1. If a bank loan is overdue for ten years and is not repaid
Legal analysis: Overdue fees include not only a 5% late payment penalty for the minimum unpaid portion, but also full penalty interest on the bill (daily interest rate of 10,000 cents) 5. Interest will be calculated on the day of consumption, and interest will be charged monthly until the principal and interest are paid off). It will also produce a bad credit record in the Credit Reference Center of the People's Bank of China, making it difficult to apply for credit cards and bank loans within 5 years. If the payment is overdue for more than three months or if the bank has not paid more than two reminders, the bank will freeze the card and list it as a prohibited customer (blacklist). At the same time, the bank will also enforce the credit card and malicious overdraft. If you later refuse to repay and the amount you owe exceeds RMB 10,000, you will be sentenced in accordance with relevant laws!
Legal basis: Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China. Anyone who engages in credit card activities under any of the following circumstances and the amount is relatively large shall be sentenced to not more than five years or criminal detention, and A fine of not less than 20,000 yuan but not more than 200,000 yuan shall be imposed; if the amount is huge or there are other serious circumstances, the fine shall be not less than five years but not more than 10 years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances Whoever commits a crime shall be sentenced to not less than 10 years in prison or fined not less than 50,000 yuan but not more than 500,000 yuan, or his property may be confiscated if: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identity certificates; (2) Using Canceled credit card; (3) Pretending to use another person’s credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
2. How much is the principal and interest of a loan of RMB 6,000 that is overdue for 10 years?
The loan period is 3 years, that is, 36 installments of loan amount of 130,000 yuan. The annual interest rate is 36.61345%. This annual interest rate is >36%. The monthly repayment is 6,000 yuan. The total interest is 86,000 yuan. The total repayment is 216,000 yuan. Total repayment = Number of monthly repayment periods = 600036 = 216,000 yuan. The annual interest rate limit stipulated by the state is 36%. The loan period is 3 years, that is, 36 periods. The loan amount is 130,000 yuan. The monthly repayment is 5954.49 yuan. The total interest is 84361.76 yuan. The total repayment is 214361.76 yuan. The balance of the loan = 6000-5954.49 = 45.51 yuan. The total interest difference = 86000-84361.76 = 1638.24 yuan
3. The bank loan has not been repaid for a long time, and the bank does not press for it. It has been ten years and the payment was 20,000 yuan. ...
Contact the loan bank directly to discuss repayment matters.
For some small-amount loans that still cannot be recovered after the bank has called for payment, the bank may give up continuing to press for payment and will not ask the people because continuing to press for payment will incur more costs. , the cost to the people is also very high. In such a situation, the bank will classify the loan as a "bad debt" and it will be recorded in the borrower's personal credit report forever. If the borrower never repays, this record will always exist. .
4. Will the bank loan still be overdue for ten years?
Legal analysis will determine whether the repayment date will still be met after ten years. As long as it does not exceed twenty years, the legal liability can still be pursued. If both parties agree on a repayment date when taking out a bank loan, civil rights will not be protected on the repayment date, that is, no further pursuit can be made
Legal basis: Article 18 of the "People's Liberation Army and Civil Code of the People's Republic of China" Article 18 The statute of limitations for petitioning the people for protection of civil rights is three years. If the law provides otherwise, such provisions shall prevail. The statute of limitations shall be calculated from the date of injury to the rightful person and the obligor. If the law provides otherwise, such provisions shall prevail. If the period has expired twenty years ago, the people will not grant protection. If there are special circumstances, the people may decide to extend the period based on the application of the right holder.