Online lending, mbth is Internetlending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly. Up to now, there are about 350 active platforms, and by the end of April 20 15, the total number of online lending platforms has reached 3054.
What are the application conditions for online loan suspension? 0 1
To meet these four points, you can apply for suspension of payment: the cardholder has the willingness to repay; Cardholders have the ability to repay by installments; The cardholder is overdue and cannot repay the arrears in one lump sum; If the cardholder wants to restore the normal living environment, stopping the collection does not want to be implemented.
What are the application conditions for online loan suspension?
Stop payment refers to a way that the cardholder and the bank reach a personalized installment repayment agreement after the credit card is overdue, re-establish the fixed limit, temporary limit and reserve fund in the credit card, and repay it in installments on time every month.
According to Article 70 of the Regulations on the Supervision and Administration of Credit Cards, if the following four points are met, you can apply for suspension of payment:
Condition 1: the cardholder has the willingness to repay;
Condition 2: the cardholder has the ability to repay by installments;
Condition 3: the cardholder is overdue and cannot repay the arrears in one lump sum;
Condition 4: the cardholder wants to restore the normal living environment, stop the collection, and does not want to be executed;
When applying for online loans, borrowers and lenders will sign loan contracts. If your online loan is overdue, you need to calculate interest and liquidated damages according to the contract. Under normal circumstances, the lending institution will not agree to the request to stop paying interest, but you can negotiate with the lending institution to postpone repayment or reduce interest and other relatively reasonable solutions.
After the credit card is overdue, it is essential to pay high liquidated damages and penalty interest. Many people like to pay back a little if they have money, but if they can't pay off together with the principal, the penalty interest and interest will be deducted from the returned money first, and the principal will hardly be reduced. Therefore, the debt problem has not been solved for a long time.
After the credit card is overdue, the cardholder should not blindly pay back the money. The bank's stop-interest repayment plan can help us. If it is confirmed that the credit card debt exceeds the cardholder's repayment ability and the cardholder is still willing to repay, the cardholder can negotiate with the bank on an equal footing and reach a personalized installment repayment agreement.
In other words, the cardholder's credit card is overdue, and he can't repay it in one lump sum, but he still has the willingness to repay it and the ability to repay it in installments. If he wants to return to normal life as soon as possible, he can negotiate with the bank. This can prevent the increase of liquidated damages and collection, and at the same time prevent the collection of banks. The arrears of overdue cardholders can be divided into 60 months at the longest.