If you choose to be overdue, there will be no new liabilities, although there will be a lot of penalty interest from now on. However, compared with the interest generated by loans before, it is really much less. Stop loss in time does not produce new load to get ashore faster. After all, it is better to pay it back as soon as possible, or choose not to lend.

1. How long will loans overdue affect the credit investigation

In the case of two or three days overdue or ten days overdue, banks generally do not submit credit reports, because these days are too normal for many businesses of banks. Moreover, reporting information to the central bank requires a lot of manpower and material resources, so it is enough to pay back the money and fines within a few days or ten days after the deadline, and the credit history will not have any impact. As long as it is overdue for more than 3 to 6 days, the credit will show "2", which means that you are overdue for 6 days, and this record will be kept in your credit record for five years after you repay the loan. For those who are overdue for a long time, it is easy to lose credit, but it is difficult to improve credit. Five years is also a long time to limit one's financial activities. During this period, you can't make any loans, which is a huge loss for business, investment and asset withdrawal. So try not to be overdue, which is responsible for yourself.

Second, how to eliminate the loans overdue record

is as follows: 1. Repay in time. If it is the first time overdue, the overdue time is not long, and it will have little impact after paying off the arrears in time. After all, in addition to reviewing your credit, lending institutions will also rely on other data. In short, loans overdue will return it as soon as possible. Too many times can't eliminate the influence. 2. Complaint: Some overdue records are malicious arrears, which may not be caused by your own reasons. You can try to contact the bank to eliminate relevant credit records. If you don't agree, you can report the complaint. 3. Being overdue, because there are many cases of personal information disclosure. It may be that someone else has stolen your information to apply for a credit card or loan. In this case, you can go to the bank to file an objection application. Under normal circumstances, you can receive a reply within 15 working days, and the overdue bad records will be eliminated.

to sum up, when you borrow money, you should borrow according to your own ability, and don't borrow too much money, so as not to affect your credit record if you don't pay the money. And choose a formal platform when lending, so as not to be cheated, and then you need to pay back a high loan. All the online loans are overdue, and I have paid a few. I have no money, so I have to work hard and pay them back slowly. Now I don't know what to do.

Even if I ask my family and borrow from my friends, I have to find a way to pay them back. If you don't get a loan from the bank, first of all, your personal credit will be destroyed. Secondly, the bank will definitely appeal to the court for repayment. Call and call for payment.

generally speaking, if the final repayment date is more than three days, the lending institution still fails to wait for the repayment amount to appear, and it will ask the borrower for information by phone. Of course, the borrower can also take this opportunity to tell the truth and play a sympathy card for the repayment grace period.

Even if the bank checks the loan at the beginning, it is difficult to predict the major changes that the parties will encounter in their later lives. When they suddenly go bankrupt or are seriously ill, the economic pressure can certainly be imagined. If you still have a loan, then the parties naturally need to know what the consequences will be if the bank loan is not paid in China. If you don't get a loan from the bank, first of all, your personal credit will be destroyed. Secondly, the bank will definitely appeal to the court for repayment.

1. What are the consequences of not getting a bank loan in China

1. Personal credit is damaged

If you have a loan transaction with a bank, all repayment behaviors will be recorded by the central bank's credit information system and truthfully reflected in the credit report. Today, when the credit report is relatively perfect, it will clearly show your overdue repayment days. If you repay the loan beyond the important node of 9 days, then within two years, whether you apply for a bank loan or a credit card, you will be "blocked" by all banks and regret the lack of integrity.

2. Call for payment by phone or at home

Generally speaking, if the final repayment date is more than three days, the lending institution still fails to wait for the repayment amount to appear, and will ask the borrower for information by phone. Of course, the borrower can also take this opportunity to tell the truth and play a sympathy card to strive for a grace period for repayment. However, if the arrears are delayed again and again, the lending institutions no longer have hope, and only when they are disappointed, the next action is likely to be door-to-door collection.

3. Risk of being sued

If the collection fails, the lending institution will take out legal weapons to safeguard its own rights and interests. Under the way of mortgage loan, it will advocate the court to auction the mortgaged property, and the proceeds from the auction will be used to repay the remaining principal and interest, lawyer's fees, legal fees and other expenses in priority, and if there is any remaining amount, it will be returned to the borrower in full. This is an easy process, but it may not be easy to do. At least it will take three months to cash in the assets. During this period, the borrower can raise funds to win the battle for assets and use the return of funds to make the lending institution withdraw the lawsuit. With the convergence of credit loans, borrowers still can't escape legal sanctions, and they need to repay their loans with assets in their own names. So if you can't pay the loan, you must go to the bank to apply for an extension, or you will have to bear the consequences yourself!

2. Precautions for loan

1. Do not use the provident fund before applying for a loan. If the borrower withdraws the balance of the provident fund before the loan to pay the house payment, then the balance of the provident fund in your provident fund account will be zero, so your provident fund loan amount will be zero, which means that you will not apply for a provident fund loan.

2. Don't prepay the loan within the first year. According to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount you return should exceed the repayment amount of six months.

3. Don't lose the loan contract and iou. To apply for a mortgage loan, the loan contract and the iou signed by the bank with you are all important legal documents. As the loan term can be up to 3 years, as a borrower, you should take good care of your contracts and IOUs.

4. Don't forget to look for the bank around you if you have difficulty repaying the loan. When your debt-paying ability drops during the loan period and you have difficulty in repaying the loan, don't insist on it yourself. ICBC's customers can apply to ICBC for extending the loan term. After investigation by the bank, ICBC will accept your application for extending the loan term if there is no default in repayment of the loan principal and interest.

5. Don't forget the obligation to inform when renting the house after the loan. When you rent the mortgaged house during the loan period, you must inform the lessee of the mortgaged fact in writing.

6. Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can go to the real estate trading center in the district or county where the property is located to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the collateral.

Generally, banks will take this way of filing a lawsuit only after repeated collection is ineffective. In fact, applicants for loans should not feel wronged. After all, banks are not charitable organizations, and they will not be unable to repay their loans because lenders encounter some major changes. Therefore, before applying for bank loans, they must do a good job in all aspects. How to solve if all online loans are overdue?

Online loan is the abbreviation of online loan, including individual peer-to-peer lending and online microfinance. P2P online lending refers to direct lending between individuals through the Internet platform.

you should repay the arrears as soon as possible, otherwise you may have to bear high overdue interest rates, related legal responsibilities, fancy collection, personal credit stain, etc.

Article 29 of the Supreme Court's Relevant Provisions on Private Lending stipulates that if both borrowers and lenders have an agreement on overdue interest rate, such agreement shall prevail, but the annual interest rate shall not exceed 24%. If the overdue interest rate is not agreed or the agreement is unclear, the people's court can handle it according to different situations:

(1) If neither the interest rate during the loan period nor the overdue interest rate is agreed, the people's court shall support the lender's claim that the borrower should pay the interest during the capital occupation period at the annual interest rate of 6% from the date of overdue repayment;

(2) The people's court shall support the lender's claim that the borrower shall pay the interest during the period of capital occupation at the interest rate within the loan period from the date of overdue repayment, if the interest rate within the loan period is agreed but the overdue interest rate is not agreed.

For more information about what to do if all online loans are overdue, enter: See more information. What should I do if all online loans are overdue?

Users' online loans are overdue. The best way is to negotiate repayment with online lending institutions. At the same time, it is a great pressure for users to return all overdue online loans, but after consultation, they will be repaid in batches, so that online loans with credit information can be returned first, and those with credit information can not be returned later.

In this way, overdue online loans can be paid off, and personal credit information can be restored as soon as possible, which is more reasonable for users.