1. overdue loans: overdue loans are loans with principal and interest overdue for more than 180 days;
2. Sluggish loans: loan interest overdue for three years is sluggish loans;
3. Non-performing loans: Non-performing loans approved by the State Council after the death or evasion of the lender.
Write-off of bad debts must be approved by the competent financial department. Write-off of bad debts is regarded as abandonment of creditor's rights, and only ordinary bad debt reserve (not exceeding 1% of total loans) is required.
A credit record with the following five conditions will be regarded as a bad credit record:
(1) In the past 24 months, a single loan was overdue for three consecutive periods 1 times or more (inclusive);
(2) The overdraft of a single quasi-credit card exceeds 180 in the last 24 months, or the status is "bad debt" or "frozen";
(3) A single credit card has been overdue for at least 1 time for three consecutive times in the last 24 months, or its status is "bad debt" or "frozen";
(4) The minimum repayment amount of the credit card has not been paid for more than 6 times (inclusive) in the last 12 months;
(5) There are records of special transactions such as "repayment by guarantor" or "debt repayment with assets" in the loan.
How long has loans overdue had a bad record?
The so-called overdue, that is, overdue, generally means that when the borrower signs a repayment contract with the bank, it has not repaid in full by the repayment date and deadline. How many days overdue will constitute a bad record, depending on the degree of risk judgment of the bank. Loan business and credit card business have different identification of bad records. Whether the borrower will form a record and upload it to the credit information system after a few days overdue depends on whether the bank has a grace period. If it is uploaded to the credit information system, whether it is deemed as malicious overdue or not, each bank also has its own identification criteria, which cannot be generalized.
1, if it is overdue, the most serious consequence will be that the credit record will be defiled, thus affecting the personal reputation. According to the current regulations, once the credit stain is generated, it will be difficult to change and will be retained for five years.
2. If you don't repay the loan for three consecutive months, you can basically judge that he is "maliciously" in arrears. Banks are generally very cautious about such customers when approving loans. For borrowers with "three consecutive problems", banks may take measures such as refusing to lend, reducing the loan ratio and raising the loan interest rate depending on the time and amount of their arrears. For borrowers with "six-year" problems, most banks will further investigate their previous specific situation in loans overdue to make a judgment.
3. The above are the consequences of loans overdue and its identification criteria. If there is a bad record, it will have an impact on future personal loans and other related businesses. Therefore, Bian Xiao reminded every borrower to keep records and repay the loan on time every month.
How many days in loans overdue?
Loans overdue is one day overdue, with a cumulative overdue of more than 90 days.
And according to different banks, the regulations are different. Even if a simple bank has been in loans overdue for more than one day, generally speaking, the level in loans overdue is within 30 days 1, within 30-60 days, within 2,60-90 days, and so on, 4,5, and generally speaking, those overdue within 30 days are mild, not serious!
According to China Bank Card Industry Self-discipline Convention, if the payment is overdue for 3 days and the repayment difference is less than 10 yuan, no penalty interest will be charged. This delay also reflects the bank's concession, because the previous repayment is one or two days late, or there is still a fraction left unpaid, which may lead to the full penalty interest, leading to overdue personal repayment. According to the usual practice, banks provide time-sensitive services to cardholders, remind them of repayment by SMS or email at least three days before the due repayment date, and provide a repayment period of at least three days. In other words, if the cardholder pays back the money within 3 days after the stipulated repayment date, the bank shall consider it as full repayment in the same period, and no penalty interest is allowed. Note: 3 days refers to natural days, not working days.
The bank also provides tolerance service for cardholders, that is, the cardholder's current repayment is insufficient, and the unpaid amount is less than or equal to a certain amount (at least equivalent to RMB 10 yuan), which shall be regarded as the cardholder's full repayment.
If the cardholder fails to repay in full after the due repayment date and the minimum repayment amount is not selected, the bank generally takes the following measures:
1. Call or send a reminder letter to those whose credit cards have expired.
2. Those who are overdue for more than 6 times and fail to repay once will be blacklisted by the personal credit information system of the People's Bank of China. The bank will freeze the credit card accounts of those who fail to repay the overdue loans, and will add overdue loans to the blacklist. The record of arrears may be fed back to the personal credit information system of the People's Bank of China, which will affect the cardholder's personal credit record and make it impossible for the cardholder to apply for a mortgage loan normally.
3. If the overdue amount of the credit card is large (the principal is more than 65,438 yuan+0,000 yuan), and the bank fails to pay it back twice after it is overdue for more than three months, it belongs to the malicious overdraft of the credit card and constitutes the crime of credit card fraud.
How long is loans overdue?
If the bank loan has a grace period, it is not overdue if it is not repaid within the grace period. The grace period is generally 1-3 days, so the first day after the grace period is overdue. If the bank loan has no grace period, it will be overdue on the first day after the repayment date.
Loans overdue usually refers to the phenomenon that after the loan expires, the borrower fails to repay the principal and interest of the loan 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.
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.
When accepting bank loan applications, branches of Hong Kong-funded banks in Chinese mainland can issue RMB loans or Hong Kong dollar loans according to the needs of loan applications;
The annual interest rate of RMB loans shall not exceed 3% of the benchmark interest rate set by the central bank. According to the current situation, it is generally floating, which can reach the annual loan interest rate of 7% to 9%. The term of RMB loans shall be determined by commercial banks according to risk control requirements.
The annual interest rate of Hong Kong dollar loans is determined by banks according to the regulations of Hong Kong. The annual interest rate of the loan is between 3% and 4%, and the loan interest rate is half lower than that of RMB loans.
The difference between Hong Kong dollar loans and RMB loans, calculated with the same loan value of RMB 6,543,800+0,000, can save 30,000-40,000 yuan of bank loan interest a year, which is a good choice for entrepreneurs.