Ping An Bank Loan:
1. If the loan of Ping An Bank is not repaid, there will be bad credit records in the credit report. Because banks pay more attention to the borrower's personal credit, if the loan is not repaid, personal credit will be affected by shadow loans.
2. The bank will charge a penalty interest and pay the loan principal at the interest rate agreed in this contract according to the actual overdue days from the overdue date.
The bank will pay the money immediately after it is overdue through various ways. If it fails, the bank will have a special person to communicate with the borrower.
4. If the bank collection is invalid, it may be the borrower. If the borrower provides collateral as a mortgage loan, which cannot be repaid after repeated collection, the collateral will be auctioned to repay the loan.
Second, the consequences of not repaying the loan on time.
Subjectivity of law: If you use mortgage loan when buying a house, you need to repay it on time every month. For those who are repaying their mortgage, it is very stressful to repay the loan on time every month. If there is an accident, you may not be able to repay the loan. So, what will happen if you don't repay the mortgage on time? Wang Bianxiao takes you to know the specific knowledge. What are the consequences of not paying the mortgage on time? 1. The credit record left a "stain". Some borrowers think that "the mortgage term is so long that there is no problem if it is overdue several times". If you think so, you are all wet. No matter what kind of loan, as long as the borrower is overdue once, the record will be reflected in the credit report, so that the personal credit record will be "stained" and will inevitably have an impact on the next loan. 2. Generate penalty interest. For borrowers who fail to repay their mortgages on time, banks will punish them with penalty interest. Don't think that this is just a small amount. If the borrower has the heart, he can calculate it carefully according to his actual situation, and he will know the benefits. 3. The property was auctioned. If the borrower is overdue for many times and remains indifferent despite repeated reminders from the bank, the bank will freeze the mortgaged house and auction the house in accordance with relevant regulations, and the proceeds will be used to repay the loan principal and interest first. If the income is not enough to repay the principal and interest of the loan, the bank will take other measures to collect it until all the loans are recovered. What kind of repayment method is good for mortgage? Advantages and disadvantages of equal principal and interest repayment method: As a lender, the operation is relatively simple. Bear the same amount every month, which is also convenient for arranging income and expenditure. Disadvantages: Because the interest will not decrease with the repayment of the principal amount, the bank takes up a long time of funds, and the total interest of repayment is higher than the average principal repayment method to be introduced below. Advantages of the average capital repayment method The advantage of the average capital repayment method is that with the increase of repayment times, the debt repayment pressure will weaken day by day. Under the same loan amount, interest rate and loan life, the total interest of the average capital repayment method is less than that of the equal principal and interest repayment method. The calculation formula of bank interest is: interest = amount of funds × interest rate × occupied time. Because the monthly repayment of the principal is fixed, the monthly loan interest decreases month by month with the decrease of the principal balance, so the average capital repayment method has a large monthly repayment amount at the initial stage of the loan, and then decreases month by month (monthly repayment amount = monthly repayment of the principal × monthly interest rate). The repayment method of average capital is suitable for people. The repayment method of average capital is more suitable for lenders with strong repayment ability some time ago, because the repayment amount in the early stage is large, and then it decreases month by month. Of course, some older people are more suitable for this method because their income may decrease with age or retirement. If you can't do anything about not paying your mortgage on time, you can ask online lawyers through the online consultation system and ask them to give you corresponding solutions.
Objectivity of law: Article 313 of the Criminal Law refuses to carry out the people's judgments and orders, and if the circumstances are serious, it shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined. If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph. Article 241 of the Civil Procedure Law stipulates that if the person subjected to execution fails to perform the obligations specified in the legal documents according to the enforcement notice, he shall report the current property situation and the property situation one year before the date of receiving the enforcement notice. If the person subjected to execution refuses to report or makes a false report, the people's court may, according to the seriousness of the case, impose a fine or detention on the person subjected to execution or his legal representative, the principal responsible person of the relevant unit or the person directly responsible.
Three. What will happen if you don't repay the loan in time?
At present, the country has not explicitly stipulated campus loans, but it has introduced relevant policies!
The most important thing about campus loan is to indulge the bad loan platform and make use of students' consumption psychology to make loans!