Yes, you still need an installment loan.
2. The loan of 20,000 yuan from the rural credit cooperatives is ten years overdue. How much should I pay back now?
I borrowed 20,000 yuan from the rural credit cooperative, overdue 10 years. If I need to return it now, I must negotiate with the rural credit cooperatives about the overdue payment of the principal. This specific amount should be calculated according to the interest rate, overdue interest and late payment fee of your original loan, and the specific answer should be given to the bank.
I hope you can give me a favorable comment.
Three, rural credit cooperatives can negotiate for a few years?
It is understood that credit cooperatives can negotiate to repay only the principal, but there are many people who negotiate, unless the applicant really has no extra money to repay the interest.
The loan principal and interest are stipulated in the contract, and the user must repay the loan according to the contract. Once only the loan principal is returned, the lending institution will directly regard the user as overdue. If the negotiation is successful, the loan of the rural credit cooperatives will be overdue within two years, the fastest is half a year or one year.
Four, rural credit cooperatives in loans overdue how to negotiate?
After the credit union is in loans overdue, users should take the initiative to call the customer service hotline of the credit union and explain to the credit union the reasons for their overdue. After that, the user applies to the credit union for negotiation repayment, and the credit union will review the user after receiving the application. After approval, the credit association will agree on the repayment time and amount. If negotiation fails, users need to pay off overdue debts as soon as possible. For users, credit cooperation with loans overdue will directly lead to poor personal credit reporting, so users need to repay as soon as possible regardless of whether the negotiation is successful or not. If it is overdue within 3 days, you only need to contact the bank for repayment in time. This situation has no effect. If it's because you can't repay the whole amount, but you can repay part of it, then you can repay it in installments or the minimum repayment, which can still avoid subsequent troubles. However, if it is overdue because of the inability to repay, the consequences of waiting for the card owner are still quite serious. When the credit card is overdue, the bank's response measures are gradually upgraded. First of all, the bank will give a fault-tolerant period, and send a text message in advance or overdue to remind the card owner that there are still debts to be repaid. If the minimum repayment amount is paid within 3 days after the final repayment date, it is not overdue. If it is not returned within 3 days, you will receive a reminder message and a reminder phone call. If it is still not returned, the bank will collect overdue information and submit it to the central bank's credit information center, and the overdue records will be entered into the credit information report. Before the bank submits it to the central bank, the cardholder pays off the arrears and explains the situation to the bank. Banks will stop submitting credit reports to the central bank, and credit reports will not be affected. The time limit for submitting overdue information varies from bank to bank. Please consult the issuing bank for the specific time. Credit card overdue is most obvious in personal credit report. Once the overdue bad records are displayed, as long as it involves the business of credit investigation, it cannot be handled. If the credit card is overdue three times in a row or six times in total, it is overdue and the circumstances are serious. If it is overdue for more than 90 days, it is also serious. If you apply for credit card, mortgage loan, car loan, etc. You will basically be rejected. However, if the overdue time is not long and a good repayment record is maintained after handling the arrears, the credit information can also be improved, which will not have much impact on the application for loans and credit cards. The most serious thing is the long-term refusal to repay the loan and refuse to negotiate. Then you will be blacklisted first, and those who fail to perform after the expiration will be restricted from traveling and unable to take public transportation. Severe cases will be enforced or detained. In short, the longer the overdue period, the greater the impact. Personal credit report will have more and more influence on life, so it is suggested to take remedial measures as soon as possible to reduce the influence on credit report.