Yi Hao Loan is a loan platform, which was put into operation after being audited by national financial institutions and credit center before going online. Therefore, Yi Hao Loan is a formal credit platform, and borrowers can apply for loans with confidence. When applying for easy loan, the loan applicant needs to register on the system through his own identity information, and form his own loan application account on the system through registration.
When a person's loan application account is authorized by the system, the loan application system will obtain the applicant's credit rating according to the applicant's identity information, and the system will enter automatic review to alleviate it. After the approval, the approval system will distribute the loan amount to the applicant's loan application account according to the approval result, and the applicant will bind the bank to withdraw money.
The harm of loans overdue's failure to pay back:
1. If there is a penalty interest, 50% interest will be added: although the policies of each lending institution are different, banks will be more accommodating than small lending companies on the whole. Credit loans overdue, the lender will first collect the loan, remind the borrower to repay, and the interest rate will rise as a daily penalty.
2. Bad credit records will affect future loan and credit card processing: every day after the deadline, your name will appear in the internal system of the bank at the same time, and then the president and the risk control will see it. After the deadline, the credit report will inevitably leave a bad record.
3. Can't enjoy preferential loans, or even apply for loans: Many people, when applying for mortgages again, find that they have left too many overdue repayment records on the old mortgages due to carelessness. In addition to the penalty interest on overdue loans, they may not be able to obtain the preferential interest rate of bank mortgage smoothly. What's more, it is impossible to apply for a mortgage.
4, close the blacklist, children can not go to key schools: some people who deliberately delay travel debts will be blacklisted. So that you can't fly, high-speed rail, accommodation, etc. What is more serious is that children can't go to key schools, and there will be more penalties in the future. It can be said that life will be difficult.
5. Impact on personal career: For students who have been studying in loans overdue for more than 90 consecutive days and the circumstances are serious, the bank or school will publish the ID number and overdue information in the media, or notify the work unit. Banks will sue those who owe money maliciously or intentionally. If it is overdue for 90 days in a row and can be remedied in time and repaid on time, the credit level will not be greatly affected.