Relevant stakeholders come to answer questions, negotiate to reduce interest and go ashore to make money.
I am a lawyer in Beijing now. A few years ago, I worked in the collection and management department of non-performing loans of the head office of a national joint-stock bank, and now I keep close business contact with my colleagues in the bank. The main responsibility of this department is to uniformly manage the non-performing loans generated by banks, including but not limited to litigation, subcontracting collection, packaging or single transfer, debtor negotiation, etc. I personally managed the disposal of thousands of personal overdue loans. Generally speaking, the money owed by someone to the bank will be handed over to our department for unified handling within a certain period of time, usually three months, so I still have a deep understanding and experience of what to do if loans overdue doesn't pay it back.
This article does not tell stories, but only talks about dry goods, sharing many years of practical experience of front-line personnel in banks. If you have any related questions, you can exchange and appreciate them in private after the article.
As far as my personal experience in handling thousands of cases in the bank is concerned, such cases require lawyers or other professionals to explain the bank's policies, bottom line and internal processes to the parties (the bank is inconvenient or unwilling to explain them to you thoroughly), and the parties and the bank negotiate, without involving lawyers' deep involvement in agency. On the contrary, if the bank knows that the customer has hired a lawyer, the bank will think that the customer has the repayment ability (it costs money to hire a lawyer), but it will raise expectations and is not conducive to solving the problem.
The above is the background
First of all, we classify non-performing loans, and we have a clear concept. Because non-performing loans can basically be divided into two categories, one is corporate loans (which can be roughly understood as corporate loans, with a general principal of more than 654.38+million), and the other is retail loans (which can be roughly understood as personal loans with a general principal of less than 500,000, which is a variety that ordinary people involved in this paper can encounter), and the two are handled in different ways. This article mainly answers the latter category, and friends who are interested in the former category can also exchange private messages with me.
1. What should I do if I feel loans overdue or overdue?
If the loan is not paid, please be careful not to repay the bank or other institutions alone. At this time, a single repayment can not help you solve the problem as a whole!
Banks (and other institutions) can reduce the interest on overdue loans. If only the interest is reduced, the internal approval speed of banks is very fast. According to my past experience, if it goes well, it only takes 1-2 days from project initiation to approval. In fact, anyone who is overdue can reduce the interest rate, and there is no real difficulty in approval (I personally approved thousands of cases of interest reduction). In the case of defaulting on loans from many institutions, once it is assessed that its financial ability can no longer repay all loans, it is impossible to solve the problems of other institutions only by repaying one institution. You should be prosecuted as much as you can, and the collection should be the same, so don't return none.
The correct way is:
Stop a single repayment and calculate the total amount of principal owed by each family (interest is ignored, as explained above) and the funds that can be raised. First, negotiate according to the plan of reducing interest rate and only repaying principal. For example, you owe a total of 500 thousand principal, and there may be hundreds of thousands of interest. At this time, if you can raise 500,000 yuan, you can negotiate with the lending institution to reduce the interest and only pay back the principal. If you can't raise money at once, you can also negotiate by stages.
If you really can't repay all the principal and meet the relevant conditions for the bank to reduce the principal (reducing the principal needs to meet many substantive conditions, and the difficulty and process are far greater than reducing the interest), you can also communicate and negotiate with the institution according to the overall principal repayment ratio.
For example, if you owe money to four or five institutions, the total principal is 500,000 (interest may be several hundred thousand), and you can borrow 400,000 (usually borrowed by your parents or relatives and friends) within your current ability, then you need to negotiate with various institutions and ask for repayment of 8 fees to successfully complete the loan. Why do I take the 8-cost fund as an example? It is because some banks can accept the 8-fee fund repayment plan (different banks have different acceptance levels). Of course, at the beginning, the bank staff (in fact, you are directly negotiating with the outsourcing collection agency of the bank, and the bank staff manages thousands of cases and has no time to communicate with you one by one) will tell you that the interest can be reduced and the principal cannot be reduced. But if you really can't repay all the principal, the repayment bank with a 20% discount on the principal may agree. You must understand the mechanism and bottom line of the bank before you can negotiate with it. If you can't repay the 8-cost payment in one lump sum, you can also negotiate with the bank to repay it in installments. Generally speaking, it is acceptable to repay by installments within six months. In a few special cases, the bank can accept the installment repayment plan within 1-2 years.
But it's best to repay the loan in one lump sum or within half a year, because the collection agency and the direct bank manager get bonuses and commissions according to your actual payment. If you extend the time to 1-2 years, their motivation to report to the bank for approval will be weakened, and we should know how to put ourselves in the other's shoes.
Regrettably, in the thousands of cases I have handled, few people can clearly know the bank's rescue policy, and they have not taken reasonable and legal measures, and even taken various extreme measures, which have caused troubles for banks and individuals, mutual losses and no ideal results.
The above are the problems that you can consider when you completely lose the ability to repay the loan, but you still have some repayment ability. Repayment ability generally refers to the ability to repay more than 80% of the principal.
There is another situation, you are penniless and owe a lot of debts, and no one wants to lend you money to pay off your debts. What should I do?
There are some ways. Although it is mentioned above that although banks (and other institutions) generally only accept repayment solutions with costs higher than those in 8 yuan, they can actually achieve lower principal discount repayment solutions under special circumstances.
In this case, you need to be prepared for a protracted war. You need to fully prove that your repayment ability is insufficient and show your willingness to solve the problem, fully communicate with the bank staff, and actively provide various supporting materials to prove your difficulties and apply for a large proportion of relief from the bank. There are also many cases where my approved principal is less than 20%.
When I get here, some friends may ask, then I can't even get a 20% discount. Is there any other way?
In fact, you can't say no, but if the previous principal and the 20% discount on the principal belong to the conventional gameplay, this is rare. This article only talks about the general situation, and friends who are interested in rare situations can communicate.
Stay calm, stay calm, stay calm. Say the important things three times.
There are too many overdue friends in these two years. Remember not to repay too blindly, calm down and count the total debt, private loans, credit cards, mortgages and online loans. Then calculate your monthly fixed expenses and your income, and remember that you can't live without money. Protecting life is the first premise. As long as you can survive, you will pay off your debts sooner or later, and you will go ashore sooner or later. I recommend several effective methods for you, hoping to help you.
Calculate the total liabilities and plan the repayment order. Stop all interest-bearing repayments, including credit cards, online loans and private loans. Remember not to add another penny to the debt to ensure that the total debt will not increase. First, call the credit card bank, stop paying interest and delay repayment. You can search more for the specific operation, so I won't expand it. Then take the initiative to dial some online loans that need credit, such as micro-loans, online business loans, and Jingdong Finance. , all have customer service phone numbers. Please remember that the operator has no authority, so he must go to the risk department, explain the situation and ask to stop paying the account, which may be threatened by many threats and various threats. Need to add WeChat, keep in touch with WeChat, and ask not to harass relatives and friends, otherwise you may call 65438+. 12348 is a free legal aid, and there is no need for any fees. For the credit loan without credibility, you can postpone the processing and temporarily ignore it. After counting the total amount, give priority to communicate with the credit card issuer to repay the principal in 60 interest-free installments. It may take many times to communicate, but it is basically negotiable. Secondly, it is urgent to give priority to repayment between relatives and friends. The conditions are not particularly good friends, but we should also do our best to keep cash in our hands to ensure our normal life. Priority repayment order: credit card, online loan, relatives and friends
Find out your ability to make money and make a landing plan. Stop all unnecessary expenses, quit smoking and drinking, delete time-consuming and money-consuming games, and it is best not to have any games on your mobile phone, and give up all entertainment activities that affect making money. Keep all expenses below your own income, with a monthly income of 5,000 yuan. Then your expenses must be controlled within 5000 yuan. Do everything possible to reduce your expenses, but you can't show your embarrassment, you can't talk about how hard you are, society is cruel, and there are few gifts to help you in a timely manner. The icing on the cake is the human nature of most people. Find parents and family members at the first time to explain the situation and ask them to keep their mouths shut and not say anything. If you earn 5,000 yuan a month and have a debt of 200,000 yuan, it will take 40 months to pay it off without eating or drinking. It takes a long time, but you must also have a sense of urgency and no pressure. Calculate your remaining funds every month, give priority to repaying credit card debts, and even take out 1,200 yuan for emergencies. It must be repaired. This is life-saving money. Don't touch it unless necessary.
Study and practice, and strive to increase your income. Nothing is more humiliating than poverty and debt. Lose unnecessary vanity. After work, find a sideline that best suits your own reality and do it well with your heart. Don't be half-hearted, just focus on one industry. It may not be effective at first, and there is not much money, but as long as you choose the right path, your income will gradually increase. It is not recommended to do some physical or time-consuming sideline work in exchange for remuneration. There must be a promising sideline.
Don't invest recklessly and keep the waves stable.
If investment is needed, it must be a small investment project, and it can ensure the rapid turnover of cash flow.
Above, I wish you an early landing and a successful career!
1, comprehensively liquidate debts
Step 2 find the debt bill
3. Ability to pay all debts in one bank.
4. Clarify the source of funds
5. Make a repayment plan
6. Clear up your daily expenses. Don't buy things you don't need.
7. Try to increase your income! !
Money is not saved, it is earned! !
Fame is the greatest pioneer in life. If you don't pay back on time, you will be restricted and blacklisted. The best scheme is to use the insurance policy or mortgage the vehicle to repay in installments as soon as possible to complete the overdue sun drying.
I am also overdue! The first thing you must quit is to raise cards with cards, borrow with loans, and rob Peter to pay Paul. I thought it was all right at first, but the farther back I went, the bigger the hole became! Secondly, you must have a stable job. Then try to find another part-time job! Furthermore, we must have strong psychological quality and endurance! Since it is overdue, it is inevitable to avoid the harassment of collection. All you have to do is ignore everything, don't answer the phone and ignore the text messages. You can't communicate with the collection at all. They won't listen to you except to pay back the money! Until the platform agrees that you can repay the principal in one lump sum! Be sure to remember, don't believe what the collection says, pay back part of it first! Avoid getting hurt again. Finally, strive to make money and strive for a one-time payment for each platform! Come on, debtor!
It's best not to overdue.
From my personal experience, the formal platform can negotiate installment repayment according to my actual income. Although it will take a long time, I can still go ashore as long as I don't mess with the pit. If there is no credit problem, I will use a credit card. I will play six cards, make up the east and make up the west, and find a job with a stable income, not afraid of hardships. Then I will make more use of my spare time to do part-time jobs and pay it off in less than two years. Now I have a car and a house. In a word, I shouldn't borrow money blindly. Don't want to borrow money, but also have a repayment plan within your ability. If you have fallen into the pit, don't lose heart, and don't even think about planning in one step, slowly but surely.
Give some venture capital and make sure that you go ashore within two years, because you know that failure, debt difficulties and raising a family are not easy.
Pay it back early if you have money. If you pay back through negotiation, you will turn around and die. Dead online loans will kill people.