Is the overdue loan amount the same as the loan balance? Isn't it a concept to repay the loan by installment balance plus overdue amount? The overdue loan amount is the loan that has not been repaid by the repayment period. Therefore, the overdue loan ratio is often used to reflect the timely repayment of loans, and to reflect the loan use efficiency and asset risk plan from the perspective of whether to repay loans on time. The purpose of monitoring the overdue loan ratio is to promote banks to properly handle overdue loans as soon as possible. The loan balance refers to the sum of loans issued by commercial banks before a certain date, as part of performance appraisal, but the CBRC will limit the annual loan amount of banks and monitor it as risk control.

To sum up, it can be seen that the loans overdue amount is the overdue amount from the perspective of the repayment person; The loan balance is mostly from the bank's point of view to monitor the bank's loan amount, which is the difference between the two.

How to deal with overdue loan balance varies from place to place. What is a loan made of? Because if the conditions are different, the treatment methods are different. It is recommended to pay back the money as much as possible without affecting future credit cards or loans.

The overdue loan of 1 will first affect your personal credit.

If the loan amount is small, the bank will ask your guarantor to repay it.

If the loan amount is large, the bank will sue you in court and apply for enforcement.

According to the relevant provisions of the Contract Law, the borrower fails to repay the loan within the time limit stipulated in the loan contract, which is a breach of contract and should bear the liability for breach of contract. The ways to bear the liability for breach of contract include returning the loan principal, paying the interest during the loan period agreed in the contract and paying the interest of loans overdue. Repaying the loan principal and paying interest within the loan period agreed in the contract will generally not cause disputes because the parties have clearly agreed in the loan contract; There is a great dispute between the parties about the interest on overdue loans, and the standards applied by judges in hearing such cases are not uniform, which affects the authority of the law.

Is overdue loan a bad debt? Overdue loans are bad loans. Basic types of non-performing loans: 1. Overdue loans refer to loans that are overdue (including those due after extension) and cannot be repaid (excluding sluggish loans and bad loans). 2. Sluggish loans refer to loans that are overdue (including due after extension) for more than 2 years (including 2 years) and cannot be repaid, although they are not due or overdue for less than 2 years.

How to borrow overdue loans? If you are going to apply for a personal loan in our bank, "credit record" will be one of the important options for review. Whether the final approval can be passed is based on the comprehensive evaluation of the business type, personal solvency, credit status and other factors you apply for, and can only be determined after the approval of the handling outlets. I suggest you provide relevant application materials and contact the personal loan department of local outlets for further verification.

What is loan extension? If loans overdue, then delay the delivery, reduce floating losses. The National Reserve Board approved the deferred trading of London copper. There will be gains and losses after the delay. The profit and loss of the extension is determined by the price difference between contracts. Basis directly reflects the extension effect or the gain and loss of extension. Loan extension. Customers who can't repay the loan on time should apply to the bank for loan extension before the loan expires. When applying for the extension of secured loan, it shall also issue a written certificate that the loan guarantor agrees to extend the loan and continue to guarantee it. The loan extension period shall not be lower than the original loan conditions. The extension of short-term loans shall not exceed the original loan term; The extension of medium-term loans shall not exceed half of the original loan term; The longest extension of long-term loans shall not exceed 3 years. If the customer fails to apply for extension or the extension application is not approved, the loan will be transferred to the overdue loan account from the day after the maturity date.

Excuse me, where can I find the information of medium and long-term loan balance of financial institutions, developer loan balance, real estate loan balance and individual housing loan balance? These are all trade secrets. How do you find them? Unless you are from the People's Bank of China, you have the right to supervise. Otherwise, why are you looking into others, right?

Personal credit information shows that the loan balance is 25,000 yuan, overdue 1 1 time. If it is a deep account, 1 1 time, 220 points will be deducted for one bad record and 20 points for one bad record. In case of loans overdue, the bank 1 1 time will not grant the loan.