1. The consequences of not repaying the 1,000 online loan

Legal analysis: 1. Penalty interest and liquidated damages. If the loan is not repaid, the first thing you will encounter is high interest. And the corresponding liquidated damages. If you don’t want to get yourself into a loan quagmire, it is best to develop good repayment habits. 2. Your credit will be damaged, whether you borrow money from a bank or an online loan platform, if If you fail to repay your debt overdue, it will be much more difficult to apply for a credit card or loan in the future. Some people believe that late payment of online loans will have no impact on their credit score. In fact, this idea is wrong. At this stage, online lending platforms and the central bank have an interconnected and encrypted system. Among online lending platforms, there will also be a unique "blacklist" system, which can be used in minutes. Can check your credit 3. If the circumstances are serious, you will be jailed. Many people are very concerned about whether they will be jailed if they fail to repay online loans. Usually, incidents such as failure to repay money are civil affairs and do not rise to the criminal level. However, if the borrower refuses to perform or has the ability to refuse to repay, and insists on being a bad guy, then the borrower can be held criminally responsible. If the circumstances are too serious, he will be imprisoned.

Legal basis: Article 680 of the "People's Republic of China and Civil Code" prohibits usury lending, and the interest rate for borrowing must not violate relevant national regulations. If the loan contract does not stipulate the payment of interest, it will be deemed that there is no interest. If the loan contract does not clearly stipulate the payment of interest, and the parties cannot reach a supplementary agreement, the interest will be determined according to local or party transaction methods, transaction habits, market interest rates and other factors; if the loan is borrowed between natural persons, it will be deemed to have no interest.

2. My online loan of more than 1,000 yuan has been overdue for almost a year. What will be the consequences if I don’t pay it back?

1. Stop using loans to support loans. If all the platforms are overdue and refuse to pay back the due date, if you have one thousand in hand today, just plug the hole of one thousand, and then take it out, and tomorrow's three thousand will still not be paid, and the online loan will only become more and more. If you collect it, It's not enough to pay back all the money, and the part you pay back today is all a waste.

2. Confess to your family immediately. How many platforms do you owe, when you borrowed it, when you repaid it, how much you borrowed, how much you got, how long it was overdue, how much liquidated damages, phone number, address, list it out in a book, show it to your family, don't hide it. Only family in this world can really help you.

3. After the due date, a statement will be sent in advance to various groups and circles of friends. After the due date, there will be countless collection calls and text messages, which will affect many relatives, friends and even leaders in the address book. Don’t be afraid. Post a statement in the circle of friends in various groups and ask them not to say they know you when they receive the call, don't ask any more questions, and just hang up. Explain it well, the process will be a little painful.

4. Inform all relatives and friends of your new number and ask them not to contact the old number again. After the old card has no call records for a few months, relatives and friends will receive fewer calls.

5. Check your own credit report to know which online loans are credit-reported and which are not. Pull a credit report from the central bank and the public account Qianru Data respectively. The former checks it at the People's Bank of China Credit Reference Center, while the latter obtains a report on online loan data. It is connected to more than 2,000 online lending institutions, and the data is relatively accurate. WeChat user detection is more convenient.

6. Find a job and live a good life. It doesn’t matter how much you owe. As long as people are alive, there is hope.

3. What will happen if an online loan of 1,000 yuan is not enough?

The impact of overdue loans from China Merchants Bank: Overdue loans will be recorded in the credit reporting system, and all subsequent applications for loans and credit cards need to review the credit status. It is recommended to keep good records;

Please confirm with the agency handling subsequent business whether there will be any impact after the specific review.

IV. What are the consequences of not repaying a 1,000 online loan?

The consequences of not repaying a 1,000 online loan will have the following consequences:

1. Bearing high overdue fees.

2. Accept platform collection.

3. The credit report will be stained.

4. The defendant goes to court.

According to the provisions of Article 186 of the "General Principles of the Civil Law", if one party's breach of contract damages the other party's personal rights and interests or property rights, the injured party has the right to choose to request that it bear liability for breach of contract. or tort liability.