2. The first thing after overdue is repayment. Most people often see two kinds of overdue, namely, overdue credit card repayment and loans overdue; Both cases will be reported to the credit bureau after the deadline, but there are many ways to deal with them before the deadline.
3. If you can't get a loan from the bank after the deadline, you can consider a third-party lending institution, which has more relaxed requirements for the borrower's credit information and faster payment, but users who borrow from third-party institutions need to pay more interest, which is a problem that everyone needs to pay attention to.
In addition, borrowers can raise funds through private lending. Private lending has the characteristics of simple procedures, fast payment and low application threshold. For some friends who need funds in the short term, it can solve the liquidity problem in their hands.
1. Overdue loans are also called "overdue loans" or "overdue loans". Refers to the unpaid part of the loan within the repayment period stipulated in the contract. From the date of overdue, it will be transferred to the overdue loan account, and the words "overdue loan" will be marked on the head of the loan account. In order to urge the loan unit to return the overdue loan as soon as possible, 20% interest will be charged on the overdue part. According to the national loan regulations, if the principal and interest cannot be repaid on schedule, it shall be returned with the retained basic depreciation fund, enterprise fund or retained profit, and shall not occupy the cost, tax or profit.
2. According to the relevant provisions of the Contract Law, the borrower's failure to repay the loan within the time limit stipulated in the loan contract 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 on the overdue part of the loan. Because the parties have a clear agreement in the loan contract, there is generally no dispute about returning the loan principal and paying interest during the loan period agreed in the contract; There is a great dispute between the parties about the interest on overdue loans, and the standards applied by judges in judging such cases are not uniform, which affects the authority of the law. Lawyers believe that it is necessary to integrate this issue so that everyone's understanding can be unified.
3. The funds invested by banks in such loans may or may not be recovered in the future. There is a great possibility of losses, and commercial banks usually have to impose a penalty interest on such loans. Overdue loans are the problem assets of banks, so commercial banks should maintain a high capital reserve, and the reserve ratio is generally 50%.