If the online loan has not been repaid, it will have the following adverse consequences:

1. A penalty interest will be charged from the overdue date until all arrears are paid off. The longer the overdue period, the more accumulated penalty interest (note that the overdue penalty interest rate charged by some online loans will be higher than the normal loan interest rate).

2. The system will report the overdue situation to big data, and some online loans will be connected to the central bank's credit information, so they will also be reported to the central bank's credit information, leaving a bad record in it, resulting in personal credit damage.

3. The platform will send text messages and call for dunning. If there is no response to SMS and telephone dunning, relevant personnel may be arranged to come to the door for dunning, and even a lawsuit may be filed.

4. Due to credit problems, the subsequent handling of credit business will be hindered, and it will be difficult to successfully handle it in a short time.

Therefore, I suggest that you always remember to repay the loan on time after borrowing it, and never fail to pay it back after the deadline. Of course, if the interest fees charged by online loans are too high, the interest fees beyond a reasonable range can be chosen not to be returned.

When people use the central bank's credit records, they will leave traces of inquiry, which is not good for their lending friends. Moreover, most online loans are not credit records, so they can't find specific online loan information at the time of credit reporting. Now, through the "Kingfisher Data" data, they can learn their personal data, and at the same time, they can learn more information about overdue online loans, application records, untrustworthy information, online loan blacklists and so on without leaving a trace.

Extended data:

What are the consequences of WeChat loan?

1, frequently collected

After the borrower loans overdue, the WeChat loan platform will collect the money first. If it is only 1-3 days overdue, it is usually a text message a day or a text message a day, which is not frequent for borrowers.

However, if the borrower is overdue for more than one week, the collection calls and text messages of the collection staff will be more frequent, generally reaching about three calls a day. If the overdue time exceeds one month, not only the borrower himself will be frequently urged, but also his family and friends will find it difficult to survive.

If the borrower is overdue for more than 2 months, and the borrower chooses to escape or lose contact, the collection staff of WeChat loan can consider collecting directly at home. Of course, door-to-door collection is generally based on negotiation, and a third-party notary will be present.

2. Generate penalty interest

After WeChat loans overdue, there will be overdue penalty interest. Generally speaking, overdue penalty interest will be higher than bank loans, after all, the loan interest rate is higher.

According to the regulations, the overdue penalty interest of WeChat loan is generally 1 and 5 times the loan interest rate. The longer the borrower is overdue, the more penalty interest will be paid for overdue loans. After the penalty interest is increased, the repayment pressure is greater and it is more difficult to pay off the loan.

3. Personal credit information is damaged

Wechat loans are basically on credit reporting. Once overdue, there will be a stain on loans overdue's credit information. The longer the overdue time, the higher the level of bad records. The higher the grade, the more serious the overdue behavior.

Once there is a serious bad record in credit reporting, it is very difficult for borrowers to apply for bank mortgage and car loan in the future. Even if you apply for a credit card, it is easy to be rejected. Even if it is done, the loan amount is generally between several hundred and several thousand yuan.

4, affect the work

If the borrower fails to pay it back for more than 3 months, it is very likely that the collector will find the borrower's work unit. Once the unit knows that the borrower has a serious overdue record, it will have a serious impact on the borrower's career.

Step 5 exist

If it is overdue for more than three months, the WeChat loan platform has the right to borrow.

After the borrower is arrested and the case is established, all the property under his name will be frozen and auctioned after compulsory execution. If the borrower is a civil servant or something, he needs political review. Once it is found that there is a record of enforcement, it will also affect the future of the borrower.

What are the consequences of overdue online loans?

Hello, if you don't meet the deadline, you will face repayment reminder, penalty interest and credit investigation. I hope you can repay on time.

I suggest you find out about spending money on Xiaoman. After all, borrowing money on Xiaoman platform is convenient and easy to use. Du Xiaoman's credit service products have money to spend, providing users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman APP (click on the official measurement). The daily interest rate of money consumption loans is as low as 0.02%, and the annualized interest rate is as low as 7.2%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.

I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.

Information requirements: You need to provide your second-generation ID card and your debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman APP- Youhuahua Loan page shall prevail. I hope this answer is helpful to you.

What are the consequences of online lending?

The worst result is jail. Credit information is affected. At present, many online loans, although they can't be used for credit reporting, will generate negative credit reporting when they can't afford the loan, that is, they need credit reporting. However, this situation is generally only for formal online lending platforms, and some are informal. Private platforms will not receive credit information. If it is overdue, you need to pay back the remaining loans, otherwise the credit investigation will be recorded, and it will be greatly affected if you want to handle credit business in the future. Take legal responsibility. For a compliant online lending platform, the terms in the contract, especially the loan interest rate and related fees, are in strict compliance with relevant national laws and regulations, and this online lending platform is protected by law. If the borrower is overdue for a long time and the amount is large, the online lending platform will go through relevant legal procedures, and the borrower will be sued, not only paying back the money, but also bearing some legal responsibilities! This kind of online loan still needs to be paid back!

1. The essence of Internet finance still belongs to finance, and it has not changed the characteristics of financial risks such as concealment, contagiousness, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderately loose regulatory policy to leave room and space for Internet financial innovation. By encouraging innovation, strengthening supervision and mutual support, we will promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "legal supervision, moderate supervision, classified supervision, collaborative supervision and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal activities.

2. Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and network. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, which is regulated by laws and regulations such as the Contract Law, the General Principles of the Civil Law and relevant judicial interpretations of the Supreme People's Congress. Network refers to the Internet provided to customers by Internet companies through companies controlled by them. The network should abide by the existing company supervision regulations, give full play to the advantages of online loans, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission. The supervision of online lending platforms, from up to five or six thousand to the end of June, is only 29, and the special rectification work may basically end at the end of the year and turn into regular supervision.

Consequences of loans overdue's Failure to Return the Internet.

The lawyer replied.

Consequences of repayment in loans overdue:

1, which will result in high overdue penalty interest;

2. It will be collected by the loan platform in various ways;

3. If the borrower still fails to repay the loan after the judgment, the lender may apply for compulsory execution, and the property of the person subjected to execution will be sealed up and frozen according to law;

4. If the person subjected to execution has the ability to perform and refuses to perform, the person subjected to execution may be included in the list of untrustworthy persons;

5. If the circumstances are serious, it may constitute the crime of refusing to execute the judgment.

The first paragraph of Article 313 of the Criminal Law of People's Republic of China (PRC) stipulates: whoever refuses to execute the judgment or ruling of the people's court, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.

legal ground

Article 3 13 of the Criminal Code of People's Republic of China (PRC).

Refusing to carry out the people's judgments or orders, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.

If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.

What are the consequences of online lending?

1. What will happen if online loans have no money? Let's take a look at what will happen if we don't owe online loans: 1. Loans that do not pay penalty interest and liquidated damages will first encounter high penalty interest. On the basis of penalty interest, some financial institutions need you to pay liquidated damages. These expenses add up to an expensive expense. If you don't want to get stuck in the loan quagmire, you must develop good repayment habits. 2. Credit damage If you borrow from the online lending platform and fail to pay it back within the time limit, the credit report will be tainted. It will be even more difficult to apply for credit cards and loans in the future. Because of petty profits, it is not worth the loss to miss your credit wealth. Some people say that the loan I took from the online loan will not be included in the central bank's credit information. Needless to say, online loans and central banks are now more interconnected. Even in the online lending circle, there is an exclusive "blacklist" system. If one family doesn't pay back, it will be difficult to approve other loans. 3. Collect in various ways. Both banks and online loans have their own collection systems. Novices will send you text messages and call for money. In some serious cases, there will even be collectors harassing you around the clock, which will seriously interfere with your work and life. The average person can't stand this kind of "spiritual oppression". 4. Yes, assets may be seized. Maybe you are very resistant to pressure, and think that all the consequences mentioned above are caused by the rain in Mao Mao. Then financial institutions will not be polite to you. They should take out secret weapons and arm themselves with laws. Once the court makes a verdict, even if you are reluctant, you must execute the Repayment Decision, otherwise the property under your name will be sealed up according to law, and the proceeds from the auction will be used to repay the arrears. 5. If the circumstances are serious, you will go to jail. Generally speaking, such incidents as borrowing money and not paying it back are civil and will not rise to the criminal level. However, if the borrower refuses to implement it, it will be considered as a deadbeat and would rather run away than pay back the money. If the circumstances are very bad, the borrower will be investigated for criminal responsibility, and if it is too serious, it will go to jail. It can be seen that online loans can still be filed. Second, the sentencing standard for online loans is less than five years, and the sentencing loan for criminal detention is more than 1 10,000 yuan and less than10.4 million yuan. The benchmark punishment is criminal detention; 1.4 million yuan, and the benchmark sentence is six months; For every additional 600 yuan, the sentence will be increased by one month. Sentencing for more than five years but less than ten years (1) If the loan is fixed at more than 40,000 yuan but less than 50,000 yuan, it shall be deemed as "other serious circumstances" under any of the following circumstances. The loan is 40,000 yuan, and the benchmark sentence is five years; For every 800 yuan increase, the sentence will be increased by one month; For each increase, the term of imprisonment is increased by six months: (1) bribing the staff of a bank or financial institution for the purpose of defrauding loans, and the amount is relatively large; (two) squandering loans or using loans for illegal activities, resulting in loans that cannot be repaid at maturity; (three) concealing the whereabouts of the loan and refusing to repay it after the expiration of the loan period; (four) to apply for a loan by providing false guarantee, and refuse to repay it after the expiration of the loan period; 5. Apply for a loan in the name of another person and refuse to repay it after the loan term expires. (two) the loan is less than 50 thousand yuan, and the benchmark punishment is five years; For every increase of 3,500 yuan, the sentence will be increased by one month; Every time one of the circumstances specified in the first paragraph is added, the sentence is increased by six months. /kloc-sentencing for more than 0/0 years (1) If the loan is more than 6,543,800 yuan and less than 200,000 yuan, it shall be deemed as "other particularly serious circumstances" under any of the following circumstances. If the loan is 6.5438+0.6 million yuan, the benchmark penalty interest will be ten years; For every additional 4,000 yuan, the sentence will be increased by one month; For each increase, the sentence will be increased by one year: (1) bribing the staff of a bank or financial institution for the purpose of defrauding loans, and the amount is huge; (2) absconding with money; (three) the use of loans for criminal activities. (two) the loan is less than two hundred thousand yuan, and the benchmark sentence is ten years; For every increase of 6,543,800 yuan, the sentence will be increased by one month; For each case listed in the preceding paragraph, the term of imprisonment will be increased by one year.

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