1. Now many online lending platforms have realized information sharing. After the loan is not repaid, cyber black will be completely banned by the entire online lending industry. When you need to borrow the network in the future, there must be nowhere to borrow it. In addition, the personal information of cyber criminals may also be published on the website, which will bring great losses to their reputation.
2. Generally speaking, the online lending platform will call the debtor for dunning. For some informal online lending platforms, some people may be sent to collect debts. This will have a great impact on the normal life of the debtor and his family, and even cause personal injury.
3. Once the loan platform takes legal measures to sue the cyber criminals who owe money to the court, cyber criminals may be included in the list of untrustworthy people. After cyber criminals enter the list of untrustworthy people, their daily life will be greatly restricted, including not being able to fly, going in and out of high-end consumer places and so on.
Internet will also be condemned by public opinion. As the saying goes, there is no fire in the paper, and online black loans are not inevitable. By then, cyber criminals will become the object of discussion and contempt, and their future life will be more difficult.
What are the consequences of online lending?
1. The debtor needs to pay high interest and corresponding liquidated damages.
2. The debtor's credit will be damaged, which will affect future credit card applications and loans.
3. If the online lending institution demands repayment and decides to repay the leading reed, and the borrower still refuses to implement it, it may apply for compulsory execution.
4. After the repayment judgment, the borrower refuses to repay even if he has the ability. If the circumstances are serious, it constitutes a crime of refusing to execute the judgment or ruling, and the borrower shall be investigated for criminal responsibility.
What are the consequences of online lending?
If the online loan is not repaid, it may lead to the following consequences:
Affect personal credit record: failure to repay on time will be recorded in personal credit report, which will reduce personal credit score and adversely affect future loans, credit cards, renting houses, etc.
Increase the cost of debt: overdue fees such as penalty interest and late fees will be charged, which will increase the debt and cost more.
Harassment by the collection company: After overdue repayment, the borrower may receive a phone call from the collection company or come to the door for collection, which will bring unnecessary troubles and troubles to the borrower.
May be subject to legal sanctions: if the borrower refuses to repay or delays for too long, it may be subject to legal sanctions, such as administrative detention and restrictions on consumption.
In short, if the online loan cannot be paid off in time, it will have a long-term negative impact on the individuals who have suffered losses. Borrowers are advised to fully evaluate their repayment ability and choose the appropriate loan amount and repayment period. If repayment is difficult, you should contact the borrowing institution in time to negotiate the repayment method, so as not to affect your personal credit record and financial status.
What are the consequences of online lending?
First, what will happen to online loans in a few years?
1, penalty interest and liquidated damages.
If the loan is not repaid, the first thing you encounter is a high penalty interest. On the basis of penalty interest, some financial institutions also need lenders to pay liquidated damages, which add up to a lot of expenses.
2. Credit damage
If you borrow money from the bank and fail to pay it back within the time limit, your credit report will be stained, and it will be more difficult to apply for credit cards and loans in the future. For online loans, it has now been confirmed to be included in the central bank's credit information system. Nowadays, with the development of digital information, the interconnection between online loans and central banks is closer. In the online lending circle, there is also a "blacklist" system, which is what * * * likes. If one family doesn't pay back, it will be difficult to approve other loans.
3. Collect in various ways.
Both banks and online loans have their own collection systems. Novices will send you text messages and call for payment. In severe cases, there will even be personal pressure from the collection staff for 24 hours, which will seriously interfere with your work and life. The average person can't stand this kind of mental oppression.
4. Assets may be seized by online lending platforms.
According to the loan contract and guarantee contract, the platform will take measures such as property preservation, including freezing deposits in all bank accounts of lenders and loan guarantors and sealing up pledged property. Once the court makes a verdict, you must execute the Repayment Ruling, otherwise the property under your name will be sealed up according to law, and the proceeds from the auction will be used to repay the arrears.
5. If the circumstances are serious, you should go to jail and be convicted.
Second, how do online loans not apply for enforcement?
The parties must perform legally effective civil judgments and rulings and criminal judgments and rulings. If one party refuses to perform, the other party may apply to the people for execution, or the judge may transfer it to the person subjected to execution for execution.
If one party fails to perform the award of an arbitration institution established according to law, the other party may apply to the people's court with jurisdiction for enforcement. The respondent shall execute it.
If one party fails to perform the creditor's rights documents that the notary organ has given the enforcement effect according to law, the other party may apply to the people's court with jurisdiction for search and execution, and the people's court that has applied for execution shall execute them. If there is any mistake in the notarized creditor's rights document, the people of Xianlianzi will rule that it will not be executed, and the ruling will be served on both parties and the notary office.
Generally speaking, such incidents as borrowing money and not paying it back are civil and will not rise to the criminal level. However, if the borrower refuses to implement it, it will be considered as a deadbeat and would rather run away than pay back the money. If the circumstances are very bad, the borrower will be investigated for criminal responsibility, and if it is too serious, it will go to jail.
If the borrower fails to repay the debt, it will affect personal credit and personal assets may be frozen. However, online lending platforms will also collect debts, which may bring some adverse effects to families.
What are the consequences of overdue online loans?
First of all, the positive answer is Hu's age.
The consequences of overdue online loans are as follows.
Second, the specific analysis
1, resulting in penalty interest. There will be a high penalty interest after the online loan is overdue, which is calculated according to 65438+ 0.5 times of the original loan interest. The longer the overdue period, the more interest will be generated.
2. Be collected. After the online loan is overdue, the platform will collect users and contact their family, friends and colleagues. If it is serious, you can also call the user's company or the government department of the household registration to find out the user's economic situation. It will affect the normal life of users and friends around users.
3. Affect credit reporting. Some overdue records of online loans will be reported to the central bank's credit information system. Once the credit information is affected, users who want to apply for car loans, mortgages and other credit businesses in the future will be affected.
4. rely on the platform. If the overdue amount of the online loan is large and it is not repaid for a long time, the platform may apply to the user for enforcement.
5. Blacklist. If users can't fulfill the effective judgment, they will be blacklisted to limit their high consumption behavior.
You can clearly understand the problems in your big data in Winnie Hsin. It is an efficient, accurate and complete big data system, which cooperates with more than 2,000 online lending platforms to provide accurate and comprehensive data.
Third, what should I do if my comprehensive score is extremely poor?
If the comprehensive score is insufficient, I am afraid it is not easy to borrow money from the regular licensed loan platform in the short term, because it will be audited and the comprehensive evaluation of the system will not meet the standard, and the platform will naturally not lend money.
It is estimated that only some small loan platforms that have not been approved by the CBRC and do not hold financial licenses still have the opportunity to borrow money. Because the application threshold of such micro-loans is generally low, some even need to provide ID number or mobile phone number, so they can pay directly without review. However, most of these small loans are not very formal and it is not recommended to apply. It is impossible to say that they will meet people and cause personal money losses.
It is better to choose a formal and licensed loan platform for lending, which is safer. If the comprehensive score is not enough, you can suspend the application, solve the problems existing in personal credit, and then make a loan after handling it, so you should be able to get the loan smoothly. For example, if you have bad credit, you should be patient and spend more time to accumulate good records. If you have too much debt, you should repay it in time and reduce the debt.
So much for the introduction of the consequences of non-repayment of online loans.