1. What if the credit is overdue by 450,000 yuan?

1, borrow money from relatives and friends to temporarily make up for the loophole.

If it is only a temporary situation, there will soon be enough funds to ask relatives and friends for help.

2. Apply for deferred repayment.

In case of emergency, such as illness, hospitalization, unemployment, etc., you can contact the bank customer service. Tell the customer service about your real situation, and then apply for deferred repayment.

2. What are the legal consequences of overdue credit extension of 450,000 yuan?

1. Loans will not only generate bad credit records, but also affect other credit businesses in the future.

2. Lending institutions will charge overdue penalty interest and liquidated damages. The longer the overdue time, the more money you need to pay.

3. If the overdue period is long and the amount is large, it may be sued by the lending institution. If the court still refuses to repay the loan after the judgment, it will be included in the "list of untrustworthy executors" and may not take high-speed trains or planes.

3. Will you be sentenced for maliciously defrauding 450,000 loans?

Malicious fraud of 450 thousand loans will be sentenced, suspected of loan fraud. The sentencing basis for loan fraud is as follows:

1. Whoever defrauds a bank or other financial institution in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan;

2. If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan;

3. If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated of property.

4. What are the behaviors of loan fraud?

(a) fabricating false reasons such as introducing funds and projects;

(two) the use of false economic contracts;

(3) using false documents;

(four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral;

(5) obtaining loans by other means.

5. What materials should be prepared for maliciously defrauding 450,000 loans to file a criminal incidental civil lawsuit?

1, criminal incidental civil complaint (if it is difficult to write the complaint, you can sue orally);

2, the plaintiff's identification materials;

3. Relevant evidential materials.

If the loan amount is as high as several hundred thousand yuan, under normal circumstances, the bank will ask the parties to provide a guarantor or collateral. There is really no way, they can exercise the mortgage right or ask the guarantor to bear the guarantee responsibility. Therefore, the specific solution after the credit is overdue cannot be generalized, but the borrower should find a way to deal with it before it is overdue.