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If the loan term is overdue, the overdue record will be recorded in the lender's personal credit report and become a credit stain, which will be eliminated five years after the lender pays off the debt.
Extended data:
The harm of credit stain:
Impact on lending: With the increasing attention of society to personal credit reporting, the harm of credit stain is becoming more and more serious. The most direct manifestation of credit stain is debt-related problems. If the overdue time is long and the amount is large, the credit stain will affect the borrower's credit card application, mortgage application and car loan application in the next five years.
Impact on personal freedom: If the bank reminds the overdue person to repay the loan for many times, and the overdue person still fails to repay the loan, the bank will file a civil lawsuit with the court, and the untrustworthy person will be listed as the "untrustworthy executor" and will be restricted from taking high-speed rail, traveling abroad and other domestic travel.
Affect personal development: Now more and more employers and institutions begin to pay attention to staff's credit report. If a job seeker has a credit stain, it is likely to affect his employment and subsequent promotion.
Domestic banks have a certain tolerance for overdue loans. Most banks' overdue loans within three days or outstanding loans within ten yuan will not be included in the personal credit report. Therefore, it is best to repay the loan within three days after loans overdue. Are there any other reasonable reasons to ask the local business hall to postpone repayment?