I can tell you for sure that it is.
Under normal circumstances, bank loans will not exceed 1. 1 ten thousand years and 1000 yuan. You have to pay back120 thousand for 53 thousand, which is obviously a category. The law stipulates that more than 36% people are not protected by law. You are too tall. It is not a formal lending platform. I borrowed 50,000 yuan from CreditEase Loan Company! Pay 3.2 thousand a month, and it will take two years! I haven't paid it back after several months! Then, a few months later, I once again
This is not a crime. But there is still civil liability, and the loan company can ask you for repayment. Whether you need to negotiate with the loan company slowly or not.
I borrowed 50,000 yuan from CreditEase Loan Company! Pay 3.2 thousand a month, and it will take two years! still ...
1. Failure to repay the loan is not a crime. However, there is still civil liability, and the loan company can ask the lender to repay. Whether to repay slowly requires the lender to negotiate with the loan company. Loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to repay the loan principal and interest to the bank that issued the loan according to the loan term agreed in the loan contract, and fails to go through the relevant extension or lending procedures, resulting in the loan exceeding the agreed term.
2, the calculation method of overdue loan interest mainly includes two kinds:
First, according to the interest rate agreement within the contract period. Within the performance period agreed in the loan contract, as long as it does not violate the provisions of the People's Bank of China on the upper and lower limits of the loan interest rate of financial institutions, and private lending is not higher than 4 times the bank loan interest rate, the interest rate paid by the borrower can be used to calculate the overdue interest of overdue loans according to the interest rate agreement.
Second, calculate the interest according to the relevant regulations of the People's Bank of China. This interest-bearing method still abides by the agreement of the loan interest rate during the performance of the original loan contract, and the overdue interest in installments is not calculated when the interest rate is adjusted. For the overdue loan interest rate, the overdue interest shall be calculated by stages according to the interest rate adjusted in different periods determined by the People's Bank of China, and a penalty interest shall be charged according to a certain proportion, or the penalty interest shall be calculated by stages according to the penalty interest rate determined by the People's Bank of China.
At the same time, the quarterly interest settlement method is adopted for the loans during and after the performance of the contract (short-term loans within one year can also be settled monthly), and the quarterly interest settlement date is the 20th day at the end of the quarter. If the borrower fails to pay the interest on schedule, the interest shall be calculated according to compound interest.
Borrow 50,000 yuan from the bank, and pay back 2,500 yuan every month, and pay it back two years later. What is the average monthly interest? Is the interest in the second year high?
Generally, the monthly repayment is 50,000 divided by 24 installments equal to 2083 yuan, which is the principal to be repaid. If you say that you need to repay 2500 yuan every month, then the interest to be repaid every month is 2500 minus 2083 equal to 4 17, which is the interest to be repaid every month. If the interest rate is calculated, it is 465,438+07 divided by 50,000 is equal to 0.00834, and if it is converted into a percentage, it is 0.834.