Applying for online lending will affect your personal credit information, which is mainly reflected in the number of inquiries about your credit information by online lending companies and the number of applications you have made. Next, I will explain it to you from the following points:

First, applying for such loans will affect your loans at the bank.

Second, the interest rate for applying for such loans is higher.

Third, there are limited repayment options for applying for such loans.

fourth, the amount of such loans is low.

1. If the online loan is not repaid on time, the overdue records will be submitted to the credit information system to leave bad records. The more serious the overdue circumstances, the worse the impact on credit information. In particular, if it is overdue for three consecutive years within two years, it belongs to a proper black household. Even if the arrears are paid off later, it will take five years to recover. If you apply for credit business again during this period, whether it is a credit card or a loan, you will be directly rejected.

2. Online loans have no self-control. When people see what they are applying for, they apply for more than a dozen loans in just a few months. Even if there are no successful loans, too many loan approval records on credit information will lead to poor credit information, which will also have a bad impact on credit information. Such people will be rejected if they apply for loans or apply for credit cards again. It is best to spend 3-6 months to raise credit information.

The consequences of non-repayment of small loans are as follows:

1. Bad credit records will affect future loans and credit cards, and future mortgage and car loans will be affected.

2. You can't enjoy the preferential loan, and you can't even apply for a loan.

3. If the blacklist is narrowed, children will not be able to attend key schools, and there will be more penalties in the future. It can be said that life will be difficult.

4. If the personal career is affected and the overdue period exceeds 9 days in a row and the circumstances are serious, the bank or school will publish the ID number and overdue information in the media, or inform the work unit.

5. If the circumstances are serious, legal sanctions will be imposed.

Legal basis

According to Article 313 of the Criminal Law, if a people's court refuses to execute a judgment or ruling that is capable of execution, if the circumstances are serious, it shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.

applying for online loans will not affect personal credit information. However, if the number of online loans is too frequent and multiple platforms apply at the same time, it may lead to more credit information, which will have an impact on everyone's future loans. The specific situation can only be determined by integrating everyone's online loan repayment and borrowing times.

personal basic information, including name, certificate type and number, mailing address, contact information, marital status, residence information, occupation information, etc. If you owe tens of thousands of yuan in online loans, what will happen if you don't go to jail?

1. The consequences of overdue online loans are as follows:

1. If you don't repay them at maturity, you will first have a penalty interest, which is generally 1-3 times of the bank's loan interest rate for the same period, subject to the loan contract.

2. If the online loan company accesses the central bank's credit information system, your overdue situation will be recorded in your bank credit information report, resulting in a bad credit record, which makes it difficult to refinance.

3. If the mortgage loan is offered in a small loan company, it is possible for the small loan company to auction the collateral as debt repayment.

second, online loans will not be prosecuted, but generally they will not go to jail.

Online lending belongs to private lending, and the accident is a civil dispute, which does not turn into a criminal case, so it is generally not going to jail. Some large sums of money and intentionally overdue for a long time may be prosecuted. If the lender wins the case, the court will force you to mortgage the repayment through the RV, deposit, etc.

if the lender doesn't have these properties, the court will restrict the borrower's high consumption, living needs, entry and exit, etc. If the borrower insists on being a deadbeat and doesn't pay back the money when he runs away, the court will pursue his criminal responsibility, which means he will go to jail, but most people can't go this far.

Extended information

Article 27 of the Contract Law stipulates that "if the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or relevant state regulations".

default interest will be charged if overdue. from the date of overdue, default interest of 15% of the agreed interest rate will be charged every day until overdue payment is made. Your overdue record will be reported to the People's Bank of China for credit information, which will affect your credit record. Please cherish your credit and repay it on time.

if the loan is overdue for a certain period, the relevant records of overdue users will be transmitted to the personal credit information system of the central bank. In addition to uploading overdue information to the central bank's personal credit information system, Lending will continue to cooperate with third-party credit information agencies such as Qianhai Credit Information, Shanghai Credit Information and Pengyuan Credit Information.

for loans that are overdue or not used for the purposes agreed in the contract, interest will be charged at the default interest rate from the date when the loans are overdue or not used for the purposes agreed in the contract until the principal and interest are paid off. For the interest that cannot be paid on time, compound interest shall be calculated at the penalty interest rate.

Baidu Encyclopedia-online loan

Baidu Encyclopedia-overdue interest

Baidu Encyclopedia-People's Republic of China * * * and China's contract law have owed loans for 53, years and have not paid them back

First, they have owed loans for 53, years and have not paid them back

1. They will not be sentenced for not paying loans for 53, years, because they are not suspected of criminal offences.

2. Legal basis: Article 123 of the Civil Procedure Law of the People's Republic of China

A prosecution shall submit a complaint to the people's court, and a copy shall be submitted according to the number of defendants.

if it is really difficult to write a complaint, it can be brought orally, which will be recorded by the people's court and the other party will be informed.

Second, what materials are needed for the prosecution of debt disputes

1. A civil complaint generally includes the identity information of the parties, the claims, the facts and reasons, and the people's court against which the complaint is filed;

2. Identity information of the parties, including the identity information of the plaintiff, the defendant and the third party;

3. IOUs and transfer vouchers are important evidence of private lending cases;

4. Authorized materials.