1. Lending is a civil matter, and generally you won't go to jail. If the other party fails to repay the debt within the prescribed time limit, it can be enforced, and at the same time it needs to bear double interest on the debt.
4. When accepting enforcement, the debtor's property, vehicles, securities and deposits will be inquired according to law.
5. In addition, if the debtor has no property to execute and refuses to perform the effective judgment, negative information such as overdue payment will be recorded in his personal credit report, and he will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.
6. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.
Second, the letter and Huijin loan problem?
The monthly interest rate of Huijin in credit cooperatives is 2.56%, about 24 installments, and the penalty for prepayment is very high. Extended answer: China large-scale specialized credit loan and mortgage loan enterprise (Beijing) Co., Ltd., which is committed to building high coverage and high efficiency, has been recognized by many companies and institutions. Main products: credit loans and mortgage loans. Xinhe Huijin Loan will not grant credit. Xinhe Fortune is a company integrating national risk assessment and management, credit data integration services, microfinance industry investment and credit micro-platform services.
3. What will happen to Xinhe Huijin Loan?
Encounter penalty interest and liquidated damages. If the loan is not repaid, the first thing you encounter is a high penalty interest. Some financial institutions need you to pay liquidated damages on the basis of penalty interest. These expenses add up to a lot of money.
Credit damage. If you borrow money from the bank and fail to pay it back within the time limit, your personal credit report will be stained, and it will be more difficult to apply for credit cards and loans in the future. Even if the company is not included in the credit report, there is a "blacklist" system that * * * enjoys in the circle. If a company does not pay back, it will be difficult to approve other loans.
Collected in various ways. Banks and small loan companies have their own collection systems. Novices will send you text messages and call you to urge you. In severe cases, there will even be people who collect money all day long, which will seriously disrupt your work and life.
Through, assets may be frozen. Financial institutions will also arm themselves with laws. If you don't pay back the arrears, if the amount is relatively large, you will be paid. Once the court makes a verdict, even if you are reluctant, you must execute the Repayment Decision, otherwise the property under your name will be sealed up according to law, and the proceeds from the auction will be used to repay the arrears.
Extended data:
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.
The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.
(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.
(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.
(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.
The loan relationship only occurs between the parties. For loans that are greeted or written by leaders, relatives, friends, classmates and comrades-in-arms, the loan conditions shall not be relaxed. Do not meet the loan conditions, no loans.
For loans with large loan amount and long term, or loans used by borrowers for specific purposes, lawyers, accountants and other professionals should be hired to make professional judgments and provide expert opinions on related matters.