An overdue loan ratio greater than 100 is the overdue loan rate of personal credit loans. The process of applying for a loan is very difficult, so many people would prefer a personal credit loan with a loan-to-delivery ratio greater than 100. Compared with a loan, the application process for a personal credit loan is simple and does not require any collateral as collateral.

The overdue loan ratio is the overdue loan rate, which refers to the proportion of overdue loan balances in the current loan balance. It usually reflects the extent to which the loans issued by the bank are not recovered on time. The over-loan ratio of 100 means that the proportion of overdue loan balances in the current loan balance is 100.

1. The main reasons for overdue loans are usually: delay in construction period, suspension of construction, inability to use after completion, low economic benefits after production, no ability to repay, extraordinary losses and unwillingness to return, etc.

2. Overdue loan rate refers to the proportion of overdue loans to all loans. Its calculation formula is based on the ending balance and average balance. The formula is:

(1) Overdue loan rate at the end of the period = Overdue loan balance at the end of the period/Total loan balance at the end of the period;

(2) ) Average overdue loan rate = average balance of overdue loans throughout the term/average balance of loans throughout the term;

(3) The average overdue loan balance in the formula refers to the actual overdue amount, including overdue extension periods and short-term common parts . Generally speaking, the overdue loan ratio should not exceed 8.

(4) The lower the overdue loan rate is, the better the recovery of the principal of the loan, the better the efficiency of the use of funds, and the lower the risk level of the asset; conversely, the higher the ratio, the recovery situation The worse it is, the higher the risk level of the asset.

3. Loan tips: Users who want to apply for a personal credit loan must pay attention to their credit record. If there is a "stain" in the credit record, it will not be easy to apply for a loan. Therefore, borrowers must regularly check their credit status and online loan default standards to avoid overdue loans.

4. Consequences of overdue loans

(1) If the loan is not due, it will produce a bad credit record, which will affect other credit businesses in the future.

(2) The lending institution will charge overdue penalty interest and liquidated damages. The longer the overdue period, the more the amount to be paid.

(3) If the overdue period is long and the amount is large, you may be sued by the lending institution. After the court accepts the application, it will allow the property to be mortgaged and the like.