First, you must pay back the money you owe the bank. If you owe a serious loan, if you pay other banks, the overdue loan will not approve your new application. The threshold for approval of rural credit cooperatives is relatively low, and personal credit information is very strict! What you can do now is to negotiate with the bank in stages or how to solve it. First of all, you should have a guarantor for your loan. Then the guarantor will bear joint and several liability! If both parties confirm that it has not been returned, the bank will enter the prosecution procedure! After the judicial decision.

In most places, around 80 years, Conghua County owed a lot of loans to rural credit cooperatives. Including brigades, production teams and individuals, have not paid these debts up to now. For example, our brigade set up an agricultural machinery factory and bought lathes, drilling machines and so on at the credit union. As early as more than 20 years ago, some people said that there was no need to repay. However, personal loans will be recovered once a year, and now they have not been recovered for more than 20 years. Because, whether they are able to repay or not, they will not repay these arrears. These are all true. 1993, because I was short of money to build a two-and-a-half-story building, I went to the credit union for a loan of 5,000 yuan, but I haven't paid back these debts until now, and the credit union has never recovered them. Including my two younger brothers, each borrowed 1000 yuan, but failed to repay these loans, because there were many people, and borrowing money before without writing a contract was just an IOU. So I don't know until now. I will pay it back if necessary, but since farmland subsidies or other things are saved by credit cooperatives, they can be deducted. Why not? I don't know that either. I think the old credit unions have changed. At that time, bookkeeping was done by hand, and there was no computer. I don't know why they haven't let me check out for so many years. I guess the accounts were gone at that time, but they were all messed up. If this is the case, they still need to bear legal responsibility, so they stay here.

Our credit loan is still a gift. If we don't give gifts, we can't get a loan at all. At that time, I borrowed 15000 from the credit union. When it was due, I went to the bank to refinance the loan, because I didn't give gifts and I couldn't transfer it, because I was very difficult at that time. Then the bank blacklisted me. I haven't blacklisted this 15000 yuan, nor has the court done so.

The first thing we face is the legal proceedings of credit cooperatives and farmers to recover loans. If the litigation documents enter the stage of court enforcement after they take effect, and farmers still don't pay back the money, should they be included? Lao Laibang? . It's also in his file. Farmers are included because they can't repay their loans in time? Blacklist? System, this system is connected by big data of the People's Bank of China. In the future, whether he borrows from other banks or borrows money to buy a house will be affected.