1. If the borrower is overdue within the grace period and repays the loan in time, it is not overdue, and there will be penalties beyond the grace period.

2. The overdue fine for taking a loan is generally calculated at the daily interest rate of 5/10000.

3. Long overdue time will have a serious impact on credit records.

4. It will have a certain impact on the application, which will slightly reduce the withdrawal amount.

5. Enter personal credit records with more than 60 diaries overdue.

6. Records overdue for more than 90 days are regarded as bad credit reports.

Overdue auction loans will also affect the online black index score of users, if the online black index score is too low. The low score of the Internet Black Index will not only affect the mortgage success rate, but also affect the users' flower beds and flower beds, and even lead to the closure of flower beds and flower beds.

The impact of the blacklist of online loans on individuals is to apply for new loans, which is difficult to approve again. Although online lending is very convenient now, we must spend rationally, pay attention to repayment on time, and maintain our credit record. Long-term application for online loans must pay attention to your own online loan big data to prevent it from becoming a blacklist of online loans because of blind application.

On WeChat search: Xiaoqixin search. Click Query, enter information to query your own 100-line credit data, which come from the national online lending platform and UnionPay. Users can query their own big data and credit status, obtain various index data, and query their own personal credit status, blacklist status, online loan application records, application platform types, online loan credit line estimation and other important data information.

Compared with the central bank's personal credit report, online lending big data has a wider scope and more diverse institutions. It is a part of personal credit records and a useful supplement to the traditional personal credit report.