First, borrow it from friends and relatives.

When a friend is in trouble, the average person will not sit idly by. As a borrower, as long as you tell the truth to your relatives and friends, naturally someone will be willing to help. Of course, as a borrower, we should show sincerity and agree on the loan amount and repayment time!

2. Apply for loan extension.

If you can't repay the loan on time, you can apply to the bank for extension. The purpose of doing this is to apply to the bank for a certain extension with a positive attitude and gain more time for repaying the loan. There are only a few issues that should be noted when extending loans. The application shall be filed 30 working days in advance, and if there is a loan guarantor, a written certificate that the guarantor agrees to extend the loan and continue to guarantee shall be issued.

Third, the trial stage or.

Nowadays, credit card consumption is a shopping way that customers like to share. Once shoppers spend irrationally, it is easy to generate more shopping money than their repayment ability. They can try the minimum repayment amount, or apply for bill installment, which will not affect their credit reputation, but will also generate a lot of interest or handling fees.

Extended data

The loan repayment of rural credit cooperatives includes:

1. Bad credit records left in personal credit directly affect the borrower's future loans;

On the basis of the burden in paragraph 2, increase the economic burden of penalty interest;

3. take a lawsuit. If the borrower fails to repay the loan of the credit cooperative after repeated reminders, the credit cooperative may take the borrower to court;

For banks with collateral as collateral, they can also auction collateral to repay the money owed by borrowers.

Section-Loans

Two, credit cooperatives in loans overdue for three years?

1, borrow from relatives and friends

If the amount of your loan is not large, you can explain your situation to your friends, borrow money from your friends and repay the loan. Of course, your brothers should also be clear. You should show sincerity, agree on the loan amount and repayment time, write an IOU, and dispel the concerns of relatives and friends about borrowing money.

Step 2 apply for an extension

If the lender fails to repay the loan on schedule under special circumstances, it may apply to the bank for extension. Of course, the premise is that there is no bad repayment record before, and explain to the bank why you can't repay on time, and actively show your determination to repay. After obtaining the consent of the bank, apply for a certain extension to buy more time for your repayment. However, it should be noted that the lender should submit the application one month in advance and obtain the guarantor as the loan guarantee.

3. Installment or repayment of the minimum repayment amount

Nowadays, credit card consumption and installment consumption have become a popular trend. If the loan is not paid, you can try the minimum repayment amount or apply for bill installment, and then pay it back with the money you usually spend, and then all the living expenses depend on the credit card. This is also an indirect credit card to make up for the vacancy you haven't paid back, and it won't affect your credit history. However, credit cards also have a time limit, so they must be paid off within the prescribed time limit, otherwise it will have a bad influence on personal credit.

3. What should I do if the credit union loan is not repaid when it expires?

First, borrow it from friends and relatives.

When a friend is in trouble, the average person will not sit idly by. As a borrower, as long as you tell the truth to your relatives and friends, naturally someone will be willing to help. Of course, as a borrower, we should show sincerity, agree on the amount of loan, repayment time and other matters, and dispel the concerns of relatives and friends about borrowing money to the greatest extent!

2. Apply for loan extension.

If you can't repay the loan on time, you can apply to the bank for extension. The purpose of this is to show the bank your determination to repay the loan with a positive attitude, and to apply for a certain extension to gain more time for your repayment. There are only a few issues that should be noted when extending loans. The application shall be filed 30 working days in advance, and if there is a loan guarantor, a written certificate that the guarantor agrees to extend the loan and continue to guarantee shall be issued.

Third, try to repay the minimum repayment amount in installments.

Nowadays, credit card consumption and installment consumption are a shopping method that many young people like. Once shoppers spend irrationally, it is easy to produce a situation that the shopping amount is greater than their repayment ability. In this case, you can try the minimum repayment amount or apply for bill installment, which will not affect your credit history, but the disadvantages are obvious and will generate a lot of interest or handling fees.

Extended data:

If the loan of rural credit cooperatives is not paid, the consequences will include:

1. Bad credit records left in personal credit directly affect the borrower's future loans;

2. Generate penalty interest. On the basis of the original loan burden, increase the economic burden of penalty interest;

3. take a lawsuit. If the borrower fails to repay the loan of the credit cooperative after repeated reminders, the credit cooperative may take the borrower to court;

4. If collateral is used as collateral, the loan bank may auction the collateral after being allowed to repay the funds owed by the borrower.