XXX is a personal student loan customer of our bank (ID number: 0000000000000), who applied for personal student loan from our bank in 20XX, joined the work after graduation in 20XX, and paid back in full and on time every month. However, there are X overdue records from 20XX to 20XX, and the maximum monthly overdue amount is X yuan, and the loan principal and interest are fully settled in 20XX. ?
The reason for the overdue is that the work has been transferred for 20XX years (transferred to the township office of the work unit for a long-term business trip), and the repayment cannot be made normally. In addition, the mobile phone was lost at that time, and the fixed telephone in my hometown stopped, which led to poor communication with the bank. I mistakenly think that the balance in the account is enough to pay interest, and I can't receive the bank repayment prompt in time after the deadline. After finding the problem, take the initiative to contact the bank and settle all the money at the first time. ?
This is to certify that the customer's overdue payment is not malicious.
Personal Finance Department of XX Branch of Bank of China Limited? XX，XX，XX，XX
Two. Common formats of non-malicious overdue certificates of banks:
certificate
This is to certify that Mr. XXX (ID number: * * *) did not pay it back in our bank in loans overdue from ……………………………………………………………………………………………. The reason for overdue is job transfer. Hereby explain.
Whether it is "non-malicious" or not is not up to the individual. Banks will strictly review overdue records to determine whether to issue non-malicious overdue certificates. For example, if the amount owed is high, the overdue time is long, and the overdue times are many, the bank will not issue relevant certificates without reasonable reasons. Secondly, even if the loan applicant holds a non-malicious overdue certificate, it may not work. Non-malicious overdue proof is not a panacea, it can not completely prove the "innocence" of personal credit, and it can not cover up the fact of overdue. Even if the borrower can issue a non-malicious overdue certificate, the lending bank will make a comprehensive evaluation according to the overdue situation and the borrower's repayment ability. Different banks have different degrees of recognition of non-malicious overdue certificates issued by other banks.