Bank loans overdue refers to the unpaid portion of the loan within the repayment period stipulated in the contract. From the date of overdue, transfer to the overdue loan account, and indicate the words "overdue loan" in the header of the loan account.

In order to urge the loan unit to return the overdue loan as soon as possible, 20% interest will be charged on the overdue part. According to the national loan regulations, if the principal and interest cannot be repaid on schedule, it shall be returned with the retained basic depreciation fund, enterprise fund or retained profit, and shall not be squeezed into the cost, occupy taxes or collect profits.

Note: According to the relevant provisions of the Contract Law, the borrower's failure to repay the loan within the time limit stipulated in the loan contract is a breach of contract and should bear the liability for breach of contract. The ways to bear the liability for breach of contract include returning the loan principal, paying the interest during the loan period agreed in the contract and paying the interest of loans overdue.

Repaying the loan principal and paying interest within the loan period agreed in the contract will generally not cause disputes because the parties have clearly agreed in the loan contract; There is a great dispute between the parties about the interest on overdue loans, and the standards applied by judges in hearing such cases are not uniform, which affects the authority of the law.

Extended data:

How to collect overdue loans:

First, you can play the card of the bank and charge interest on the arrears of customers who owe money?

Issue an effective written notice in advance, claiming that the bank has collected the loan from the other party and set a repayment period for the other party. If the other party fails to repay the bank loan within the time limit, the bank will punish the other party according to "what" measures. Therefore, the company requires customers who are in arrears with the sales payment to repay within a certain period of time, otherwise they will be forced to add interest. This is easy for ordinary debtors to accept and makes them feel that the company has to do it.

Second, seize the opportunity to call to collect the arrears.

It is easier for the debtor to cooperate with you by calling when he is in the best mood. For example, it's best to start calling at 3:30 pm, because they are usually busy in the morning. It's a good idea to leave debtors half a day to do business, so that they have enough time to enter the normal working state, and they are generally in a better mood when they are more relaxed in the afternoon.

Baidu Encyclopedia-loans overdue