1, negotiate repayment

In the current difficult repayment situation, the borrower can contact the staff of the lending institution before or after the deadline to apply for deferred repayment or reduce the interest of a certain liquidated damages.

Generally speaking, when applying for repayment by agreement for the first time, the online lending institution will refuse. Borrowers don't need to lose confidence or contact. They can communicate many times and submit proof of financial difficulties. After the two parties reach an agreement, they will repay in accordance with the latest affordable repayment rules.

Step 2 ask family or friends for help

If there is no money to repay the loan at all, it is best to seek the help of your family in time. After assisting in repayment, we should try our best to return the funds at home later. Never repay the loan with a loan, the hole will only get bigger and bigger.

3. Mortgage or auction

If the borrower has any valuable real estate under his name, he can choose mortgage or auction. The funds obtained from mortgage and auction are used to repay the arrears. Then work hard, open source and reduce expenditure, and then buy it back.

Before applying for a loan, you can go to Beijian to check your credit status quickly. If your credit is not good, you can wait for a while, and then apply when the credit risk score is not high and there is almost no stain, which will make it easier to pass.

How to deal with the arrears of online loans?

If the online loan has been delaying the arrears, it is recommended to do the following:

1. Those who have the repayment ability should pay off their debts as soon as possible, otherwise continuing to delay the arrears will only generate more overdue penalty interest. At that time, there will be more and more repayments, the repayment burden will become heavier and heavier, and the adverse effects will become more and more serious.

2. If you can't pay it back for the time being, you can try to pay it back, and then you can take the initiative to contact the customer service staff of the loan platform to negotiate, tell the other party that you don't have the repayment ability for the time being, and provide some information to show your willingness to take the initiative to repay. Try to apply for extending the repayment period and repaying the arrears in installments. The loan platform should be considered as appropriate.

3. You can try to borrow money from close relatives and friends to raise funds to repay the arrears. Pay back the online loan first, and then return the money to relatives and friends.

4. If it is found that the interest charged by online loans is too high and has reached the standard of usury, you can choose not to repay the fees beyond a reasonable range, or you can collect evidence and report it to the local CBRC or the China Internet Finance Association.

What should I do if I can't afford online loans? The best solution is

1, take the initiative to contact the platform after the arrears are paid: not all overdue, the personal credit report will show immediately, some platforms will have a few days, and some will report overdue records to the central bank's credit information center next month, so once they find overdue, contact the online lending platform and try to solve the problem before reporting;

2. For loans with interest exceeding the specified amount, choose legal treatment: according to the national regulations, the comprehensive interest rate of any loan cannot exceed 36%, so if the user's loan exceeds the specified amount, he can protect himself through legal means, and the user who exceeds the specified amount does not need to return it;

3. Find ways to raise funds: You can borrow money from friends and relatives. If you can't borrow money, comrades who are not unemployed will go to work with peace of mind, and those who are unemployed will actively look for jobs or find good ways to make money, but don't take the road of breaking the law and committing crimes. Online lending is not urgent. The state will protect your personal safety from infringement;

4. Return your own funds reasonably for repayment: As long as users have a certain income, they can gradually repay their loans by returning part of their loans every month. Users should also have a reasonable plan when repaying money. First of all, they should plan loans with higher interest rates, and then repay them with greater economic pressure.

What are the consequences of owing money on online loans?

1, high interest and corresponding liquidated damages.

2. Credit will be damaged, which will affect future credit card applications and loans.

3. If the online lending institution brings a lawsuit to the court for repayment, and the court decides that the borrower still refuses to implement it after repayment, it may apply for compulsory execution.

Warm reminder: it is only natural to pay back debts. Whether you are in financial difficulties or not, you must pay it back. If you owe a lot of online loans, the best way is not to pay them back after the deadline, but to pay them off as soon as possible, which can reduce expenses. The above methods are the best way to deal with excessive online loan arrears. People in need can refer to it!

What should I do if I owe money on online loans?

First, borrow money to repay. If the online loan is still not available, you can find relatives and friends to borrow money to solve the current repayment problem. Don't let it expire or even affect your credit information. When the funds are sufficient, you can pay back your relatives and friends. Second, negotiate repayment. If the online loan cannot be repaid, the borrower can apply to the online loan customer service for negotiation repayment, indicating that if the loan cannot be repaid now, he can apply to repay the interest first and then the principal, or reduce the monthly repayment amount and extend the repayment period to negotiate with the online loan customer service. Third, mortgage valuable things. If there is no deposit, it is impossible to borrow money from relatives and friends If you happen to have something of high value, you can mortgage it or sell it, and then tx.

Repayment. [Extended information] Consequences of overdue online loans: First, bear high overdue fees. For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. So, if you have the ability to repay on time, don't be late. Second, undertake the platform fancy collection. The collection is generally divided into three stages: the first stage, just a few days after the deadline, the platform customer service MM whispered a warm reminder that it is overdue, please repay it on time; In the second stage, after a long overdue period, the platform customer service seriously warned that it would face serious consequences if it was not overdue; In the third stage, it has been overdue for a long time, and the platform no longer swindles and starts practical actions. In fact, there are many kinds of behaviors, such as: the platform pushes your arrears information to your relatives and friends, making you lose face in the circle of friends; Arrange a platform for special collection personnel to collect money at home and communicate face to face with the account. Of course, these are all mild. Some platforms outsource collection, and special collection companies collect. Some time ago, the "violent collection" of the collection company broke out. I believe that borrowers are unwilling to be satisfied. Third, the China People's Bank's credit investigation is tainted. At present, most online lending platforms have not been connected to the credit information system of the People's Bank of China, but it has become an inevitable trend to connect to the credit information system of the People's Bank of China. In the future, loans overdue, an online lending platform, will be recorded in the credit information system of the People's Bank of China, just like loans overdue and overdue credit cards, resulting in a credit stain. If the previous consequences are only a shame, then credit information will be defiled and real life will be affected. Want to buy a house, can't get a loan, want to buy a car, can't get a loan, and so on. Four. The defendant went to court. Long-term overdue or intentional non-repayment of loans, amounting to more than 2,000 yuan, can already constitute a crime of fraud and is in danger of being sued by online lending platforms. Once the court decides that the online lending platform wins the case, the borrower not only needs to pay back the money, but also pays the litigation costs and huge fines of both parties, and even faces jail time. When such problems occur, all parties concerned should repay the loan as soon as possible. If you can't repay, you can choose to communicate with the platform and explain your actual situation, which will help solve related incidents in the future. Relevant platforms will also consider the attitude of borrowers and give relevant suspension to deal with such incidents.