If the enterprise fails to repay the bank loan in time, it will have a bad credit record (default record) in the bank. On the one hand, enterprises will bear higher penalty interest and increase their financial costs; On the other hand, it will affect the refinancing of enterprises, and banks will not issue new loans to enterprises with bad records.
Second, the enterprise failed to repay the bank loan in time, what impact did it have on the enterprise?
It's not a problem to have two pens, but it's a problem to have more than two pens. In addition, some banks do not synchronize the bad repayment records in time and return them between the repayment date and the next billing date. It may not be synchronized at all, and there is no bad record.
Third, the other party owes money to our company. What will happen to the other party and the other company?
Apply for property preservation and freezing before litigation. Creditors may apply to seal up the company property under the name of an individual and demand repayment. Legal Basis Article 2 The people's court may seal up, detain and freeze all movable property of the person subjected to execution, immovable property registered in the name of the person subjected to execution, specific movable property and other property rights. Unregistered buildings and land use rights shall be determined according to the approval documents of land use rights and other relevant evidence. If a third party confirms in writing that the movable property possessed by the third party or the immovable property, specific movable property and other property rights registered in the name of the third party belong to the person subjected to execution, the people's court may seal it up, detain it or freeze it. Execution of Extended Data Order (1) Preservation execution refers to the compulsory measures taken to maintain the status quo of the subject matter, determine and protect the evidence in order to prevent the judgment or ruling from being impossible or difficult to execute due to the behavior of one party or other reasons, and the evidence may be lost or difficult to obtain later. (2) The execution of preservation includes property preservation and evidence preservation, with property preservation as the main content. (three) the implementation of preservation should adhere to the principle of combining compulsory measures with legal education, actively strive for the cooperation and support of the parties to the case or the relevant departments, pay attention to social effects, and maintain social stability. The enterprises and institutions directly under the district, the three enterprises directly under the oilfield and the public institutions (schools, education, medical care and health) with repayment ability must use safety measures with caution and report the implementation of safety to the competent dean in time.
4. What will happen if the company is unable to repay the bank loan?
The consequences of corporate bank loans overdue are:
1. In case of default interest, 50% interest will be added.
Although the policies of each lending institution are different, on the whole, banks will be more accommodating than small loan companies. Credit loans overdue, the lender will first collect the loan, remind the borrower to repay, and the interest rate will rise as a daily penalty.
Penalty interest varies from lending institution to lending institution. For example, Citibank will charge 50% interest on the basis of the original interest rate, and some small loan companies may charge more liquidated damages. This means that you borrowed an estimated 65,438+100000 yuan, but if you don't pay it back for more than three months, you may end up paying interest and late fees of 65,438+100000 yuan.
2. Have a bad credit record, which will affect future loans and credit card processing.
When overdue occurs the next day, the lender's name will appear in the internal system of the bank at the same time, and then the president and the risk control meeting will see it. After the deadline, the credit report will inevitably leave a bad record. Once you stay, you may be locked up for 3-7 years. If you want to borrow from other banks in the future, you may not be able to apply easily because of bad credit.
If the overdue situation is serious, the mortgage and car loan will be affected in the future. Penalty interest is just a summary of gold.
On the consequences of the company's inability to repay bank loans
The consequences of corporate bank loans overdue are:
1. In case of default interest, 50% interest will be added.
Although the policies of each lending institution are different, on the whole, banks will be more accommodating than small loan companies. Credit loans overdue, the lender will first collect the loan, remind the borrower to repay, and the interest rate will rise as a daily penalty.
Penalty interest varies from lending institution to lending institution. For example, Citibank will charge 50% interest on the basis of the original interest rate, and some small loan companies may charge more liquidated damages. This means that you borrowed an estimated 65,438+100000 yuan, but if you don't pay it back for more than three months, you may end up paying interest and late fees of 65,438+100000 yuan.
2. Have a bad credit record, which will affect future loans and credit card processing.
When overdue occurs the next day, the lender's name will appear in the internal system of the bank at the same time, and then the president and the risk control meeting will see it. After the deadline, the credit report will inevitably leave a bad record. Once you stay, you may be locked up for 3-7 years. If you want to borrow from other banks in the future, you may not be able to apply easily because of bad credit.
If the overdue situation is serious, the mortgage and car loan will be affected in the future. Penalty interest is just a golden answer.
Penalty interest is only the loss of money, while bad credit records are the loss of intangible assets, and the impact is irreparable by money.
3. You can't enjoy preferential loans or even apply for loans.
When many people apply for a mortgage again, they find that they have left too many overdue repayment records on the old mortgage because of carelessness. In addition to the penalty interest for overdue mortgage repayment, they may not be able to obtain the preferential interest rate of bank mortgage smoothly. What's more, it is impossible to apply for a mortgage.
4. Close the blacklist, children can't go to key schools.
For some "Lao Lai" who deliberately delay bank debts, they will be blacklisted. So that you can't fly, high-speed rail, accommodation, etc. ; More seriously, children will not be able to go to key schools; There will be more punishments in the future, so it can be said that life is hard.
5. The bank sent a lawyer's letter.
If you don't pay the bill for more than 3 months, it will be very serious! According to the loan contract and guarantee contract (mortgage or pledge contract), the lending bank will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and the loan guarantor and sealing up the pledged property.
6. After the judgment is made, it will be enforced.
After the judgment is made, the property will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, and all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property.
7. Those with serious circumstances will be punished by law.
If you have the ability to refuse to implement the effective legal documents, you will be punished by law. When the debtor is unable to repay, the guarantor shall be liable for repayment. answer
Honey, I hope I can help you answer [laughs]
The problem is that the bank refuses to negotiate repayment. I'm not asking questions.
Then this is the problem of the bank. Oh, answer
How to deal with a problem like this?
Negotiate repayment If the bank doesn't agree, the user can try to prepare relevant information for renegotiation. If the renegotiation still fails, the user can only choose to repay according to the requirements of the bank. In this way, users can get paid through work, or seek help from friends and family to pay off bank debts first. answer
Can only repeat, the bank can't answer.
Can't answer.
It is best to answer as many as you can.
Repeat the answers to be negotiated several times.
What information should I prepare for asking questions?
Provide proof of inability to repay, such as illness certificate, unemployment certificate, etc. Let the bank believe that it is really unable to pay off the money, rather than deliberately not paying it back. According to the relevant regulations, if you are unable to repay, you can negotiate with the bank, because the bank knows that you really have no money to repay and will consider it as appropriate. answer
All right, ask questions when you know.
I hope I can help you answer.
Can you give me a compliment? Please answer.
Thank you for your answer [laughs].
Give a question
All right, answer.
Thank you for your answers.