Then go to China Bank to get the credit report, and all the credit reports must be returned, which is certain and unavoidable.
If you can afford it, you'd better pay it in one lump sum, but you must see clearly that some prepayments need to pay liquidated damages (don't ask if you don't care about the amount of liquidated damages), but if you talk about the most economical, you will pay liquidated damages normally, and some will reduce interest in advance, which will save some money. If you can't afford it, make a list and see how much money you need to pay back every month. Of course, the salary will be high. You can discuss it with customer service. All credit companies are regular companies, and violent collection basically does not exist, so don't be afraid to show that you have no intention of paying back the money. Please give yourself some time and try to make money.
Short-term loans such as 7. 14.2 1 are basically unavailable. Interest is illegal, and anything with an annual interest rate of more than 36% is illegal. For example, borrow 1000 yuan for 7 days, and pay it back after 7 days 1000. We don't have to repay this loan.
The above is my own opinion, which is not comprehensive. If you have any questions, you can ask again.
First of all, what the president wants to say is that at present, online loans, credit cards, bank loans and so on. They are all normal borrowing methods, and everyone basically borrows money through this channel, so don't think this kind of borrowing is bad.
In fact, for the most economical repayment method and process of online loans, the president will give you a detailed introduction below, hoping to help friends who have online loans, credit cards and bank loans.
Many people may not understand debt cutting, so debt cutting is to cut off your behavior habit of robbing Peter to pay Paul. No new debts.
For example, on your website, you can give all the online lending platforms that you have lent money to, and take the initiative to call and negotiate to tell you the current environment. There is not enough ability to pay off all online loans.
Further negotiate with online lending companies and online lending platforms and repay them in the future. The first step 1 is to negotiate with the online lending platform and not repay interest and liquidated damages. Only repay the principal of all online loans.
Step 2: You can choose to pay off the loan principal in three years and five years. But for repayment, you must express a strong will. If you don't want to pay back the money or answer the phone, all kinds of actions will constitute a legal breach.
The most economical way of repayment is not to pay interest and liquidated damages, but only to pay the principal.
The second step is to divide the principal into three or five years and repay it monthly. The advantage of monthly repayment is that you can have a stable income and pay off the principal in installments. If you want to pay off the principal in one lump sum within three or five years, it will bring you some pressure, but they are worried about the online lending platform.
Step 3: Make a repayment plan, and the source of repayment should be detailed. You can choose to pay less in the early stage and pay more in the later stage, which is also a development process for you, but you must have detailed plans and plans.
Since you asked about the repayment method, it means that you have already repaid the online loan, but I don't know what kind of online loan you are talking about. Beheading, or super interest loan? Or a black loan with a period of 7 days 15 days! The most economical way is to pay at the lowest monetary cost. There is only one way to repay the principal through negotiation after the deadline!
If you are not overdue, repay the loan at standard interest, and don't borrow again!
If you don't have the funds to continue repayment, and you are on the verge of overdue, then you should sort out all your loans. For example, Alipay, JD.COM, micro-loan, please return these first, give up other beheading interest or small platforms, and negotiate after payment! Solve your debt with the least money!
If it is overdue and there is no money, leave it alone and make money while collecting money and saving money.
In recent years, more and more peer-to-peer lending forms have emerged, attracting a lot of high-value loans with the attraction of fast lending and relaxing audit conditions. Many people have made one or more online loans for various reasons, some for excessive consumption, some for emergency, some for starting a business, and some even for being cheated.
However, due to the illegal lending of some online loans, high interest rates have been set. In order to repay the loan on time, most lenders have dug a hole for themselves in the form of loans and loans, getting deeper and deeper.
There should be two forms, legal and illegal:
Handle legal online loans. Usually, the interest rate, repayment method and repayment time are clearly defined, and the interest rate is relatively low. As long as we can get normal income and repay it gradually, there should be no big problem with this kind of loan. By installment of the loan, you can pay a certain fee, but you can also pay off the loan gradually.
For illegal online lending, because of its high interest rate, there are illegal acts. For this kind of loan, the first thing we should do is to check the legality of the loan. There are many illegal organizations in society. They don't have certificates issued by relevant organizations, they operate illegally, and the loans issued by these people are also illegal.
Therefore, we must pay more attention to whether these loans are formal. If they are not a formal loan platform and are illegal, we don't need to repay their loans for the time being. The first thing to do is to call the police or report to the relevant departments in time so that they can accept punishment and avoid others being deceived, and then wait for follow-up treatment.
But in the end, I want to say that all consumption needs to be done according to one's ability. We often overspend in pursuit of a higher quality of life, or on impulse, but within our working ability, our wages and part-time jobs can make up for some consumption, so don't turn overspending into overspending that we can never cover.
In addition, I also remind you that since deception is becoming more and more sophisticated, we must grasp ourselves and not let our desires blind us. If we are not greedy, we will not be so easily deceived by swindlers, thus providing a safer living environment for ourselves and our families.
There is no most economical repayment method, only "no repayment"!
If you don't pay it back, let the court execute legal procedures to repay it, and the rest of the interest will not be given to [yi tooth] [yi tooth] [yi tooth].
The most economical way to pay back the money is not to pay it back, [yi tooth] [yi tooth]
Is to repay the loan quickly and find all relatives who can help. If it is overdue, it will only increase, and finally it will have to be returned.
First of all, we must find out whether the platform for family loans is formal. For example, if the annual interest rate is stated in advance, the annual interest rate of the formal platform is generally between 24% and 36%. If you declare in advance, you must pay back the money. If the annual interest rate exceeds 36%, it is usury. For example, if you borrow 30,000 yuan, you have to pay back 23,000 yuan in a few months. In this case, you will change your mobile phone number, but the platform will call your address book, that is.
First of all: classify online loans, set regular online loans that meet the national interest rate standards as the primary repayment, and actively negotiate with online loan companies to reduce interest and repay in advance on the premise of being able to repay. Of course, this will not get a good result, and you will not agree at first. You must inform the online loan company that you can't bear the debt due to the current financial difficulties. If you really disagree, you may not be able to pay back the money in the future, so it will be very effective if you communicate more times. It is also the result of my own attempt. I didn't want to do this at first. After all, that's what they do for a living, but they will consult you as long as they delay for ten days, which can save a lot of interest. Don't worry, online loans overdue for ten days will not affect credit reporting.
Second: list illegal online loans together. Which online loans are illegal? The state expressly stipulates that the annualized interest rate cannot exceed 36%. More than 36% will not be protected by law, and then there will be online loans with beheadings. Any series of "handling fees, insurance premiums and discount coupons" deducted from the borrower's line under any pretext are beheading interest, which is also prohibited by the state. In this case, you can talk to the other party more forcefully, and don't give the overcharged interest. Those who are willing to negotiate will pay back the principal, and those who are unwilling to negotiate will be allowed. On the surface, it seems a bit unkind, but when they cheat people, they never show mercy when others are destroyed. Willing to repay the principal is the greatest kindness!
I hope I can help you!