1. If the quick loan is not repaid, the overdue record will be uploaded to the People's Bank of China for credit investigation. The longer the overdue time, the greater the impact on credit reporting.
2. If you don't pay it back for more than 3 months, you may be sued by the bank and may face court enforcement.
3. The fast loan will also charge overdue penalty interest on a daily basis, increasing the repayment burden of the lender.
4. Quick loans will not be collected by banks. Sending you a text message to remind you of the repayment call will have a certain impact on you and your family, and may have a certain impact on your daily life.
5. The fast loan amount will be frozen or reduced.
6. The fast loan amount will be frozen or reduced.
7. Affect other loan applications.
8. Unable to enjoy preferential loan policy.
9. Will be blacklisted.
10, malicious overdue will be prosecuted. Face criminal responsibility.
CCB's fast loan can be overdue for several days.
It is recommended not to be overdue, otherwise it will have an impact on personal credit information.
Overdue may have the following consequences:
I. being sued
Fast loans overdue for more than 90 days will be regarded as malicious overdue. If the repayment is not made after 120 days, the bank may bring a lawsuit to the court;
If the bank fails to repay the loan after winning the case and fails to perform the court's judgment during the performance period, it may apply to the court for compulsory execution;
When the court accepts enforcement, it will inquire about the real estate, vehicles, securities and deposits under the name of the lender according to law;
If the lender refuses to execute the effective judgment of the court because there is no enforceable property under his name, it will be included in the list of people who have been executed in bad faith, which will affect travel, consumption, children's schooling and even judicial custody.
Second, the impact of credit reporting.
If you are blacklisted by the bank and your credit record is hacked, you can't handle credit card, loan, car loan, mortgage and other businesses that need to check your credit in the future.
If the arrears are not paid, the bad records will never be eliminated. After the arrears are paid off, the bad records will be automatically eliminated after 5 years.
Extended data
The fast loan period of CCB: the longest 1 year, which can be recycled. Within the validity period of the line, it can be used and repaid at any time.
China Construction Bank's loan is fast: it can be withdrawn independently; You can shop on the domestic e-commerce website and pay with the "loan account" in online banking payment; You can use the debit card of the fast loan sign to swipe your card at the merchant POS.
Interest calculation of CCB's fast loan: you can sign a contract to lock the quota and interest rate first, valid for one year, and charge no interest if you don't use it. Use the loan at any time within the validity period, and calculate the interest on a daily basis according to the actual number of days of use, saving money and caring.
What will happen if CCB's fast loan is overdue?
China Construction Bank's fast loan is a high-quality credit product, which includes many different loan products. Because of the fast payment and low interest rate, there are many applicants. Be sure to remember that you must repay the loan on time, otherwise there will be serious consequences if it is overdue. So what happens when CCB's fast loan is overdue?
1. Bad credit: Once the bank loans overdue, it will be reflected in the credit report in the form of consumer credit. As long as you don't pay it back within the time limit, the bank will report the applicant's overdue record to the central bank. This will leave bad credit on the credit report, even if it cannot be eliminated within 5 years after repayment. Don't underestimate the stain of the credit report. It may not matter much at ordinary times, but you won't know the importance of credit report until you apply for loans, credit cards, mortgages and car loans from the bank.
2. Penalty interest: If CCB Express Loan fails to repay in time on the repayment date, it will be overdue from the next day, and the overdue penalty interest will be calculated. In loans overdue, the penalty interest rate rises by 50% on the original loan interest rate level, and the overdue penalty interest will be accumulated into the bill amount of next month, which is not a small amount, increasing the repayment burden.
3. Being sued: Simply put, if the overdue time is short, it will only affect the credit at most. If it is overdue for more than 90 days, that is, there are three unpaid installments, then it is maliciously overdue, and the bank can take legal measures to sue the court to recover the money. If the court refuses to repay the loan after the judgment, it may be included in the list of untrustworthy people and even go to jail.
Generally speaking, after the fast loan of CCB is overdue, the bank will immediately freeze the right to use it, and only after repayment will there be a chance to reopen it.
What will happen if the fast loan is overdue for 3 thousand
It is suggested to repay the arrears as soon as possible, which will lead to serious overdue:
First, bear high overdue fees.
For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue.
Second, undertake the fancy collection of the platform.
The collection is generally divided into three stages: the first stage, just a few days after the overdue, the platform customer service MM will gently remind you that it is overdue, please repay it on time; In the second stage, if it is overdue for a long time, the platform customer service will seriously warn that the threat of overdue will face serious consequences; In the third stage, it was overdue for a long time, and the platform stopped trying to convince the other party and began to take practical actions.
There are many practical actions, such as: the platform pushes your arrears information to your relatives and friends, which makes you lose face in the circle of friends; The platform arranges special collection personnel to collect money at home and communicate face to face to collect accounts. Of course, these are still relatively mild. Some platforms outsource collection, and special collection companies collect them. The collection company "violent collection" that broke out some time ago believes that borrowers are not willing to encounter it.
Third, the People's Bank of China is tainted.
At present, most online lending platforms have not been connected to PBOC's credit information system, but it has become an inevitable trend to connect to PBOC's credit information system. In the future, if the online lending platform fails to repay the loan within the time limit, it will be recorded in the credit information system of the People's Bank of China, just like bank loans and credit cards that are overdue, causing credit stains. If the previous consequence is only losing face, then the stain of credit information will affect real life, and there is no way to borrow money if you want to buy a house, no way to mortgage if you want to buy a car, and so on.
Fourth, the defendant went to court.
After the loan is overdue for a long time or deliberately not repaid, after the amount exceeds 2000, it can already constitute a fraud crime and is in danger of being sued by the online lending platform. Once the court decides that the online lending platform wins the case, the borrower not only has to pay the money that needs to be repaid, but also pays the litigation costs and huge fines of both parties, and even faces jail time.
Data expansion:
1. Traditional loans (also called offline loans) refer to loan applications submitted through banks in real life. )
Second, online loans (also known as online loans, which refer to online loans submitting applications) are P2P financial loans.
The establishment of P2P was born between fundraisers and investors. Compared with traditional loans, Internet finance can avoid risks such as illegal fund-raising, bad debts and running away. Internet finance has no fixed investment group, which can effectively solve the safety of platform operation and protect the interests of investors.
3. Mobile loan (refers to submitting a loan application through the mobile loan app, which is flexible and convenient anytime and anywhere)
Basic loan terms:
Loan target: China citizens aged 18 to 60 with full capacity for civil conduct.
Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.
Application materials to be provided:
(1) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.
(2) the guarantor's credit certification materials.
(3) Collateral appraisal report issued by the socially recognized appraisal department.
(4) Other documents and materials as stipulated by the Construction Bank.
(5) Original and photocopy of the borrower's valid identity certificate.
(6) local permanent residence or valid residence identity certificate.
(7) The borrower shall produce the income certificate issued by the employer, the borrower's tax bill and insurance policy.
(8) The pledge right required for the borrower to obtain the pledge and the amount of mortgage, the list of collateral and the ownership certificate, the written document of the owner and the property that someone agrees to pledge and mortgage.
(9) The borrower also needs to provide the bill for the hydropower property where the company is located and the bill for the hydropower property with personal address.
5. Loan term: The maximum validity period of the mortgage line is 5 years, the expiry date of the pledge line shall not exceed the expiry date of the pledge right, and the maximum validity period of the credit line and guarantee line shall not exceed 5 years. The validity period of the line shall be calculated from the effective date of the loan contract. If the borrower applies for two or more lines of pledge, mortgage, guarantee or credit at the same time, the Construction Bank will verify the validity of the borrower's personal consumption line loan according to the shortest line. After the limit expires, it is not allowed to continue to withdraw the remaining limit.
6 .？ Loan interest rate: it is subject to the loan interest rate regulations of China Construction Bank.
Source: Baidu Encyclopedia: Loan