According to the provisions of Article 108 of the General Principles of Civil Law of People's Republic of China (PRC) and General Principles of Civil Law of People's Republic of China (PRC), the debts shall be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court.

According to the provisions of Article 84 of General Principles of Civil Law of People's Republic of China (PRC) and General Principles of Civil Law of People's Republic of China (PRC), debt is a specific relationship of rights and obligations between parties according to contract or law. The obligee is the obligee, and the obligor is the debtor.

The creditor has the right to require the debtor to perform its obligations in accordance with the contract or according to law.

Sunshine Easy Loan is an unsecured credit loan product jointly launched by China Everbright Bank and China Ping An Property Insurance Co., Ltd. in August 2009.

Extended data

Matters needing attention in loan are as follows:

1. The information provided to the bank should be true, my address and contact information should be accurate, and the bank should be informed of any changes in time.

2. The loan purpose should be legal and compliant, and the transaction background should be true.

3. According to your repayment ability and future income expectations, choose the repayment method that suits you.

4. Apply for a loan amount according to your own ability, and usually the monthly repayment amount does not exceed 50% of the total family income.

5. Read the terms of the contract carefully and know your rights and obligations.

6. Repay on time to avoid bad credit records.

7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan.

8. prepayment must be handled by communicating with the bank one month in advance.

9. When a foreigner applies for a commercial loan, the general bank requires the borrower to have a stable income in the local area and to open a household registration certificate at the place where the household registration is located, while the housing guarantee company requires the foreigner to apply for a temporary residence permit in addition to his income in the local area.

Baidu encyclopedia-installment loan repayment

Baidu Encyclopedia-General Principles of Civil Law in China

Baidu encyclopedia-loan

Baidu encyclopedia-sunshine yidai