Consequences of Xiaomi's failure to repay the loan:
1. Overdue information will be uploaded to the People's Bank of China or a third party for credit investigation, and it will be difficult to borrow money in the future.
2. If it is overdue, there will be a high overdue fee. The overdue interest rate of overdue principal or interest is 65438+ 0.5 times the normal loan interest rate.
Extended data:
On June 5438+05, Xiaomi Finance indicated through the official account of Weibo that due to the abnormality of the docking system with Minsheng Bank, the repayment information of a few users was not updated in time. At present, a solution has been worked out together, and the correct information will be updated according to the actual repayment situation within 30 days.
Mr. Lin said that as far as he knows, most of the people affected this time are Xiaomi mobile phone users. The reporter also found in the interview that the users affected by this incident are mainly young people. Based on the brand trust of large Internet companies and the trust in the more convenient borrowing process of the Internet financial platform, Xiaomi Financial Platform was chosen to borrow.
According to the information released by Xiaomi Finance, users such as Mr. Lin and Mr. Chen expressed great dissatisfaction. They think that the credit information they really care about has not been given enough right to know.
The question that users are more concentrated is whether Minsheng Bank has reported overdue to the relevant departments. Can overdue reports be completely deleted without any records? How is the overdue processing going? At present, these problems have not received a clear response from Xiaomi Finance and Minsheng Bank.
Some users affected by this incident also reported to reporters that Xiaomi Financial Customer Service attempted to appease users by issuing 100 yuan interest-free repayment coupons, which they said was unacceptable.
Many users told reporters that for Minsheng Bank, it was found that the loan users of the same service channel were overdue in batches. Don't you need to confirm the repayment ability with the user himself, so arbitrarily confirm it as overdue?
Some experts in the industry said that many Internet companies have entered the field of financial services across borders with the help of powerful terminal platforms, but this incident has sounded the alarm for everyone. In the field of financial services, security should not be a "dispensable" service, but an insurmountable bottom line for financial services. Internet platforms should be more cautious about the safety of consumer funds.
Xiaomi Finance-Xiaomi Loan
Xinhuanet-Xiaomi Finance's normal repayment is "overdue credit". Where did the money go?
What should I do if Xiaomi Financial Online Loan is temporarily overdue?
1. Borrow money for repayment. If the user's online loan is overdue, he can temporarily borrow money from friends or parents to return it, and then return it to them when he has money. 2. Extend the loan term. Users can also call the customer service phone of the platform to discuss with the platform to extend their loan period. According to the relevant laws and regulations of our country, if the online loan is temporarily overdue, the borrower and the lender can negotiate to extend the loan or repay the arrears in installments. If the loan is not repaid according to the extension or installment agreement, the creditor may apply for compulsory execution. Peer-to-peer loan contract is an ordinary loan contract after all. According to the general loan contract, it is usually explicitly required to pay a certain loan interest. If the borrower is arranged to pay liquidated damages, it will increase the pressure on the other party. But in fact, liquidated damages can actually be agreed in online loans, but there is still a stipulation that it cannot exceed four times the quoted interest rate in the one-year loan market. This quadruple requirement is that the sum of interest and liquidated damages agreed by the parties exceeds four times the quoted interest rate in the one-year loan market. If it exceeds, it is an act of charging high interest in disguise.
1. Article 108 of the General Principles of the People's and Civil Law of China stipulates that debts shall be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court. According to the provisions of Article 84 of General Principles of Civil Law of People's Republic of China (PRC) and General Principles of Civil Law of People's Republic of China (PRC), debt is a specific relationship of rights and obligations between the parties in accordance with the contract or the law. The obligee is the obligee, and the obligor is the debtor. The creditor has the right to require the debtor to perform its obligations in accordance with the contract or according to law.
2. Xiaomi Finance is a personal comprehensive financial service platform under Xiaomi Company, which provides services around personal financial needs, including but not limited to: investment and wealth management, loans, securities and insurance. If the overdue period exceeds a certain period, the relevant records of overdue users will be transmitted to the personal credit information system of the central bank. In addition to uploading overdue information to the central bank's personal credit information system, Lending will continue to cooperate with third-party credit information agencies such as Qianhai Credit Information, Shanghai Credit Information and Pengyuanzheng Credit Information. Actions that can be taken against people who break their promises:
1) Some high-consumption behaviors are prohibited, including taking soft sleepers on airplanes and trains.
2) Other credit punishments are imposed, including restricting loans from financial institutions or handling credit cards.
3) If the untrustworthy person is a natural person, he shall not be the legal representative, director, supervisor or senior manager of the enterprise.
3. Article 207 of the Contract Law stipulates that "if the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations". Penalty interest will be charged if it is overdue. From the overdue date, default interest will be charged at the agreed interest rate 150% every day until the payment is overdue. Your overdue record will be collected by the People's Bank of China, which will affect your credit record. Please cherish your credit and repay on time. For loans that are overdue or not used according to the purpose agreed in the contract, interest will be charged at the default interest rate from the date when they are used in loans overdue or not according to the purpose agreed in the contract until the loan principal and interest are fully paid off. For the interest that cannot be paid on time, compound interest shall be calculated at the penalty interest rate.
I got a loan from Xiaomi Finance, but what will happen?
Creditors who can't repay their debts on time in a finance company can file a lawsuit against their debts and ask them to repay their debts. Those who refuse to repay after the court's decision will be classified as untrustworthy.
According to the General Principles of Civil Law of People's Republic of China (PRC) and Article 84 of the General Principles of Civil Law, debt is a specific relationship of rights and obligations between the parties according to the provisions of the contract or the law. The obligee is the obligee, and the obligor is the debtor. The creditor has the right to require the debtor to perform its obligations in accordance with the contract or according to law.
Article 108 A debt shall be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court.
Extended data:
"Several Provisions on Publishing the Information of the List of Persons Executed in Breach of Trust" Article 1 If the person subjected to execution fails to fulfill the obligations specified in the effective legal documents and has any of the following circumstances, the people's court shall include him in the list of persons executed in breach of trust and impose credit punishment on him according to law:
(1) Having the ability to perform and refusing to perform the obligations specified in the effective legal documents;
(2) Obstructing or resisting execution by forging evidence, violence or threats;
(3) evading execution by means of false litigation, false arbitration or concealing or transferring property;
(4) Violating the property reporting system;
(5) Violating the consumption restriction order;
(6) refusing to perform the settlement agreement without justifiable reasons.
Baidu Encyclopedia-General Principles of Civil Law in China
What does Xiaomi usually do when he goes to loans overdue?
Xiaomi loans overdue can't. Failure to repay the loan will cause many bad effects on yourself.
Impact of non-repayment of loans: penalty interest and poor credit record will affect the handling of loans and credit cards in the future, and you will not be able to enjoy loan concessions or even apply for loans. Being blacklisted, children can't go to key schools, which affects their personal career. The bank sends a lawyer's letter and the court goes to court. After the judgment is made, it will be enforced, and those with serious circumstances will be punished by law.
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Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.
It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.
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