The loan in Zhonghui will not generate penalty interest, and the longer it takes, the more penalty interest will be generated, and the later repayment burden will increase; If it is not returned for a long time, the platform will collect it. The common method is to call the borrower. If you continue not to pay back, you will sue the borrower at this time and enforce it after the court decides.

If the loan in Zhonghui is not repaid, it will also be credited, which will affect all aspects of the loan, such as mortgage loan or credit loan. Moreover, after the overdue arrears are returned, this overdue record will be kept for 5 years and will automatically disappear after 5 years.

In order to avoid the situation that the loan cannot be repaid on time, users should measure their repayment ability and know what income they use to repay. If your income is not much, you should handle the loan carefully at this time, and only when your income is good can you handle it.

When the repayment cannot be made on time, users can borrow money from friends around them to avoid overdue, but they should return it to their friends in time after borrowing. If the user's loan amount is not very high, he can borrow it directly from his parents and pay it back later to avoid interest expenses.