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What should I do if Hexin Pratt & Whitney Loan can't afford it?
What if the loan is not paid?

1. As long as the bank owes money, it is possible for the bank to do so, which is decided by the bank itself; 2. If the amount owed reaches 1 10,000 yuan or more, and it has not been returned for more than 3 months after being collected twice by the issuing bank, it shall be deemed as "malicious overdraft" in criminal law and suspected of credit card crime; If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law. Legal basis: Article 196 of the Criminal Law, if one of the following circumstances constitutes a credit card crime, if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property: (1) using a forged credit card; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it after two reminders from the issuing bank for more than three months, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196 of the Criminal Law: (1) knowing that there is no repayment ability and the overdraft amount is too large to be returned; (two) squandering overdraft funds, unable to return; (3) Escaping after overdraft, changing contact information and avoiding bank collection; (4) evading or transferring funds, concealing property or evading repayment; (five) the use of overdraft funds for illegal and criminal activities; (six) other acts of illegal possession of funds and refusal to return them. Malicious overdraft, the amount of which is more than 6,543.8+0,000 yuan but less than 6,543.8+0,000 yuan, shall be deemed as "a large amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 654.38+10,000 yuan and less than 1 10,000 yuan, it shall be deemed as "huge amount" as stipulated in Article 196 of the Criminal Law; If the amount is more than 6,543.8+0,000 yuan, it shall be deemed as "extremely huge amount" as stipulated in Article 196 of the Criminal Law. The amount of malicious overdraft refers to the amount that the cardholder refuses to return or has not returned under the conditions stipulated in the first paragraph. Does not include compound interest, late fees, handling fees and other fees charged by the issuing bank. Malicious overdraft should be investigated for criminal responsibility. However, if all the overdraft interest has been repaid after the public security organ files a case and before the people's judgment is published, it may be given a lighter punishment, and if the circumstances are minor, it may be exempted from punishment. If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law.

What should I do if the bank loan is not paid?

The solution to the non-repayment of bank loans is as follows:

1. The execution can be temporarily suspended and resumed at any time after execution;

2. Compulsory measures taken against the defendant according to the legal judgment. If the respondent fails to fulfill its obligations according to the enforcement notice, the people's court has the right to seal up, detain, auction or sell off the property that the respondent should fulfill its obligations;

3. Freeze the debtor's property and pay off the creditor's debts through auction and sale;

(1) In order to prevent the debtor from transferring funds to avoid debts, the parties may also apply for cancellation right to protect their creditor's rights according to law;

(2) The deposits and income withheld or withdrawn by the person subjected to execution, and the proceeds from auction or sale of the property of the person subjected to execution shall be delivered to the application executor in time, and the execution procedure shall be terminated.

Legal basis: Article 53 of the Criminal Law of People's Republic of China (PRC).

Payment of fines The fines shall be paid in one lump sum or in installments within the time limit specified in the judgment. If it is not paid at the expiration of the period, it will be compulsory. If the fine cannot be paid in full, the people's court shall recover it at any time when it finds that the person subjected to execution has executable property.

If it is really difficult to pay due to irresistible disasters and other reasons, the people's court may postpone, reduce or exempt the payment as appropriate.

What if the bank goes to loans overdue?

For most friends who buy a house with a loan, they are worried about repaying their mortgage every month. I'm worried. What should I do if I don't repay my mortgage in time one day, or I have no money to repay my mortgage? What are the consequences? I sorted out the relevant consequences of mortgage default for everyone, hoping to help everyone! What if the loan is not paid back to the bank? First, take the initiative to negotiate with the bank. We all ... want to know more about what to do if the loan is not repaid. Let's take a look with China Travel. Bian Xiao. For most friends who buy a house with a loan, China Travel. I worry about paying my mortgage every month. I'm worried. What should I do if I don't repay my mortgage in time one day, or I have no money to repay my mortgage? What are the consequences? I sorted out the relevant consequences of mortgage default for everyone, hoping to help everyone! What will happen if the loan is not repaid to the bank? First, take the initiative to negotiate with the bank. As we all know, escape is not the solution to the problem. Many loan applicants are at a loss when the loan is not repaid. In fact, in this case, you should immediately communicate with the lending institution to solve it. Whether it is to extend the loan term or reduce the repayment amount of each installment, it is a good solution. Second, apply for a temporary loan from the company. At present, loan applicants will apply for loans from banks first, and the company has a small customer base and low quality. In order to expand their business, many companies have launched temporary loan products. For most temporary loan products, the loan period will not be too long, and it will definitely not exceed one year. For the purpose of temporary loan repayment, the application will generally not exceed three months. But it can also solve the urgent need for enterprises that urgently need to repay bank loans. What's the impact on house slaves? Consequence 1: There will be a penalty interest. If it is the first time overdue, the bank will inform you to remind you to repay on time. If you fail to repay the loan three times in a row, the bank will start to urge you to repay the loan on time, and even send a reminder to Mo Qing. At the same time, a penalty interest of 30%-50% will be added to the loan interest rate stipulated in your IOU contract until the principal and interest are paid off. Consequence 2: Affect normal life consumption Once the mortgage is cut off by the bank, the borrower is likely to be blacklisted, which will seriously affect your future life and travel, and even affect your child's enrollment. Consequence 3: Bad personal record. Overdue mortgage repayment will leave a bad record on your credit report and will be kept for five years. In these five years, it is basically impossible for borrowers to apply for loans from banks. Consequence 4: The house will be auctioned by the bank at a low price. If you really have no money to repay the loan, the bank has the right to auction your house, and the auction price is much lower than the original purchase price. If someone buys your house, the bank will deduct the principal and interest of the mortgage, after deducting the prepaid lawyer's fees, legal fees, security fees, execution fees, etc. Only very little money will eventually reach you. Consequence 5: The assets are insolvent, and the bank has the right to recover the debt from you. If the house cannot repay the principal and interest of the bank loan after the auction, the bank has the right to recover the debt from you, and you can't buy any real estate until the principal and interest owed to the bank are paid off. Method 1: If you just have no money to repay the loan temporarily, you can consider borrowing money from friends and relatives to repay the loan. Method 2: If there is no financial source to repay the loan for a period of time due to job changes, you can actively cooperate with the bank to make a dunning, and explain your situation to the bank, and apply for deferred repayment to reduce the monthly repayment amount. Method 3: Apply to the bank to suspend the repayment of principal and only pay interest, which is acceptable to ordinary banks. Method 4: If there is really no money to repay the mortgage, the house can be transferred and sold with the consent of the bank, and the proceeds will be returned to the loan, and the new buyers will fulfill their repayment obligations.