Is it okay to force a black online loan to be withdrawn without repayment?

It will definitely not work if you don’t pay it back. Regardless of whether the loan company is a black network loan or a regular loan company, as long as the other party lends you the money and you use it, then you must repay it in time. More importantly, these black network loan companies often use violent reminders. If you don't repay the loan, they will use whatever means they can. They may even blast your phone number and contact your relatives, friends, and colleagues to put pressure on you.

If the interest rate of a black online loan is too high, you can communicate this with the other party, because the court has regulations on the interest rate of the loan. If it exceeds the upper limit, it is illegal. If the other party forces the payment, And the interest rate is very high, so we can tell the other party that we are willing to repay Beijing, but we will not pay so much interest. If the other party does not give in at all, then we can go to the police to deal with it, or we can ask the lawyer what to do. Do not have a head-on conflict with the other party. These black online loan companies are violent in nature. If not handled properly, it is likely to ruin your reputation.

Never have the mentality of not paying back a loan. Because it is true that many online loan companies have gone bankrupt, and many people just hope that after borrowing money from the loan company, they will not have to repay it when the company goes bankrupt. However, it is not that simple. These black online loan companies have specialized debt collectors. It will read the address book of your mobile phone. As long as you don't pay back the money, it will call all the people you know. For people who don't play by the rules, either pay back the money in time or... Call the police directly and confront the other party head-on.

In life, it is best for us not to borrow money from these black online loans. If the other party forces the payment, in order to avoid subsequent troubles, we should suffer a small loss and repay the money in time. In life, we are poor Just borrow money from your friends or relatives, so that there will be no violent debt collection, and even if you don't pay back in time, there won't be too serious consequences. My online loan is overdue, can I still get a loan?

You can still apply for a loan after the online loan is overdue, but whether you can successfully apply for it depends on the situation. It depends on whether the online loan platform will include credit information, third-party platform credit information, and big data information. letter. If you pass the credit report, the loan company will see your personal credit record from these systems the next time you apply for a loan. Of course, it will also see your overdue record, which will make the loan company carefully consider your application. Apply, because loan companies will avoid risks and reduce losses, so try to pay off all outstanding debts to avoid affecting your future credit card and loan applications.

Extended information:

Personal loan conditions:

1. Natural persons aged 18-60 years old (Hong Kong, Macao, Taiwan and foreigners are also acceptable); with stable A job and a stable income as well as the ability to repay principal and interest on time.

2. The borrower’s age plus the loan application period cannot exceed 70 years old, and the borrower must provide some personal information. Can a borrower still borrow money if his online loan is overdue?

1. Can the borrower still borrow money if the online loan is overdue? Generally, the borrower cannot borrow money if the online loan is overdue. According to Article 27 of the "Credit Industry Management Regulations": The state establishes a basic financial credit information database to provide relevant information services to prevent financial risks and promote the development of the financial industry. The basic database of financial credit information is constructed, operated and maintained by professional operating institutions. This operating organization is not for profit and is supervised and managed by the credit reporting industry supervision and administration department of the State Council. At present, many loan companies have big data backend support. Even lending institutions that are not credit-worthy will prompt the borrower's past borrowing and repayment records when entering information. If there is an overdue online loan and no repayment, , it is very likely that you will be judged as having bad credit and will be unable to apply for other loans. 2. What are the consequences of overdue online loans? 1. Overdue penalty interest will be imposed. No matter what kind of online loan you apply for, once the repayment is overdue, the lending institution will not only notify the borrower of timely repayment as soon as possible, but also Penalty interest will be calculated and charged according to corresponding standards (some products also have liquidated damages). Taking Jingdong Baitiao as an example, if it is not installmentd, you can enjoy a 30-day interest-free period, and normal repayment will not incur fees. If you apply for installment, in addition to the installment handling fee of 0.5%/month, if you still fail to repay after multiple reminders, you will be charged liquidated damages at the daily interest rate of 0.03% (that is, three ten thousandths).

Like Huabei, once the repayment is overdue, penalty interest will be charged at a daily interest rate of 0.05% or a loan interest rate increased by 50%. The longer the time, the greater the penalty. The interest and penalties are rolling up, which is scary. 2. Overdue records will be recorded in the credit report. Although the application for Huabei, Jiebei, and Baitiao mainly refers to your Zhima credit score and third-party credit score. Only if your credit score meets the standard are you eligible to apply. However, once it is overdue, it may be reported to the central bank's credit reporting system, such as Alipay. Although many online loans have not yet been connected to the credit reporting system, they may be connected to the credit reporting system soon. 3. Will be subject to various collections. If the borrower fails to repay the loan, the lending institution will go through collection procedures in order to recover the arrears. Common ones include text message collection, phone collection, and door-to-door collection. Not only will your own life be affected by then, but if you leave an emergency contact or your address book is read, your relatives and friends will also be harassed by various collection calls. 4. People who have been blacklisted by banks will not be able to take flights, high-speed rail, accommodation, etc. What is more serious is that their children will not be able to attend key schools; there will be more penalties in the future, which can be said to affect life It will be difficult to move even an inch. 5. You will be sued by the court and the mortgaged property will be seized. If you have not paid for more than 3 months, it will be very serious! The lending bank will collect the due loan in accordance with the law. According to the provisions of the loan contract and the guarantee contract (mortgage or pledge contract), A lawsuit will be filed in court, and the court will take property preservation and other measures, including freezing the deposits in all bank accounts of the lender and loan guarantor, seizing the mortgaged properties, etc. At present, there are many credit loan companies and online loan platforms in society. Their loan procedures are simple and funds arrive quickly, making them the first choice for many people who are short of funds. If a loan is not repaid for some reason, we call it overdue. Overdue payment will have many negative consequences, and in severe cases, it will affect an individual's credit score and affect their future basic necessities, food, housing, and transportation.