Under normal circumstances, non-repayment has nothing to do with the family, but it may affect the life of the family.

1. If everyone fails to repay the loan, the financial institution will definitely arrange staff to collect the loan. Generally speaking, telephone calls, text messages and door-to-door collection methods are inevitable. In the process of financial institutions collecting loans, the normal life of everyone and their families will inevitably be disturbed.

2. Some lending institutions will call the borrower's family and friends when the borrower's loan is not repaid. In this way, the normal work and life of family and friends will be affected. In addition, things that people owe money and don't pay back will also make their families lose face.

3. If the financial institution takes the borrower to court, it is very likely that everyone will be included in the list of untrustworthy people. Once everyone becomes a "Lao Lai" who is shouted by everyone, then the family will be in trouble, because the children of Lao Lai can't go to high-priced schools.

Extended data

First of all, if it is overdue, depending on the length of time, it will have an impact on your credit information. If it is seriously overdue (more than 90 days), the credit investigation is a black account, and you cannot apply for any loan business before it is paid off. Secondly, it will cause additional expenses such as liquidated damages and overdue interest. Long-term overdue is nothing new, and the final interest is greater than the principal. Please be careful.

What are the consequences of the loan money?

1. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay by installments.

2. If the lender fails to perform the judgment within the performance period after winning the case, it will apply for enforcement.

3. When compulsory execution is accepted, the lender's property, vehicles, securities and deposits will be inquired according to law.

4. If the lender has no property to enforce, refuses to perform the effective judgment, overdue repayment and other negative information will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.

What will happen if you don't repay the bank loan on time?

First of all, answer directly.

If you don't repay the loan on time, it will have the following consequences: the lending institution will dock the credit information, and the overdue records will be uploaded to the credit information, resulting in poor personal credit information.

Second, the specific analysis

From the date of overdue, the overdue fee will be charged on a daily basis; During the overdue period, the lending institution will send a text message for collection; Before the overdue records are deleted, users cannot handle other credit businesses.

Loans overdue has serious consequences, so users must repay as soon as possible after overdue, so as to reduce the negative impact of overdue records.

Just search: Bei Jian check it quickly. Click Query, enter information, and find your own big data report under the 100-line credit inquiry portal. The big data query platform has basically docked 98% of online lending platforms, and the queried online lending data is very comprehensive and accurate. Will display the user's network black index score, you can intuitively see whether the user is a network black account.

Third, what will happen if the car loan is not on time?

If the car loan is not repaid on time, the handling bank (auto consumption finance company) will inevitably report its overdue behavior to the central bank's credit information system after the repayment date, and then leave bad information in its personal credit information report, resulting in its credit damage.

If there is a problem with credit, most of them will be hindered and it will be difficult to handle new credit business in the future.

We also need to note that banks (auto consumption finance companies) will charge penalty interest from the overdue date until all the arrears are paid off.

Only when the arrears are paid off can the bad records on the credit information be retained for another five years and then deleted.

If the arrears are not paid, the overdue bad information may remain in the credit investigation, which will continue to have a negative impact on credit.

Therefore, it is recommended to develop a good habit of timely repayment and try to avoid overdue.

Once overdue, we should also find ways to pay off the arrears as soon as possible to minimize the adverse effects.

What will happen to loans overdue?

The consequences of loans overdue are as follows:

1, loans overdue, the borrower will form a bad credit record, which will affect the borrower's future financial lending affairs and credit application.

2. The Borrower has paid overdue penalty interest and liquidated damages. The longer the overdue period, the more the borrower repays.

3. If the overdue period is long and the amount is large, the lending institution may request it. After the judgment, the borrower still fails to repay the loan, and the borrower will be included in the "list of untrustworthy executors" and will not be able to take high-speed trains or planes in the future.

Extended data:

What are the consequences of being restricted to high consumption?

According to the first paragraph of Article 3 of the Regulations of the Supreme People's Court on Restricting the High Consumption of the Executed, the consequence of being restricted from high consumption is that the following high consumption and unnecessary consumption behaviors are not allowed:

(a) when taking the means of transportation, choose the second class or above of the plane, train soft sleeper and ship;

(two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;

(three) the purchase of real estate or new construction, expansion, high-grade decoration of housing;

(four) leasing high-grade office buildings, hotels, apartments and other places to work;

(5) Purchasing non-essential vehicles;

(6) tourism and vacation;

(seven) children attending private schools with high fees;

(8) Paying high premiums to purchase insurance wealth management products;

(9) Non-essential consumption behaviors such as taking all seats of G-prefix EMU trains and first-class and above seats of other EMU trains.

What will happen if the loan is not available?

Yes

"What are the consequences of the loan?

1. If the lending institution or bank fails to perform the judgment within the performance period after winning the case, it will apply for enforcement.

2. When compulsory execution is accepted, the lender's property, vehicles, securities and deposits will be inquired according to law.

3. If the lender has no property to enforce, refuses to perform the effective judgment, overdue repayment and other negative information will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.

4. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.

Second, if a banking institution owes a bank loan, it will take a series of measures, as follows:

1. The bank will call the borrower to collect debts.

2. If the borrower still fails to repay the debt after debt collection, there will be a certain penalty interest and a bad credit record for himself.

3. If the borrower still fails to repay the loan, the bank will send relevant staff to collect it in person.

4. If the borrower fails to repay the loan until the end, the bank will take legal measures to safeguard its own rights and interests. If the borrower applies for a mortgage loan, the collateral will be auctioned, and then the proceeds from the auction will be used to repay the loan.

Third, overdue loans

According to the relevant provisions of the Contract Law, the borrower fails to repay the loan within the time limit stipulated in the loan contract, which is a breach of contract and should bear the liability for breach of contract. The ways to bear the liability for breach of contract include returning the loan principal, paying the interest during the loan period agreed in the contract and paying the interest of loans overdue.

Repaying the loan principal and paying interest within the loan period agreed in the contract will generally not cause disputes because the parties have clearly agreed in the loan contract; There is a great dispute between the parties about the interest on overdue loans, and the standards applied by judges in hearing such cases are not uniform, which affects the authority of the law. Lawyers believe that it is necessary to integrate this issue so that everyone's understanding can be unified.

The funds invested by banks in such loans may or may not be recovered in the future. There is a great possibility of losses, and commercial banks usually have to impose a penalty interest on such loans. Overdue loans are the problem assets of banks. Commercial banks should maintain a high capital reserve, and the reserve ratio is generally 50%. "

What will happen if the loan platform is overdue?

The consequences of overdue loan failure are:

1, which will result in high overdue penalty interest;

2, will collect;

3. If the borrower still fails to repay the loan after the judgment, the lending bank may apply for compulsory execution and will seal up and freeze the property of the person subjected to execution according to law;

4. If the person subjected to execution has the ability to perform and refuses to perform, the person subjected to execution may be included in the list of untrustworthy persons;

5. If the circumstances are serious, it may constitute the crime of refusing to execute the judgment.

Legal basis: Article 313th of the Criminal Law of People's Republic of China (PRC).

Refusing to carry out the people's judgments or orders, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.

If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.

1. List of Top Ten Borrowing Brands:

1 Ping An Pratt & Whitney: Since 2005, the affiliated companies of Ping An Group engaged in financing guarantee/financing consultation/microfinance business have been collectively positioned as loan service institutions serving inclusive finance.

2. CreditEase Pratt & Whitney: inclusive finance comprehensive service platform under Yimenko, a financial technology enterprise listed on NYSE, providing professional loan information consulting services, a pioneer in inclusive finance and inclusive finance, and a wealth management financial technology enterprise.

3. Micro-loan: Shenzhen Qianhai Weizhong Bank Co., Ltd., Tencent Weizhong Bank launched a pure online personal micro-credit revolving consumer loan for WeChat users and mobile QQ users.

4. Ant Borrowing: Ant Financial Services provides inclusive finance services for small and micro enterprises and individual consumers. It is a consumer loan service launched by Alipay for individual users, and online merchant loan is a loan service customized by online merchant bank for small and micro operators.

5. Pleasant Loan: The personal credit and loan consulting service platform launched by CreditEase on 20 12 is owned by Pleasant Loan Jinke, a company listed on NYSE. 20 19 integrate the online loan business of Yixin Huimin and hengcheng technology development (Beijing) co., ltd.

6.JD.COM Gold Bar: JD.COM, a subsidiary of JD.COM Technology, provides customized cash loan services for users and is positioned as a digital technology company serving financial institutions, JD.COM Technology Holdings Co., Ltd.

7. Baidu has money to spend: Baidu Financial Credit Service, a credit service brand under Xiaoman Finance, provides personal consumer credit services for the public, and uses Baidu's technology and scene advantages to create an innovative consumer credit model, Xiaoman Technology (Beijing) Co., Ltd.

8. Suning's willful loan: With the help of Suning's online and offline user groups, unique O20 retail model and full value chain business model from procurement to logistics, Suning Finance has established business modules such as payment account, investment and wealth management, consumer finance, corporate payment, crowdfunding and insurance, and created a series of products such as Suning Yifubao, Suning Wealth Management, willful payment, supply chain financing and extended warranty of electrical appliances, providing multi-scenario financial services for consumers and enterprises.

9. Gitzo Consumer Finance: 1997 started. It is an internationally renowned consumer finance service brand under Czech Gitzo Group and a large international financial investment group in Central and Eastern Europe, Gitzo Consumer Finance Co., Ltd.

10.360 IOU: 360 Digital Group's consumer credit platform, focusing on providing instant credit services for individuals and small and micro enterprises, financial technology platform driven by artificial intelligence, Nasdaq listed company, 360 Digital Group.

Let's talk about what will happen if the loan is not timely.