Cause of the problem:
For those users whose online loans are overdue, the lives of many users will be seriously affected, and online loan products will also initiate collection for users, which will seriously affect their normal lives. At the same time, online lending products do not always call borrowers. If the borrower's overdue time has been very long, the online loan product will directly file a lawsuit with the court and demand the arrears in this way.
to some extent, malicious overdue behavior will not only affect your personal credit information, but may even lead to your imprisonment. Although the annualized interest of the borrower is very high, users can choose not to pay the part after 24%, and the part within 24% still needs to be repaid normally.
How to remedy after overdue:
The names and charging standards of each platform are different before, but no matter whether it is called overdue penalty interest, overdue management fee or other various names, as long as the repayment is overdue, a part of the fee must be paid. Compared with the previous interest, its penalty interest will rise slightly, generally 1.5 times the previous interest, or 3-4 times the central bank interest rate.
Moreover, many online lending platforms have received credit information from the central bank. Even small loan products that can't find credit information will be recorded in online lending big data. Everyone can search various data platforms through WeChat to check their online lending credit, such as shocking data. In the future, it will be much more difficult for everyone to apply for mortgage, car loan or other loans again.
The best way to deal with overdue online loans is as follows:
1. Make a form after finding out your overdue records, indicating the loan time, loan amount, repayment amount and overdue amount.
2. Then call the customer service phone of the online lending platform one by one, ask for voluntary repayment, explain personal status, and apply for reduction of penalty interest. Can you only repay the principal and interest, and exempt the liquidated damages and penalty interest?
3. Work hard, save the survival cost, repay the loan on schedule every month, and repay all the loans one platform at a time.