It is common for banks to apply for suspension of payment. As the saying goes, it is natural to pay off debts, but in real life, there are many deadbeat people who, after borrowing money from others, do not pay back the money for various reasons. Let's look at the banks that can apply for suspension of payment.

Banks that can apply for suspension of payment 1 1, Bank of China.

There are two options:

(1) After the installment, the overdue fine and liquidated damages will be stopped, and the interest will not be reduced.

(2) No reduction, up to 60 installments, you need to go to the local branch to sign the contract.

2. Industrial and Commercial Bank of China

It requires a down payment of 10-30% and a handling fee of three thousandths, which can be divided into 60 installments at most.

3. Agricultural Bank of China

You need to pay a down payment of 65438+ 00% of the total arrears, and charge a handling fee, up to 60 installments.

4. China Construction Bank:

(1) 30% down payment, divided into 48-60 installments, without handling fee.

(2) Down payment 10%, divided into 48-60 installments, with handling fee.

5. Bank of Communications

The policy is the best, no down payment, partial or full reduction, up to 60 installments.

6. Postal Bank

If the overdue period of the Postal Savings Bank is too short, it will be difficult to negotiate. It can be divided into 60 periods at most, and the down payment and reduction can be negotiated by yourself.

7. China Merchants Bank

No reduction, no down payment, up to 60 installments, but very few, generally 48 installments.

8. Ping An Bank

No down payment, no reduction, up to 60 installments, full settlement can be discounted.

9. China CITIC Bank

A down payment of 5%- 10% is required, which can be divided into 60 installments at most.

10, Minsheng Bank

A down payment of 65,438+00% is required, which can be reduced or exempted in part or in whole, and can be divided into 60 installments at most.

Shanghai Pudong Development Bank 1 1

There is no down payment, and some penalty interest and liquidated damages are reduced, which can be divided into 60 installments at most.

12, Industrial Bank

There is no down payment, and the reduction is strong, which can be divided into 60 installments at most.

13, China everbright bank

There is no down payment, and it can be divided into 60 installments at most. Proof of poverty takes a long time and will be verified. You need to sign a paper agreement at the branch.

14, Huaxia Bank

Down payment 10%, which can be divided into 60 installments at most.

15, China guangfa bank

There is no down payment, no reduction, and some handling fees, which can be divided into 60 installments at most.

Bank of Guangzhou 16

No down payment, up to 60 installments.

Of course, it is more difficult to stop paying interest, and banks will not easily agree, so we must insist on negotiation.

What are the requirements for banks to stop paying interest?

Regarding credit cards, banks have a business called "stop account". To put it simply, a stop-interest account means that interest is stopped and the principal is repaid in installments, which can be divided into 60 installments for five years at the longest. This is for people whose credit cards are overdue and have been collected, but they can't pay off their debts at one time.

Why does the bank customer service say that there is no stop-and-go business? What are the requirements for banks to stop paying interest?

Some people want to handle the bank's suspended account, but they are told by the bank staff that there is no such business. Why?

Because the bank calls this business personalized installment repayment, but even if you are right, you should figure out how to handle it.

For example, if you owe the bank100,000, you can negotiate with the bank to handle the repayment in 60 installments for 5 years. There is no interest in this installment, but you have to know that the bank's money is also the deposit of ordinary people. If you want to pay interest to ordinary people, can you handle it easily?

Unless you really have no repayment ability, it is normal for the bank to disagree or collect and harass you. Then, in this case, you must continue to call and show sincerity. If you persist, you will definitely win.

Of course, if you want to stop paying, you need to meet certain conditions.

According to the provisions of Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, if the following four points are met, you can apply for stopping payment.

Condition one, the repayment person has the willingness to repay.

Conditions, the cardholder has the ability to repay by installments.

Condition 3: the cardholder's bill is overdue and cannot be repaid in one lump sum.

Condition four, the cardholder wants to return to normal life, no longer dunning, and does not want to be executed.

Banks that can apply for suspension of payment. Under what circumstances can I apply for suspension of payment?

Cardholders should be willing to pay back, but they can't pay back the balance in their credit cards, so they can apply to stop paying.

In other words, when the cardholder is overdue, the liquidated damages and interest will not rise, only the total amount owed will be marked. When the cardholder raises or earns enough arrears, he can directly settle the arrears without paying liquidated damages and interest. This policy is a kind of welfare for cardholders with financial difficulties and a retrogression of banks. In other words, the bank only accepts the principal owed by the cardholder, and does not accept interest and liquidated damages, so as to reduce the repayment pressure of the cardholder.

If the amount owed by the cardholder exceeds his repayment ability, but the cardholder is willing to repay, the bank can negotiate with the cardholder and sign a personalized installment repayment agreement, which will be repaid in 60 installments within 5 years, but not all applications are successful.

Second, can online loans be stopped?

You can't. When applying for online loans, the borrower and the lender will sign a loan contract. If the online loan is overdue, interest and liquidated damages need to be calculated according to the contract. Under normal circumstances, the lender will not agree to stop paying interest, but you can negotiate with the lender to postpone repayment or reduce interest and other relatively reasonable solutions.

In addition, it should also be noted that after the debtor owes money, he needs to fulfill his repayment obligations in accordance with the contract. If it is really unable to repay, you can negotiate repayment directly with creditors and try to reduce interest or repay in installments. If one party fails to perform the contractual obligations or fails to meet the contractual obligations, it shall be liable for breach of contract, such as continuing to perform, taking remedial measures or compensating for losses. Failure to pay debts constitutes fraud.

3. What are the benefits of stopping paying interest?

1. The arrears can be repaid in installments after the interest is stopped. Although the installment fee will be paid, it will not generate any new interest, which can avoid the situation of rolling interest.

2. The longest repayment period can be divided into five years, which can alleviate the repayment pressure. Just pay back the money according to the signed agreement every month.

3. After the account is suspended, the bank will no longer urge the cardholder to collect money, and there is no need to worry that the endless collection will affect the work and life.

You don't have to worry about being sued by the bank after you stop paying the bill. It's best to record it first and then handle it so that it can be used as a voucher.

To apply to the bank to stop the interest-bearing account, certain conditions need to be met. Stop account is the overdue repayment method of credit card, not the overdue repayment method of online loan. If the online loan is overdue, it is necessary to communicate with the loan platform, show the reasons for the overdue to the loan platform, express the willingness to repay, and then apply for deferred repayment or go through the formalities for deferred repayment.

Banks that can apply for suspension of payment. Can individuals apply for suspension of payment?

Of course.

1, giving the reason of "irresistible"

According to the above Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, cardholders can only apply for personalized installment if they are unable to repay the loan. Therefore, before you apply, you must first show that you are overdue for irresistible reasons.

2. Show the determination of repayment and the attitude of giving priority to repayment of bank credit cards, and choose compulsory installment or you will not be able to repay.

Each bank has different policies on the time and amount of overdue. Once rejected, there is little hope of successful application. If you are worried about rejection, you can also seek legal help and strive for the maximum amount of relief, divided into 60 installments.

2. What are the advantages and disadvantages of suspending the use of credit cards?

(1) Benefits

1. After the interest is stopped, the arrears can be repaid in installments to avoid interest rolling.

2. The longest repayment period can be divided into five years, in order to reduce the repayment pressure, and repay the loan as agreed every month.

3. After the account is suspended, the bank will no longer collect the cardholder.

Don't worry about being sued by the bank after stopping paying the bill. It is recommended that you record it first, and then treat it as a voucher.

(2) Disadvantages

1. When the credit card is overdue, resulting in bad credit, stop charging interest.

You can't handle any bank's credit business before all the debts are settled.

3. If you don't repay the loan as agreed, you will be called back, and even the bank may directly sue you for credit card fraud.

3. What are the consequences of a malicious overdue credit card?

1. Credit cards do not require the borrower to bear the liability for breach of contract, which is generally a high penalty interest and liquidated damages;

2. Collection by financial institutions;

3. If the credit card is overdue for 90 days, it may be sued by the banking institution.