The way to deal with car loans overdue in one day is as follows:
(1) You can actively negotiate with the bank to provide guarantee for the debt, change the original loan contract or conclude a new contract, and let the bank withdraw the lawsuit;
(2) If you are sure of winning the case, you can actively respond to the lawsuit and request the court to dismiss the bank's lawsuit.
Generally speaking, delaying the repayment of the car loan for one day will lead to the decline of personal credit and be listed as a dangerous customer by the bank, so try not to delay the repayment; However, there are exceptions to everything, and banks are also allowed to delay repayment due to individual emergencies, but they need to explain and apply to the bank in advance.
Overdue loans refer to overdue loans (including loans due after extension) agreed in the loan contract (excluding sluggish loans and bad loans).
Overdue loan refers to the money that the borrower fails to return to the lender within the time limit stipulated in the loan contract. According to the relevant provisions of the Civil Code, the borrower fails to repay the loan within the time limit stipulated in the loan contract, which is a breach of contract and should bear the liability for breach of contract. The ways to bear the liability for breach of contract include returning the loan principal, paying the interest during the loan period agreed in the contract and paying the interest of loans overdue. Repaying the loan principal and paying interest within the loan period agreed in the contract will generally not cause disputes because the parties have clearly agreed in the loan contract; There is a great dispute between the parties about the interest on overdue loans, and the standards applied by judges in hearing such cases are not uniform, which affects the authority of the law. Lawyers believe that it is necessary to integrate this issue so that everyone's understanding can be unified.
The funds invested by banks in such loans may or may not be recovered in the future. There is a great possibility of losses, and commercial banks usually have to impose a penalty interest on such loans. Overdue loans are the problem assets of banks. Commercial banks should maintain a high capital reserve, and the reserve ratio is generally 50%.
Loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to repay the principal and interest of the loan to the bank that issued the loan according to the loan term agreed in the loan contract, and fails to go through the relevant extension or lending procedures, resulting in the loan exceeding the agreed term.
Legal basis:
Article 667 of the Civil Code of People's Republic of China (PRC)
A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 673 of the Civil Code of People's Republic of China (PRC)
If the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.