1. What are the conditions for bank loan interest exemption
I am very happy to help you answer this question. In fact, usually if the enterprise is indeed unable to repay its bank debt due to bankruptcy or other reasons, the loan principal and interest can be exempted and exempted with approval from superiors.
In the "Interim Regulations of the People's Republic of China and the Bank of China" stipulated in our country, it is mentioned that "without the approval of the State Council, no unit has the right to exempt loans." The loan referred to here includes not only the loan principal, but also the loan interest.
In fact, what you need to understand is that unless otherwise provided by laws and policies, relatively speaking, no unit (including financial institutions) is allowed to exempt loan principal, waive the collection of loans and interest, or Loan interest exemption. Furthermore, according to Article 42 of the "Interim Regulations on the Administration of the Bank of the People's Republic of China", "Each specialized bank head office has certain interest rate floating rights." Issues that fall within the interest rate floating rights of the head offices of specialized banks can be resolved by themselves. Decide. That's roughly it, I hope it can help you!
2. What does it mean when the Yirendai app shows that the loan is being exempted or exempted?
It means that the loan is being processed for exemption, which can be understood as less repayment. . Yiren Jinke, affiliated to CreditEase and a subsidiary of CreditEase Holdings, is headquartered in Beijing, China. It successfully listed on the New York Stock Exchange on December 18, 2015. Yiren Jinke's business consists of two major sectors: credit technology and wealth management technology. It uses mobile Internet, big data, artificial intelligence, etc. to provide inclusive financial services to small and micro business owners, farmers, working-class people, etc., and to provide mass affluent people with inclusive financial services. Asset allocation is the core wealth management service. Yiren Jinke's subsidiaries serve as the executive director unit of the China Internet Finance Association and the president unit of the Beijing Internet Finance Industry Association.
3. What does the interest-free loan for first-hand cars mean?
Jieshi and Tanggu are the main sources of domestic large-displacement motorcycles. There are many good cars, but the kind of cars made in 1996 I'm sure it's not a parallel import from abroad, but an old domestic car that was purchased, refurbished and sold as a parallel import. I suggest you not to buy it. It is best to buy a car after 2003, excluding classic models such as CB.
4. What does loan forgiveness mean?
Loan repayment exemption is often because you have no ability to repay and have defaulted on the loan for a long time, so the loan platform will give you repayment exemption. Specifically, you can negotiate repayment with the loan platform.
Negotiate repayment.
Most friends don’t want to give up on themselves after their loans are overdue. They usually choose to negotiate installments to solve the problem, thereby avoiding collections and avoiding problems.
The role of negotiated repayment has a certain scope of application. These people want to repay the money, but are unable to repay it in full!