What impact will online loan100000 have? 1. There will be a penalty interest. Although the policy of each lending institution is different, if the credit is loans overdue, the lending institution will call the borrower to remind him to repay the loan first, and the interest rate will rise as a daily penalty. Penalty interest varies from lending institution to lending institution. For example, Citibank will charge 50% interest on the basis of the original interest rate, and some small loan 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. Bad credit records will affect future loans and credit card processing. Whenever you are overdue, your name will appear in the internal system of the bank at the same time the next day, and then the president and risk control will see it. After the deadline, the credit report will inevitably leave a bad record. Once you leave, it may last for three to seven years. If you want to borrow from other banks in the future, you may not be able to apply easily because of bad credit. 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, while bad credit records are the loss of intangible assets, and the impact is irreparable by money. 3. You can't enjoy preferential loans or even apply for loans. When many people apply for a mortgage again, they find that they have left too many overdue repayment records on the old mortgage because of carelessness. In addition to the penalty interest on overdue loans, they may not be able to obtain the preferential interest rate of bank mortgage smoothly. What's more, it is impossible to apply for a mortgage. 4. If the blacklist is closed, children will not be able to attend key schools, and some "Lao Lai" who deliberately delay bank debts 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. Affect your career. 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. Banks will sue those who owe money maliciously or intentionally. 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. Online lending is no stranger to everyone in today's society. Online lending has brought convenience to everyone's life. Some friends only use it and don't return it, which will cause great trouble. If the online loan is not returned, personal reputation will be affected and blacklisted by the Internet. You can't take the high-speed train, and the children will be implicated in the future. Please repay the loan in time.