Applying for online loans will affect personal credit information, which is mainly reflected in the number of inquiries made by online loan companies about your credit information and the number of applications you have made. Next, I will explain it to you from the following points:

First, applying for this kind of loan will affect your loan in the bank.

Second, the interest rate for applying for such loans is higher.

Third, there are limited repayment options for applying for such loans.

Fourth, the amount of such loans is low.

1. If the online loan is not repaid on time, the overdue record will be submitted to the credit information system to leave a bad record. The more serious the overdue situation, the greater the impact on credit reporting. In particular, it has been overdue for three consecutive years in two years and belongs to a proper black household. Even if the arrears are paid off later, it will take five years to recover. If you apply for credit business again during this period, whether it is a credit card or a loan, you will be directly rejected.

2. Online lending has no self-control. When people saw what they were applying for, they applied for more than a dozen loans in just a few months. Even if any one of them succeeds, there are too many loan approval records on the credit investigation, which will have a bad influence on the credit investigation. Such people will be rejected if they apply for loans or credit cards again. It is best to spend 3-6 months to improve the credit information.

The consequences of non-repayment of small loans are as follows:

1. Bad credit records will affect future loans and credit cards, and future mortgages and car loans will be affected.

2. You can't enjoy preferential loans or even apply for loans.

3, close the blacklist, children can not go to key schools, and there will be more penalties in the future. It can be said that life will be difficult.

4. If the personal career is affected and overdue for more than 90 consecutive days and the circumstances are serious, the bank or school will publish the ID number and overdue information in the media or notify the work unit.

5. If the circumstances are serious, they will be punished by law.

legal ground

According to Article 3 13 of the Criminal Law, those who refuse 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.

Applying for online loans will not affect personal credit information, but if the number of online loans is too frequent and multiple platforms apply at the same time, it may lead to more credit information and affect everyone's future loans. The specific situation needs to be determined by combining everyone's online loan repayment and loan times.

Personal basic information, including name, certificate type and number, mailing address, contact information, marital status, residence information, occupation information, etc. ;

What are the consequences of not repaying the loan?

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". If you are sued, your assets may be confiscated. Maybe you have a strong "anti-pressure" ability and think that the consequences mentioned above are all Mao Mao rain, then financial institutions will not be polite to you, so they will take out the secret weapon of "court" and arm themselves with the law. Once the court makes a verdict, even if you are reluctant, you must execute the "repayment ruling". Otherwise, the court will seal up the property under your name according to law and repay the arrears with the proceeds from the auction. 5. If the circumstances are serious, you will go to jail. Generally speaking, such incidents as non-repayment of loans are civil disputes 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 court will also investigate the criminal responsibility of the borrower, 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 loan fraud is fixed-term imprisonment of not more than five years and criminal detention. Loan fraud 1 10,000 yuan and less than10.4 million yuan, the benchmark punishment is criminal detention; 1.4 million yuan, and the benchmark punishment is six months' imprisonment; For every additional 600 yuan, the sentence will be increased by one month. Be sentenced to fixed-term imprisonment of not less than five years but not more than ten years (1) If the amount of loan fraud is 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. If the loan fraud is 40,000 yuan, the benchmark punishment is five years in prison; 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) loan fraud of more than 50 thousand yuan, the benchmark punishment is five years in prison; For every additional 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-fixed-term imprisonment of more than 0/0 years (1) loan fraud is more than 654.38+0.6 million yuan but less than 200,000 yuan. In any of the following circumstances, it shall be deemed as "other particularly serious circumstances". If the loan fraud is 6.5438+0.6 million yuan, the benchmark punishment is fixed-term imprisonment 10 year; 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. (2) If the loan fraud is more than 200,000 yuan, the benchmark punishment shall be fixed-term imprisonment 10 year; 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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What are the consequences of online lending?

The consequences of not repaying the online loan are as follows:

1, and bear the overdue fee;

2. Undertake platform fancy collection;

3. Facing the crisis of confidence;

4. Personal credit information is tainted;

The defendant went to court.

If the loan is not repaid, the first is the high penalty interest. Some financial institutions will pay fines on the basis of penalty interest. Moreover, it will be more difficult to apply for a credit card or online loan after the credit is damaged, and it will be collected by various means. If the online loans in Taiwan Province and France are overdue, they will be sued by lending institutions, and if they are not repaid after confirmation, they may be enforced. It may even constitute a crime.

Online loan belongs to bond investment, with clear income, and the lender obtains interest income; However, the public often confuses online lending with equity crowdfunding. Equity crowdfunding is an equity investment with flexible income. Investors get future income through investment companies, such as Beijing North Crowdfunding, 36Kr, etc., all of which belong to equity crowdfunding platforms. Whether it is bond investment or equity investment, there are certain risks. Investors should fully understand the risks, have sufficient knowledge and mental preparation for taking risks at their own risk, and judge and bear the risks of the project on this premise.

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.