1, timely payment

When the lender's repayment card does not have enough money to deduct the loan amount+principal, which leads to the deduction of the banking system, a little less money will be deducted. In case of overdue, the lender should immediately recharge the repayment card, recharge enough money, and then take the initiative to repay. Or call the bank customer service to inform the situation and let the system deduct the money again.

2, non-malicious overdue

The lender can tell the bank that it is not malicious overdue, and then ask whether it can issue a non-malicious overdue certificate. If the bank agrees, the lender can take the non-malicious overdue certificate to the Credit Information Center of the People's Bank of China to correct the overdue record. However, it should be noted that not all cases can apply for a non-malicious overdue certificate.

Generally speaking, loans overdue is caused by force majeure factors such as bankruptcy, serious illness, unemployment and detention, and the lender can apply to the bank for a non-malicious overdue certificate.

At present, some banks have a grace period for loans. If the lender can make up the remaining arrears in time within the grace period, there will be no loans overdue record in the credit investigation.

Bank overdue loan disposal process

1, extension, borrowing new and returning old, reorganization

Some people say that banks are indifferent and will not accommodate overdue loans. In fact, this statement is not true. In reality, for overdue loans, after investigation, if the bank determines that the borrower still has enough repayment ability in the future and the current difficulties are only temporary, then the bank will generally extend the loan period (extending the repayment period, generally not exceeding half of the original loan period) or borrow new loans to repay the old ones (the bank will reissue a loan to the applicant to repay the old loans). If the problem is serious (or although it is predicted that it will improve in the future, it is still difficult to return it), the applicant is allowed to solve it through reorganization (for example, the original guarantor operates normally, the guarantor assumes the debt and the applicant becomes the guarantor).

The purpose of the above three disposal methods is to exchange time for space and try not to control it well. After all, banks don't want their customers to be overdue (some banks will also give installment repayment or reduce interest to reduce the pressure on borrowers and ensure them to tide over the difficulties and repay their debts).

2. Exhibits borrowed from the exhibition

If the above methods of 1 cannot be solved, then this loan is a real non-performing loan. Of course, for non-performing loans, it does not mean that the bank's losses are as much as the amount of non-performing loans, because most of the bank's loans are guaranteed. For mortgage loans, banks will repay loans by auctioning collateral; For the guarantee, the bank will repay the loan by urging the guarantor to collect it; For pure creditor's rights, it is theoretically a loss, but after the actual bank is sued by the court, if the other party still refuses to return it, it can also apply for compulsory execution of the assets under its name.