After the bank loan expires, if the borrower has no repayment ability, it can be solved in many ways.
For example, negotiate with the bank, extend the loan period, or borrow money from relatives and friends to repay. However, if there is malicious default, it will be classified as non-performing assets after more than 3 months.
In addition to being included in the credit report, it will also face high penalty interest, as well as bank collection and even.
2 owe 500,000 loans overdue to the rural commercial bank for half a year. What if I can't pay it now?
It is not recommended to wait and die, try to ask the bank! At present, China's personal bankruptcy law has no strict provisions. So it is unrealistic to solve your situation by personal bankruptcy. There are too many cases where bank loans cannot be repaid. Some people expect to face jail time, some people can only run away to avoid debts, and some people can only face the constant collection and hard work of banks. Share a case. A friend who is a loan intermediary borrowed 500,000 yuan from Ping An Bank. If you understand Ping An credit card, you will know it clearly. It is also a functional loan plan launched by Ping An Bank. Get a Zhang Pingan loan card and give you a loan of 500,000 yuan. Can be directly used for production and operation. It is also valid for 10 year. In other words, 10 years can be recycled, but Ping An has a hard and fast rule that it should be paid once every three months. That is, 500 thousand must be returned every three months and then taken out for use. But to put it bluntly, many borrowers must have taken some measures. Therefore, when Ping An conducts regular post-loan management, many of them cannot be taken out. So many people had this problem at that time. Even many people who let intermediary companies help the funds cross the bridge are trapped and can't get it directly after paying 500 thousand. The intermediary also forced the lender to sell the property and repay the loan. This guy can't make it, but he can't pay back at all. I can't get it out. It was almost a year later. I don't know how to avoid debt. In short, Ping An was not adopted, such as arresting people, not paying back the money, and not treating them. Of course, there are several reasons to share this case. 1. There is a process for banks to collect overdue loans. If it is really unable to repay, it is definitely black to delay solving the problem. If you are still in contact with the bank, just wait for the attitude of the bank. I must have thought of many ways, including borrowing money. For example, in the past two years, due to the economic downturn, many individuals in loans overdue have defaulted. Finally, banks don't have time to take the most compulsory measures to buffer. 3. Keep a relaxed attitude. If you are still starting a business, try to continue. If you have your last breath, you will turn over. When it comes to chicken soup for the soul, many successful people basically pass easily in the early stage of their business, and they all succeeded with their last breath. What's the big deal if you really fail in your career? In the final analysis, it is 500,000 yuan, and it has not reached the hopeless state of life. I don't think it's a big deal that Shi Yuzhu was in debt at that time. Don't push yourself to the wall. In short, just change your mind. I believe that "everything will be fine in the end, and there will be another village"!
3. I borrowed 6.5438+0.4 million from Rural Commercial Bank for two years, and I can't afford it now. What should I bear? ...
Return it slowly
4. What should rural commercial banks do if they are unable to repay their loans within the time limit?
1. First, you can borrow money from relatives and friends and repay the loan. When the funds are sufficient, you can return the money to your relatives and friends. It should be noted that it is not to support loans with loans, but to make a reasonable repayment plan, and never evade debts or do other illegal and criminal things.
2. Contact the staff of the rural commercial bank for consultation, and see if some interest can be reduced or the principal can be repaid first, and apply for extending the repayment period and repaying in installments.