The overdue loan ratio refers to the proportion of overdue loans to all loans, which is used to reflect the timely repayment of loans. It is a risk procedure 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 calculation formula of overdue loan ratio is as follows: the average overdue loan ratio of the total balance of overdue loans at the end of the period = the average balance of overdue loans in the whole period/loans in the whole period.
Second, how to calculate the overdue rate?
Overdue loan ratio at the end of the period = overdue loan balance at the end of the period/total loan balance at the end of the period.
1. Additional penalty interest and overdue liquidated damages will be generated after overdue. Penalty interest is calculated on a daily basis, and penalty interest and liquidated damages are also compound interest. The longer the overdue period, the higher the debt; After the deadline, there will be overdue records of credit information, which will have an impact on buying a house and buying a car loan in the future.
2. Minimum repayment amount: As long as the minimum repayment amount is paid on the repayment date, it is best for cardholders who have no arrears in the short term to choose this emergency method; Repayment by installments: after repayment by installments is selected, it is still necessary to ensure timely and full repayment every month. Generally, missing the repayment period will cause overdue and lead to bad credit records.
3. What is the overdue rate and its calculation formula?
The overdue loan ratio refers to the proportion of overdue loans to all loans. The overdue loan ratio is used to reflect the repayment of loans on schedule, and to reflect the efficiency of loan and asset risk procedures from the perspective of whether they are repaid on schedule. The purpose of monitoring the overdue loan ratio is to promote banks to properly handle overdue loans as soon as possible.
Four. What is overdue rate, how to calculate overdue rate and the calculation formula of overdue loan rate.
Overdue rate: the overdue loan rate refers to the proportion of overdue loan balance to the current loan balance. The overdue loan ratio is used to reflect the repayment of loans on schedule, and to reflect the efficiency of loan and asset risk procedures from the perspective of whether they are repaid on schedule. How to calculate: it can be calculated according to the ending balance and the average balance. Overdue loan ratio at the end of the period = overdue loan balance at the end of the period/total loan balance at the end of the period = average overdue loan ratio/average overdue loan balance. The average overdue loan balance in the formula refers to the actual overdue amount, including overdue extension and short-term sharing. Under normal circumstances, the proportion of overdue loans shall not exceed 8%. The lower the ratio, the better the recovery of loan principal, the better the efficiency of capital use and the lower the asset risk, and vice versa. Calculation formula: 1, overdue loan ratio at the end of the period = overdue loan balance at the end of the period/total loan balance at the end of the period 2, and average overdue loan ratio = average overdue loan balance (actual overdue amount)/average loan balance at the end of the period. Extended data:
The consequences of overdue. 1. Penalty interest usually occurs when the loan is not fully paid off on the interest payment date. The bank will temporarily list it as a collection note and call the borrower to remind him to repay within 7 days. If it is paid within 7 days, the bank will not charge any late fees. However, if the payment is overdue for more than 7 days, the bank will classify the loan as "collection" and "deferred payment", and then you must pay the late payment fee or penalty interest. The penalty interest of each lending institution is different. For example, Citibank's penalty interest rate is 50% higher than the original interest rate. 2. The second day after being blacklisted and recorded in the bad credit file, the name of the lender will appear in the internal system of the bank, and the credit report will inevitably leave a bad record. If you haven't paid your bill for more than three months, it's very serious. Borrowers will be recorded with bad credit records in the joint credit center, commonly known as the "blacklist", which may be retained for more than 3 years. 3. Affect future loans and credit cards. As long as they are blacklisted, mortgage loans and car loans will be affected. Penalty interest is only a loss of money, and a bad credit record is a loss of intangible assets, and its influence cannot be compensated by money. 4. If you can't enjoy the preferential mortgage, if there are many overdue repayment records in the past loan records, even if you don't enter the blacklist, you may not be able to get the preferential interest rate of bank mortgage smoothly, or even be refused a new mortgage, except for the penalty interest for overdue mortgage repayment. 5. Can't fly, can't drive, and children can't go to aristocratic schools. Once a person who refuses to execute a judgment or ruling is blacklisted, he can't fly, and the children of high-speed rail can't go to a high-consumption school or serve as the legal representative of the new company; There will be more punishments in the future, so it can be said that life is hard. 6. It may affect a person's career. For students whose loans are overdue for more than 90 days in a row, banks or schools can publish their names, photos, ID numbers and overdue information in the media, or inform their work units, and banks will do the same. 7. If the bank is executed, it will take property preservation measures according to the creditor's application, freeze the deposits of lenders and loan guarantors, and seal up the corresponding properties such as real estate and vehicles. After the judgment, it will be enforced according to law. 8. Those with serious circumstances will be punished by law until they are sentenced. If the person who refuses to implement the effective legal documents has the ability, the person subjected to execution will be punished by law, including judicial custody, until he bears criminal responsibility.