Can I apply for deferment of bank loan repayment? What else is there if the Postal Bank loan expires?

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Can I apply for deferment of bank loan repayments? Is there anything left after the Postal Bank loan expires?

From: Internet Date: 2022-04-30

Yes, but generally it is not allowed. Under special circumstances, you can apply to the bank Apply. 1. Loan extension refers to the behavior of the lender to postpone the repayment of the loan after applying to the lending bank and obtaining approval. If the loan cannot be repaid when it expires, the repayment time can be extended upon approval. 2. Loans must be repaid upon maturity, which is a credit principle that enterprises must abide by and is also a prerequisite for banks to accelerate the turnover of credit funds. If the enterprise encounters special circumstances and is indeed unable to repay the loan on time, it should submit an application and explain the situation. After review and approval by the bank, the repayment time can be extended, but it must go through the rollover procedure, otherwise the loan will be treated as overdue. 1. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. 2. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase the bank's own profits. accumulation. 3. Equal principal and interest repayment: that is, the sum of the loan principal and interest is repaid in equal monthly installments. Housing provident fund loans and commercial personal housing loans from most banks adopt this method. The monthly repayments are the same this way. Source: Baidu Encyclopedia - Loan

1. First of all, we must look at what the loan contract stipulates, and perform repayment in accordance with the contract. 1. The general contract stipulates that if one household cannot pay the debt, other households will repay it on their behalf. 2. The contract will define and describe the relevant joint and several liabilities. The co-guarantor generally repays the loan together with the borrower. 2. Recovery methods. Find the borrower, pursue liability, and pay off the property at the same time. Or borrow money and pay it back as soon as possible. 3. Consequences: The bank will definitely sue. However, it may take some time before the court executes the decision. If the court's adjustment still has no effect, just wait for the court to enforce it on your friend's property. The execution fee of 60,000 yuan also includes prosecution fees and execution fees. And your friends will be arrested. 4. In the last situation, arrest is usually adopted. Postal Savings Bank of China (PSBC) was officially established on March 20, 2007. [1] It is the fifth largest bank in China. [2-3] It is based on the reform of the postal savings management system. State-owned commercial bank established. [4] China Postal Savings Bank inherits the postal financial business operated by the former State Post Bureau and China Post Group Corporation and the resulting assets and liabilities, and will continue to engage in business approved and approved by the original business scope and business license documents. [5] As of 2008, it has built a personal financial service network with the widest coverage of urban and rural outlets and the largest transaction volume in the country, with 36,000 business outlets. Postal Savings Bank of China has established provincial branches in all 31 provinces (municipalities and autonomous regions) across the country, and has 5 branches in cities under separate state planning in Dalian, Ningbo, Xiamen, Shenzhen and Qingdao. On February 27, 2012, with the approval of the State Council, the Postal Savings Bank of China Co., Ltd. was legally restructured into the Postal Savings Bank of China Co., Ltd. on January 21, 2012. Inherit all the assets, liabilities, institutions, businesses and personnel of the original Postal Savings Bank of China Co., Ltd. in accordance with the law, assume and perform the rights and obligations of the original Postal Savings Bank of China Co., Ltd. in relevant legally binding contracts or agreements, and corresponding creditor-debt relationships and legal responsibilities. The existing business offices, trademarks, Internet domain names and consultation service telephone numbers of Postal Savings Bank of China Co., Ltd. will remain unchanged and will continue to be used by the joint-stock company, and all businesses will continue as usual.

Customers do not need to go through any change procedures. Since December 2015, Postal Savings Bank of China has moved from a single shareholder to a diversified shareholding. Adopting the method of issuing new shares, the financing scale is 45.1 billion yuan, and the issuance ratio is 16.92. [6] On August 27, 2016, Postal Savings Bank of China’s US$8 billion Hong Kong IPO was approved. [7] On September 28, 2016, Postal Savings Bank of China was successfully listed on the main board of the Hong Kong Stock Exchange.

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Can I apply for an extension if the rural credit cooperative loan is due? -: Rural credit cooperative loans generally cannot be extended when they are due. If an extension is really needed , the extension shall not exceed 1 year. Documents required to apply for extension: ①Loan extension application; ②Repayment plan; ③Basic situation statement; ④Personal ID card; ⑤Original loan contract; ⑥Other information required by the bank.

Can I apply for an extension with the bank if I am temporarily unable to repay the loan when it expires? -: According to the relevant regulations of our country, if the borrower cannot repay the loan on time due to some reasons, the borrower can apply to the bank in advance to postpone the loan repayment, and the bank will approve it. That’s it. According to regulations, if a borrower needs to defer loan repayment, he must apply for it 15 days before the repayment date. With the lender’s consent, the borrower can apply for an extension of repayment...

You can apply for a deferment of bank loan repayment. Do you want to pay? -: If you apply for a personal consumption car loan from Bank of China, the loan period is within one year and the loan principal and interest are repaid in one go, the borrower cannot repay according to the 636f7079e79fa5e9819331333365656537 time limit due to legitimate reasons...

Can I apply for an extension when a bank loan is due? -: Selected 1. Yes, but generally not allowed. Under special circumstances, you can apply to the bank. 2. Loan extension refers to the lender When applying to the lending bank and getting approval, the act of deferring loan repayment. The loan cannot be returned when it expires. If approved, go through the procedures to extend the repayment time....

Can I apply for an extension of my mortgage loan -: Housing loans are generally extended. You need to apply to the Shendai Bank to extend the loan repayment. In fact, it is an extension of the loan period. If the bank approves it, you can sign a personal housing loan deferred repayment agreement and go through the relevant procedures. At the same time, the guarantor Sign the deferred repayment agreement. The borrower can only apply for a loan extension once. The sum of the original loan period and the extended period shall not exceed 30 years. When the original loan period plus the extended period reaches the new interest rate grade, the loan will be extended from the extension period. From now on, loan interest will be calculated and charged according to the new term grade interest rate. The interest already calculated will not be adjusted.

Can I apply for extension of bank loan? -: Consumer loan can be applied for extension. During the performance period, if you are unable to repay the loan on time according to the original repayment plan, you can submit a written application to the lending bank to extend the loan period. After approval by the lending bank, you will sign a personal housing loan deferred repayment agreement and go through the relevant procedures. At the same time, the guarantor will extend the loan period. Sign the repayment agreement; 1. If the collateral, pledge rights, and guarantor change, the guarantor should re-sign the corresponding guarantee contract with the lending bank; 2. If the collateral, pledge rights, and guarantor have not changed, the guarantor only needs to Sign a deferred repayment agreement with the borrower and the lending bank; 3. Agree to continue to perform the guarantee responsibilities without re-signing the corresponding guarantee contract with the lending bank.

Can the loan be extended if it is not repaid -: Borrower During the performance of the original contract, if you cannot repay the loan on time according to the original repayment plan, you can submit a written application to the lending bank to extend the loan period. After approval by the lending bank, sign a personal housing loan deferred repayment agreement and go through the relevant procedures. At the same time, the guarantor Sign the deferred repayment agreement. Although you apply for a bank loan and repay it temporarily...

Can I apply for an extension of a bank loan? -: You can apply to the bank. 2. Loan extension means that the lender applies to the lending bank When applying and getting approval, the act of deferring loan repayment. The loan cannot be repaid when it expires. If approved, the procedure for extending the repayment time will be processed. The loan must be repaid when it expires

Can I apply to the bank for an extension of mortgage repayment? ?-: Yes, if the borrower cannot repay the loan on time due to some reasons, he can apply to the bank to defer the loan repayment, and it will be approved by the bank. The "Contract" stipulates that if the borrower needs to defer the loan repayment, he must do so before repaying the loan. Apply 15 days before the date of application, and with the approval of the lender, proceed with the deferred loan repayment procedure. The lender will charge interest according to the loan interest rate stipulated in the contract. When applying for deferred loan repayment, the borrower first applies to the bank, fills out the application form, and then Deferred repayment can only be applied for after the bank has reviewed and approved it. What needs to be mentioned here is that if you apply for deferred repayment, you need to pay interest.

How long can bank loan repayment be postponed -: You can postpone it, but the problem is that this postponement will be recorded on your personal credit record, which may affect your future loans.

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