1, internal collection/friendly negotiation
If the customer still fails to pay within one month after the payment is due, a late fee will be charged according to the terms of trade, and the customer will be clearly informed to put some pressure on the other party.
2. Entrust a professional third-party agency for collection.
The enterprise has been collecting money for 3 months by itself, and there is still no result. Professional third-party collection agencies should be entrusted to urge the world to handle it as soon as possible. Business personnel of professional commercial collection companies are familiar with the local judicial, commercial environment and relationship network, and have rich collection experience. They can formulate the most suitable collection plan according to the characteristics of debtors, and the success rate of localized collection will be greatly improved.
3. Litigation collection
For some laolai customers who have no willingness to repay, litigation collection is an effective repayment method. These customers usually don't expect domestic companies to sue, so once they receive a subpoena, they will contact creditors in time to negotiate repayment. However, it should be noted that the lawsuit collection is aimed at customers who have the ability to repay but refuse to repay.
What are the repayment methods of bank loans?
1. Equal repayment of principal and interest: also known as regular interest payment, that is, the borrower repays the loan principal and interest in equal amount every month, in which the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month. Add up the total principal and interest of the mortgage loan and distribute it evenly to each month of the repayment period. As a repayment, he pays a fixed amount to the bank every month, but the proportion of principal in the monthly repayment increases month by month, and the proportion of interest decreases month by month.
2. Repayment of equal principal: the lender will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month. This method is very suitable for people with higher income, but it is predicted that their income will decrease in the future. In fact, many people over middle age, after a period of efforts, have a certain economic foundation.