Usually, when the loan is not paid in full on the interest payment date, the bank will temporarily list it as a collection note and call the borrower to remind him to repay it within 7 days. Make up the loan within 7 days, and the bank will not charge any late fees. However, if the loan is not repaid for more than 7 days, the bank will classify the loan as "collection" and "deferred repayment", and then it must pay a late fee or penalty interest.
2. Pull into the blacklist and record it in the bad credit file.
The name of the lender will appear in the internal system of the bank the day after the deadline, 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 you enter the blacklist, mortgages 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. Can't enjoy preferential loans.
For mortgage loans, if there are many overdue repayment records in the past loan records, even if they are not blacklisted, they may not be able to obtain the preferential interest rate of bank mortgage smoothly, or even be refused a new mortgage, except for the penalty interest for overdue repayment.
5, no flying, high-speed rail, driving, children can not go to aristocratic schools.
Once blacklisted, people who refuse to carry out court judgments or rulings will not be able to fly or take high-speed trains? Children can't go to high-cost schools, and they can't be legal representatives of new companies; There will be more punishments in the future, so it can be said that life is hard.
6. It may affect personal 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 also sue.
7. Be sued by the bank and executed by the court.
If a lawsuit is filed, the court will take property preservation measures according to the creditor's application, freeze the deposits of the lender and the loan guarantor, and seal up the corresponding real estate, vehicles and other property. 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 he has the ability to refuse to implement the effective legal documents, the person subjected to execution will be subject to legal sanctions, including judicial detention, until he assumes criminal responsibility.
Extended data:
Tips for avoiding overdue
1, deposit 2 days in advance 1.
Loan deduction will be automatically deducted by the system in the early morning of the day of deduction. If the deduction amount is always deposited on the day of deduction, it will be one day overdue. It is recommended that you deposit enough money before the deduction date 1 2 days.
2. Write down the repayment amount and date.
You can remember your repayment amount and date by inquiring about lending institutions, online banking, mobile banking, customer service telephone and other channels. Especially when using repayment methods with different monthly payments, such as average capital, you must ensure that the amount of the deduction account is greater than the repayment amount, otherwise you will lose more than you gain because you save a few yuan or a few cents less.
3. Make good use of e-banking channels to repay money anytime and anywhere.
The repayment of personal loans can be entrusted not only by bank cards, but also through online banking, mobile banking, self-service teller machines and other channels, which is convenient and fast.