The influence of loans overdue depends on the actual situation of the borrower. If the borrower loans overdue has a large amount of money and is overdue for a long time, and refuses to pay attention to the collection by the lending institution, the impact will be great. If the lending institution accesses the central bank's credit information system, it will upload the borrower's overdue records to the credit information system, and may even sue the borrower; On the other hand, if the borrower has reasonable overdue reasons, explain the reasons to the lending institution and pay off the arrears, the lending institution will generally be more tolerant and the impact will not be great.
Extended data:
Expiration risk:
1, resulting in penalty interest. Although the policy of every banking institution is the same, as long as it is overdue, there will be a penalty interest, that is, a certain percentage of interest will be added on the basis of the original interest.
2. Being classified as dishonesty will affect future loans and property purchases. After the deadline, the credit report will inevitably leave a bad record. If the circumstances are serious, it will not only be included in the list of untrustworthy executors, but also affect future real estate loans.
3. facing litigation problems. Generally speaking, after a certain period of time is overdue, the bank will issue a collection notice. If the collection fails, the bank will sue the borrower and safeguard the legitimate rights and interests through legal means.
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