How to deal with non-performing loans:
First, return the annualized interest 15.4% of the principal to the other party. After all, it is only natural to pay back debts. And inform the other party that you understand the relevant laws and regulations, and excess interest is illegal. If the other party refuses to admit it and continues to ask you to pay back the money, you can let the other party sue you through legal channels without handling it. Second, if the other party continues to harass or threaten you, you can complain or report through the public security or the street anti-vice office.
Personal credit loan
Personal credit loans are RMB credit loans issued by banks and online lending platforms to customers with good credit standing without providing guarantee. When applying for personal credit loans on the online lending platform, you can generally apply directly online, and the specific handling process is subject to the requirements of the platform.
2. Bank credit loans
Bank credit loan is a bank credit loan specially issued by banks for working-class people with stable income. It is a personal credit loan for personal consumption based on their monthly salary income. No guarantee, no mortgage, your credit is the best loan pass.
Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk. It is mainly applicable to enterprises (institutions) as legal persons, other economic organizations and individual industrial and commercial households approved and registered by the administrative department for industry and commerce, and meets the requirements and conditions stipulated by the General Rules for Loans and banks:
1. The borrower must be a natural person who has reached the age of 18 and has full capacity for civil conduct;
2. Have permanent residence or valid residence status in China; Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;
3. The bank's credit loan first requires the applicant to have a good credit record;
4. Have the ability to repay the loan, and provide stable proof of occupation and income source, bank flow sheet, labor contract, etc. ;
5. Can provide complete purchase contract, purchase contract, admission card, investment plan and other documents. Documents proving the purpose of the loan;
6. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;
7. Provide valid certificates recognized by the lending institution, and provide true and valid relevant information required by the bank;
8. Other conditions stipulated by bank lending institutions.
Legal basis: People's Republic of China (PRC) Criminal Law.
Article 266 Whoever defrauds public or private property in a relatively large amount shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also, or shall only, be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined or confiscated.