With the rapid development of various loan businesses, it has also provided everyone with a lot of convenience in borrowing money. Many friends want to find opportunities online when they are short of money, resulting in too many options later. return. Moreover, some friends still have the mentality that why should I pay back the money I borrowed based on my ability? No matter how bad my credit score is, I won’t buy a house anyway.

If I cancel my mobile phone number, I don’t have to repay it?

The answer is no. If you borrow only 10,000 yuan from a bank, few banks will waste the effort to file a lawsuit against you. But this does not mean that banks will let you go easily. They will hand over your bad debts directly to outside collection companies. Those people will not be so polite to the banks, and some will even come to collect debts.

So what should I do if I really can’t repay the bank loan?

1. When the bank calls for collection, you must have a good attitude and answer the phone. You can pay a little less first to let the bank see your willingness to repay.

2. Negotiate with the bank for interest rate reduction or debt installment, and pay off part of the debt first.

3. Find a reliable person with strong financial resources to provide guarantee and sign an installment repayment agreement with the bank.

The money owed to the bank has to be repaid, so does the money from online loans have to be repaid?

1. If the amount exceeds the national regulations, you do not need to repay it. Of course, you can also ask for an interest rate reduction for repayment.

2. For P2P debts of more than 3,000 and less than 10,000, as long as they are not listed in the credit bureau or China Credit Union, ignore them for now. Let the collection wait for three months, and discuss asking for only the principal to be repaid, or to repay with a reduced principal.

Generally speaking, violent debt collection has gradually decreased. If you want to halve the repayment interest and clear the overdue fees, you still need to negotiate on your own, so it is still beneficial to know more about these things. .