Being able to owe a debt of 3 million shows that you have a certain economic ability, or have had a certain economic ability.
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But judging from your debt structure, your business operation has been in a tight stage, and your ability to resist risks is extremely low.
First of all, you have a bank loan of 600,000 yuan, which means that you had a certain scale of operation before, so you can get the approval of the bank. However, the scale of bank loans is not large, which belongs to the category of private enterprises' main loans or small loans in nature, so it shows that your business scale is not large.
Secondly, you borrowed 6,543,800 yuan from relatives and friends, which shows that your personal reputation is not bad, otherwise the personal loan of 6,543,800 yuan is also a big problem.
Third, your problem lies in 165438+ 10,000 credit cards and 1 10,000 P2P credit cards. Even if you don't fail to start a business, it will cause you a serious burden, because the credit card of 1 10,000 is originally used for short-term turnover, and the credit card amount will change. Once there is a problem with the credit card limit of a bank, it may be difficult for you to turn over. The interest rate of P2P loans is too high, generally between 15-36%, and some may even achieve an annualized rate of return of 50- 100%, which will have a great financial burden and repayment pressure for you who are already short of funds.
What should we do now?
First of all, your handling of the 6,543,800 yuan for relatives and friends is very rational and wise.
After all, your reputation is still there, and people still trust you. Therefore, because of your sincere attitude to solve the problem, everyone basically agreed to stop paying you the principal, so you appeased 6.5438+0 million of the 3 million, which is commendable.
Secondly, although it doesn't matter right or wrong for P2P to give up repayment, it will also face serious consequences after giving up repayment.
Some P2P companies are still listed on the Shanghai Stock Exchange, and some collection methods are varied, which makes your life and business uneasy. So you should take the initiative to contact them, try to reduce the interest rate and the grace period for repayment, which is more active.
Third, the bank loan will definitely be collected at the meeting, which may have a greater impact on your future.
Originally, your financing channel was relatively narrow, and the bank loan was 300,000. If you don't repay the loan, it is inevitable to go to the credit bureau. At the same time, the bank will also sue you and seal up your bank account and property, and eventually you may be included in the old list, which will have a great impact on your life. But what is clear is that the bank loan of 600,000 won't go to jail, but you have to bear the economic consequences and credit losses.
Fourth, the credit card 165438+ 10,000 yuan may be a troublesome problem.
If your credit card is overdue, you will face penalty interest and charge late fees, which will make those who already have financial problems worse.
More importantly, if the credit card accuses you of malicious overdraft, you may face the risk of imprisonment, because your credit card overdraft 165438+ 10,000 yuan must be more than 50,000 yuan, and more than 50,000 yuan will become the standard that constitutes a large amount of credit card fraud and can bear criminal responsibility.
Now, you can deal with it in many ways:
First, negotiate with the bank whether it can be postponed. Postponement is the best way for you.
If your reasons are sufficient and your attitude and plan are feasible, the bank may agree. In the process of negotiating with the bank, it is important to have a sincere attitude that the loan must be repaid, and at the same time to have a clear and feasible repayment plan. what time should I return it ? How to repay? What is the source of funds for repayment? These are all very important.
Secondly, we can negotiate with the bank to deal with credit card overdraft in stages to ease the current financial situation.
You can apply for installment payment from the bank credit card. Although the interest rate will be higher, it can temporarily alleviate your financial shortage and buy you time and opportunities to raise funds. This may not be too difficult.
Third, you should clean up your assets, such as real estate, office facilities and some disposable assets.
After all, it is a matter of course to pay back debts, and hiding is not a way. This is the most important thing if you survive the current crisis. As long as we survive the current crisis, there is still a chance to make a comeback without great loss of reputation. If you don't handle it properly, you will lose the chance and possibility of making a comeback in the future.
This is a test for you. You should know how to choose and what is important to you. For you, money is a real thing, but your reputation is the most valuable. At the same time, you can choose to dispose of all the property that has the least impact on you on the premise of ensuring your basic life, so that you may survive the crisis. (Author: Qi Jian, Financial Review)