Hello,
1. Issue relevant certificates to the bank: the certificate that the bank can renew the loan with the same amount after borrowing.
2. Find relevant investment guarantee companies or companies that can provide early repayment to discuss the early repayment of personal loans.
3. An agreement is reached that the investment company will pay off the bank loan, and the borrower will repay the loan to the investment guarantee company and pay a certain service fee.
Supplement:
If the bank loans overdue doesn't pay it back, there will be many consequences.
1, a penalty interest will be generated and 50% interest will be charged. Although the policies of each lending institution are different, on the whole, banks will be more accommodating than small loan companies. Credit loans overdue, the lender will first collect the loan, remind the borrower to repay, 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. 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 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 for overdue mortgage repayment, 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, blacklisted, children can not go to key schools, and some "Lao Lai" who deliberately delay bank debts will also 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 personal 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. In case of malicious default or intentional default, the bank will. 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. If the bank sends a lawyer's letter, it will be serious after more than 3 months! According to the loan contract and guarantee contract (mortgage or pledge contract), the lending bank will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and the loan guarantor and sealing up the pledged property.
7. After the judgment is made, it will be enforced. After the judgment is made, it will be enforced according to law (deducting deposits, auctioning collateral, etc.). ) to repay the bank's loan losses. 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. If the circumstances are serious, those who refuse to implement the effective legal documents will be punished by law. When the debtor is unable to repay, the guarantor shall be liable for repayment.
What if the loan runs out of money?
If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments. If the lender fails to perform the judgment within the performance period after winning the case, it will apply for enforcement.
When accepting enforcement, it will inquire about the property, vehicles, securities, deposits, etc. under the name of the lender according to law. Effective judgment that the lender refuses to perform because there is no executable property under its name.
There may be negative information records such as overdue repayment in personal credit report, which will be restricted to high consumption and entry and exit, and may even be punished by judicial custody.
According to Article 193rd of the Criminal Law of People's Republic of China (PRC):
The crime of loan refers to the act of making up false reasons such as introducing funds and projects, using false economic contracts, false certificates, false certificates of property rights as guarantees, repeatedly guaranteeing beyond the value of collateral, or lending a large amount of money to banks or other financial institutions in other ways. Loan crime is a kind of financial crime.
Extended data:
The boundary of crime
1, "for the purpose of illegal possession" is an important criterion to distinguish crime from non-crime. When determining the crime of loan, we can't simply think that as long as the loan can't be repaid at maturity, it will be punished as the crime of loan.
In real life, the loan can't be repaid on time for complicated reasons. For example, some profit plans can't be realized and loans can't be repaid on time, all because of poor management or changes in market conditions.
In this case, although the perpetrator was subjectively at fault, he did not have the purpose of illegally possessing the loan, so he could not be considered as this crime. Some people overestimate their repayment ability.
As a result, the loan cannot be repaid on time. Although the actor is subjectively negligent, he has no purpose of illegal possession and should not be punished for this crime. Only those acts of obtaining loans by deception for the purpose of illegal possession constitute the crime of loan.
2. Distinguish between loans and no loans. Some borrowers are in arrears for a long time after obtaining loans, and even exaggerate their ability to perform their duties when applying for loans, making up lies and not paying them back when they are due. This kind of lending is easily confused with loans. We should grasp the following four points and distinguish the boundaries between them:
(1) If there is a result of not repaying the loan when it is due, it depends on whether the fact that the actor's performance ability is insufficient at the time of applying for the loan already exists and whether the actor knows this. If you can't fulfill the contract, you don't fully understand it. Even if it is not repaid at maturity, it should not be regarded as a loan crime, but should be treated as a loan.
(2) It depends on whether the actor actively uses the loan for the purpose agreed in the loan contract after obtaining the loan. Although the actor can't repay after maturity, if the loan is really used for the designated project, it generally means that the actor has no intention to lend subjectively and should not be punished as this crime.
(3) It depends on whether the actor actively repays the loan after it expires. If the behavior only verbally acknowledges the repayment, in fact, it has not actively raised funds to prepare for the repayment, which cannot prove that the actor did not intentionally, did not breach the contract, and did not necessarily intentionally.
(4) Combining the above factors, we can comprehensively examine the subjective mentality of the actor through objective behavior in many aspects, so as to find out whether there is the purpose of illegal possession of loans, which is of great significance for correctly distinguishing the boundaries between loans and lending.