1. Generate penalty interest.
Although the policy of each lending institution is not complete, the lending institution will first call to remind the borrower to repay as a daily penalty interest.
Different lending institutions have different penalty interests. For example, Citibank will charge 50% interest, and some small lending companies may charge more liquidated damages. This means that you borrowed an estimated 65,438+100000 yuan, but if you don't pay it back for more than three months, you may end up paying interest and late fees of 65,438+100000 yuan.
2. Have a bad credit record, which will affect future loans and credit card processing.
Every day after you are overdue, your name will appear in the internal system of the bank at the same time, and then the president and risk control will see it. After the deadline, the credit report may inevitably be retained. Borrowing from other banks may lead to application.
If the overdue situation is serious, the mortgage and car loan will be affected in the future. Penalty interest is only the loss of money and property, and the impact is irreparable by money.
3. Unable to enjoy the loan
When many people apply for a mortgage again, they leave too many overdue repayment records on the old mortgage. In addition to the penalty interest for overdue mortgage repayment, they may not be able to get a bank mortgage smoothly, and they may not be able to apply for a mortgage again.
4. Close the blacklist, children can't go to key schools.
For some "Lao Lai" who deliberately delay bank debts, they will be blacklisted. So that you can't fly, high-speed rail, accommodation, etc. ; More seriously, children will not be able to go to key schools; There will be more punishments in the future, so it can be said that life is hard.
5. Influence
For students who have been studying in loans overdue for more than 90 consecutive days and the circumstances are serious, the bank or school will publish the ID number and overdue information in the media, or notify the work unit. If it is overdue for 90 days in a row and can be remedied in time and repaid on time, the credit level will not be greatly affected.
6. The bank sends a lawyer's letter to
If you don't pay the bill for more than 3 months, it will be very serious! According to the loan contract and guarantee contract (mortgage or pledge contract), due loans are issued, including freezing all bank accounts of lenders and loan guarantors.
7. After the judgment comes down, it will be enforced.
After the judgment, it will be enforced according to law (deducting the loan loss of the deposit bank). Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, and all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property.
8. Those with serious circumstances will be punished by law.
If you have the ability to refuse to implement the effective legal documents, you will be punished by law. When the debtor is unable to repay, the guarantor shall be liable for repayment.
Second, what loans are there under the loan?
I don't know which loan platforms are available under the auction loan, but I know that Sina borrows well.
It depends. If it goes well, Sina will arrive in seconds.
The approval of bank loans is relatively slow, which varies from bank to bank, generally within one month. Of course, otherwise it will be much faster if the assets are excellent. Banks generally have 25 working days 15. It does not rule out that individual banks are slow to approve, and it will be faster in the first half of the year. Generally, it is slower by the end of the year, because banks have to collect money, so they don't lend much in the last month. I hope I can help you.
Third, who knows the name of the auction loan? Please give me your advice.
Caocaodai