In addition to overdue loans, bad long-term loans will also be included in the blacklist of online loans. Specifically: Sixi data, test your own long-term lending situation. Long-term lending is mainly an individual's recent application in a lending institution. I suggest you slow down yourself and stop all lending-related operations within three months. After three months, the natural risk index will be reduced and the blacklist will be eliminated.
If the borrower loans overdue, in addition to calculating the interest at the normal interest rate every day, will also generate additional overdue penalty interest, and the overdue penalty interest will also roll interest, which will make the amount of arrears roll up, leading to a sharp increase in the repayment pressure of the borrower. However, there is also a way to negotiate repayment with the loan platform without charging loan interest.
The repayment of the loan has not been negotiated, and the borrower should actively communicate and negotiate with the loan platform instead of negotiating with the collection. In the negotiation process, we should have a sincere attitude, show our willingness to repay, explain our economic situation and difficulties, give a convincing reason to the loan platform and obtain the consent of the loan platform.
Once the negotiation is successful, the loan platform will suspend the loan interest, but will re-sign a personalized installment agreement with the borrower, because the installment repayment will pay the installment fee in addition to the principal. The borrower must fulfill the repayment obligation in accordance with the new contract in the future, and shall not be overdue again, otherwise interest will be charged, and it is very likely that the debt will be paid off in one lump sum.
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What if the loan is not repaid?
If the loan is not paid yet, the customer is advised to take the initiative to contact the handling bank (lending institution and platform) to make it clear that the individual is temporarily unable to repay, indicating that he does not intend to repay, but does not have the ability to repay, and then the customer voluntarily expresses his willingness to repay, and can try to apply for extending the repayment period and repaying in installments.
Handling banks (lending institutions, platforms) will generally consider it as appropriate, so it is best for customers to provide certain information as evidence (such as proof of termination of labor contract, unemployment certificate, etc.). ) when negotiating.
If an agreement is finally reached, the customer can then discuss a new repayment plan with the other party according to his actual economic situation, and then repay the arrears in installments according to the new plan.
In addition to negotiating with the handling bank (lending institution, platform), customers can actually try to borrow money from relatives and friends around them. Although the repayment burden has not actually been reduced, at least relatives and friends can borrow money to better discuss the repayment time, and will not charge interest, and there will be no credit damage caused by overdue.