2. Inquire by mobile phone number. When I am in loans overdue, my mobile phone number will receive the overdue platform call and overdue SMS notification. At this time, it is necessary to call to verify the authenticity of this institution and whether there has been a loan in this institution (note: be sure to verify the authenticity of the loan and beware of telecom fraud).
3. Check the online loan records under the name through the big data platform. At present, it is easy to check big data, apocalypse mathematics and so on.
What are the consequences of overdue online loans?
1, penalty interest and liquidated damages
If the loan is not repaid, the first thing you will encounter is high interest and corresponding liquidated damages. If you don't want to get yourself into a loan quagmire, you'd better develop good repayment habits.
2. Credit will be damaged.
Whether it is money borrowed from banks or money from online lending platforms, if it is overdue, it will be much more difficult to apply for credit cards or loans in the future. Some people think that overdue online loans have no effect on their credit information. In fact, this idea is wrong. At present, there is an interconnected encryption system between the online lending platform and the central bank. On the online lending platform, there will also be a "blacklist" system, and your credit can be found in minutes.
If the circumstances are serious, people will go to jail.
Many people are very concerned about whether the consequences of non-repayment of online loans will lead to imprisonment. Usually, this kind of non-repayment of money is a civil dispute and has not risen to the criminal level. However, if the borrower refuses to perform or has the ability to repay, and insists on default, then the court can investigate the criminal responsibility of the borrower, and if the circumstances are too serious, he will go to jail.
legal ground
People's Republic of China (PRC) Civil Code
Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.
Article 677 Where the borrower repays the loan in advance, unless otherwise agreed by the parties, the interest shall be calculated according to the actual loan period.
Article 678
The borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended.