How long does it take for an overdue online loan to be serious?

An overdue online loan generally takes 1-90 days to be considered serious. If an online loan is overdue for 1 to 90 days, it is a risk asset of the bank's concern category; if it is overdue for 91-120 days, it is a substandard asset; if it is overdue for 121-180 days, it is a doubtful risk asset. Online loans can be overdue for up to three months

three months. If an online loan is not repaid for three months, the loan platform will collect money from the borrower after the overdue period. Because the overdue time is relatively long, in addition to text message collection, there may also be phone calls, door-to-door collections, contact list explosions, and even lawsuits in court. .

The overdue interest charges will also increase and will not stop charging until the day of repayment. If the loan platform is also connected to the central bank's credit report, overdue fees will be left on the credit report. record, and it has been overdue three times in a row, so it is considered a credit fraud.

Online loan expectations

1. Since the current online loan industry does not yet have a complete credit reporting system, whether it will enter the online loan blacklist after overdue mainly depends on the borrowing platform and Determined by the overdue nature of the debtor. After all, no one is perfect, and everyone’s time and energy are limited. If you misremember the repayment time due to negligence, you still have the opportunity to make amends. If you are overdue occasionally and the overdue period does not exceed 1-2 weeks, you will not be included in the online loan blacklist. On the contrary, if a user is frequently overdue and the overdue time is more than half a month, the lending institution will most likely upload your overdue behavior to the online loan big data, and then drag you into the online loan scam. List.

2. Once you become an Internet hacker, it will be very difficult to apply for a loan online. I would like to ask, if you are an online loan institution, will you lend money to users who often fail to repay when due? Friends who are not sure whether they are on the online loan blacklist can try to get a professional online loan big data report on WeChat-"Cloud Data", which can help everyone find out whether they have hit the online loan blacklist or are suspected of fraud. Lists and credit overdue lists. At the same time, in the overdue details section, you can also see your overdue time, amount and duration, take the initiative to contact the debtor institution, and both parties will formulate a reasonable repayment plan, and then ask the platform to issue a "Non-Malicious Overdue Proof", to minimize the negative impact of overdue repayment

Consequences of overdue online loans

1. Overdue fees:

After overdue, the system will Penalty interest is charged, and the interest rate of penalty interest is generally higher than the agreed interest rate of the loan. If the customer continues to default on repayment, the longer the overdue period is, the more repayment will be required, and the customer's repayment pressure will also increase.

2. Impact on personal credit:

The platform will report overdue situations to big data, thus causing damage to personal credit; and if the lending institutions that cooperate with online loans have access If the central bank's credit reporting system is used, the platform will most likely report the overdue situation to the central bank's credit reporting, leaving a bad record in the customer's personal credit report, which will affect the customer's personal credit reporting. How long can an online loan be overdue

General platforms have a guarantee period for overdue projects, ranging from a few days to dozens of days. During the guarantee period, if the borrower repays the loan, some overdue interest will be paid. . If the borrower fails to repay within the guarantee period, the platform will acquire the person's creditor's rights and pay the borrower's principal and interest. Of course, the premise is to see how the borrower's target and the platform have agreed, which will be explained in the contract. General platform overdue rules: some platforms are responsible for collection, and there will be penalty interest. If the loan is overdue beyond a certain time limit, the platform will advance the principal. Of course, there are also platforms that do not advance payment. It depends on the commitment of the loan candidate platform.