Question 2: What should I do if the home improvement loan is not repaid? Your question can be big or small; If it is returned in time (even if it is postponed), there is no big problem (even if the procedure is fake);
From the perspective of criminal law, there is the crime of loan fraud in criminal law, and the key to this crime lies in whether it has the purpose of illegal possession, and whether it has the intention of illegal possession is reflected in two aspects: first, the subjective intention when lending; Second, whether the subjective intention has changed after borrowing;
If you have the intention of illegal possession when you make a loan, or you don't, or you use the loan for illegal or lucky acts such as gambling, profligacy, buying lottery tickets, then you are also considered to have the purpose of illegal possession. Basically, we can't escape the crime of loan fraud, and the amount of 200 thousand is already huge;
If there is evidence to prove that there is no purpose of illegal possession, and the loan is obtained by deception because the loan conditions are not available, and the loan can be fulfilled at the time of the crime, or the loan cannot be planned for reasons other than mismanagement, fraud, market risk, etc. at the time of the crime. Generally, it is not punished as loan fraud; As for whether the other party is at fault, that is not something you should consider;
But in any case, the loan must be repaid, and there may be bad credit records; The problems in civil law can't be explained clearly in one or two sentences, so it is recommended to consult a lawyer;
I hope the answer will help you.
Question 3: What will happen to personal decoration loans? What will happen to the loan money?
1. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay by installments.
2. If the lending institution fails to perform the judgment of the court within the performance period after suing the court and winning the case, it will apply to the court for enforcement.
3. When accepting enforcement, the court will inquire about the real estate, vehicles, securities and deposits in the name of the lender according to law.
4. If the lender refuses to perform the effective judgment of the court because there is no enforceable property under his name, negative information such as overdue repayment will be recorded in the personal credit report, which will restrict high consumption and entry and exit, and may even lead to judicial custody.
Question 4: The renovation loan of China Construction Bank can't be repaid in full. What will happen if it is repaid in half every month? The credit report will produce a bad loans overdue record, which will have a negative impact on your future life and so on.
The loan owed will be fined 50% according to the contract.
Will receive different degrees of dunning calls, etc. If the overdue time is too long, you may stand in the dock at any time.
To sum up, the loss outweighs the gain. Or try to repay the loan principal and interest in full according to the contract, or take the initiative to negotiate with the bank.
Question 5: What should I do if I haven't finished decorating loans overdue for three months? What did you mortgage? A breach of contract means paying off the rest of the money in one lump sum. Debt mountain-debtor's
Question 6: What will happen if you owe a bank loan of10.5 million for renovation? As long as the loan procedures are legal and compliant, you will lose money. The court will mediate first. If mediation fails, a judgment will be made. In that case, you lose. People from the executive board of the court will freeze your bank account and seize your existing assets. If it is not executed, it will be on the list of untrustworthy people in the court. Nowadays, many courts will scroll the information of untrustworthy people on the outdoor big screen, which is very shameful. In addition, you will leave a bad record in the credit information system of the People's Bank of China, which will be very troublesome for you. In five years, you can't get a penny of loans, credit cards, even airplanes, high-speed trains and high-end hotels from any bank. In short, it is trouble and embarrassment.
Question 7: What will happen if China Bank fails to repay the renovation loan? Your credit history will be affected first. Seriously overdue, it may be blacklisted by bank credit information. Secondly, the bank will have a special person to call for money, and if it is serious, the bank may sue.
Question 8: What if someone else uses my house as a decoration loan? You should report the case immediately.
Question 9: What is the responsibility for the failure to repay the decoration loan credit card? Hello! If it is a CMB credit card, please repay it in full and on time. First of all, overdue will produce bad credit records, which will affect your personal credit and future credit business, such as loans; Secondly, overdue repayment will generate interest and late fees; Finally, the Bank reserves the right to investigate if it is not likely to violate the criminal law for a long time.
Question 10: It has been ten days since I got the renovation loan from CCB. What hasn't come down yet? Is there a credit problem? If you didn't ask them first, did you report your decoration materials to them? If all these are given, you can call to urge them.