First, the application conditions of science and technology loans
The application conditions for science and technology loans are relatively strict. The borrower must be an approved registered legal person and must implement an independent economic accounting system. The management of the enterprise is better or better, because the bank is afraid that it will not give you a loan after the loan is completed, then he will suffer. Enterprises should also have the infrastructure and technical level to implement all projects, and opening an account in a bank that applies for science and technology loans is a condition that most lending banks must have. Therefore, when making a loan, you should make a loan according to the actual ability of your own enterprise, and don't blindly lend, so as not to repay it, and the consequences will be more serious.
Second, the consequences of loans overdue.
Many people will choose to borrow on the loan platform because of capital turnover. If it is overdue, the consequences will be more serious, because most loan platforms are now connected to the central bank's credit information system. Once it is overdue, it will affect its own credit information. If your credit information is tainted, it is convenient to go out, because it is a credit society now and it is difficult to borrow it in the future. Moreover, most lending institutions will have corresponding penalty interest, which will increase with the longer you are overdue, so you'd better complete the repayment within the specified time. You should also choose a good loan platform, such as a bank, because the interest rate of the bank is relatively low. If loans overdue is a small platform, there may be violent collection, which will affect your property safety and personal life.
To sum up, if you want to borrow money, it is best to borrow money on a regular platform, and borrow as much as you can, and you can't lend blindly.