1. overdue loans: overdue loans are loans with principal and interest overdue for more than 180 days;
2. Sluggish loans: loan interest overdue for three years is sluggish loans;
3. Non-performing loans: Non-performing loans approved by the State Council after the death or evasion of the lender.
Write-off of bad debts must be approved by the competent financial department. Write-off of bad debts is regarded as abandonment of creditor's rights, and only ordinary bad debt reserve (not exceeding 1% of total loans) is required.
A credit record with the following five conditions will be regarded as a bad credit record:
(1) In the past 24 months, a single loan was overdue for three consecutive periods 1 times or more (inclusive);
(2) The overdraft of a single quasi-credit card exceeds 180 in the last 24 months, or the status is "bad debt" or "frozen";
(3) A single credit card has been overdue for at least 1 time for three consecutive times in the last 24 months, or its status is "bad debt" or "frozen";
(4) The minimum repayment amount of the credit card has not been paid for more than 6 times (inclusive) in the last 12 months;
(5) There are records of special transactions such as "repayment by guarantor" or "debt repayment with assets" in the loan.
How many days in loans overdue?
Loans overdue is one day overdue, with a cumulative overdue of more than 90 days.
And according to different banks, the regulations are different. Even if a simple bank has been in loans overdue for more than one day, generally speaking, the level in loans overdue is within 30 days 1, within 30-60 days, within 2,60-90 days, and so on, 4,5, and generally speaking, those overdue within 30 days are mild, not serious!
According to China Bank Card Industry Self-discipline Convention, if the payment is overdue for 3 days and the repayment difference is less than 10 yuan, no penalty interest will be charged. This delay also reflects the bank's concession, because the previous repayment is one or two days late, or there is still a fraction left unpaid, which may lead to the full penalty interest, leading to overdue personal repayment. According to the usual practice, banks provide time-sensitive services to cardholders, remind them of repayment by SMS or email at least three days before the due repayment date, and provide a repayment period of at least three days. In other words, if the cardholder pays back the money within 3 days after the stipulated repayment date, the bank shall consider it as full repayment in the same period, and no penalty interest is allowed. Note: 3 days refers to natural days, not working days.
The bank also provides tolerance service for cardholders, that is, the cardholder's current repayment is insufficient, and the unpaid amount is less than or equal to a certain amount (at least equivalent to RMB 10 yuan), which shall be regarded as the cardholder's full repayment.
If the cardholder fails to repay in full after the due repayment date and the minimum repayment amount is not selected, the bank generally takes the following measures:
1. Call or send a reminder letter to those whose credit cards have expired.
2. Those who are overdue for more than 6 times and fail to repay once will be blacklisted by the personal credit information system of the People's Bank of China. The bank will freeze the credit card account of the unpaid person and add the unpaid person to the blacklist. The record of arrears may be fed back to the personal credit information system of the People's Bank of China, which will affect the cardholder's personal credit record and lead to the cardholder's unpredictable application for housing mortgage loan.
3. If the overdue amount of the credit card is large (principal 10000 yuan or more), and it is overdue for more than three months, and the bank still fails to repay the loan twice, it is a malicious overdraft of the credit card and constitutes a credit card crime.
How to calculate loans overdue days (with detailed examples)
Many people have calculated the repayment date and capital turnover before the loan, but in practice, loans overdue may appear due to various reasons when the loan expires, especially short-term loans. When I was in loans overdue, many people didn't know how to calculate the number of days in loans overdue. Is it the same day or the next day? I have compiled some information about loans overdue and told you how to calculate the number of days in loans overdue.
Whether it is a short-term loan or a loan that is repaid with the loan, as long as it exceeds the final repayment date, it is considered overdue. Generally speaking, loans overdue is calculated from the day after the last repayment date. Here is a concrete example to tell you how to calculate the number of days in loans overdue.
Passerby A, a loan user, found a platform claiming 100% payment on the Internet. Passerby A applied for a loan of 8,000 yuan on September 15, and chose to repay it on June 10+04 one month later.
The company approved the loan quickly and paid 8,000 yuan to passers-by on the same day. Passer-by A took the loan money and immediately went to solve the urgent need, but after one month, Passer-by A was invalid and repaid on June 20th 10.
If you want to calculate the loans overdue days of passerby A:
1. Generally speaking, from the second day of the final repayment date (i.e. 10 to 15) to the actual repayment date (10,20), it takes six days in loans overdue.
2. If 10 14 falls on a Saturday and the loan contract stipulates that the loan will be repaid within one working day, then the loan is expected to last for 4 days.
It is worth mentioning that, generally speaking, if a passer-by repays the loan in June 65438+1October 65438+May, it will be regarded as a day in loans overdue.
How long is the bank in loans overdue?
There is no limit to the bank's loans overdue time, but the longer the overdue time, the changes will occur in the records in the credit report. In overdue loans, banks allow more than 90 days. Therefore, the overdue time of users should not exceed 90 days. Once it is deemed as malicious overdue by the bank, it will bear serious consequences.
After the user is overdue, once he wants to repay the loan as soon as possible and shows the bank that he is not malicious, it is best to issue a non-malicious overdue certificate.
This concludes the introduction to the calculation basis of loans overdue days and loans overdue days. Did you find the information you needed?