loans overdue exceeds a certain period, the relevant records of overdue users will be transmitted to the personal credit information system of the central bank. In addition to uploading overdue information to the central bank's personal credit information system, Renren Credit will continue to cooperate with third-party credit information agencies such as Qianhai Credit Information, Shanghai Credit Information and Pengyuan Credit Information.

Actions that can be taken against people who break their promises:

1. Some high-consumption behaviors are prohibited, including soft sleepers on airplanes and trains.

2. It is to implement other credit punishments, including restricting loans from financial institutions or handling credit cards.

3. If the person who is executed for breach of trust is a natural person, he shall not be the legal representative, director, supervisor or senior manager of the enterprise.

Article 207 of the Contract Law stipulates: "If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations".

Penalty interest will be charged if it is overdue. From the overdue date, default interest will be charged at the agreed interest rate 150% every day until the payment is overdue. Your overdue record will be reported to the People's Bank of China for credit investigation, which will affect your credit record. Please cherish your credit and repay on time.

If loans overdue exceeds a certain period, the relevant records of overdue users will be transmitted to the personal credit information system of the central bank. In addition to uploading overdue information to the central bank's personal credit information system, Renren Credit will continue to cooperate with third-party credit information agencies such as Qianhai Credit Information, Shanghai Credit Information and Pengyuan Credit Information.

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 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.