The so-called loans overdue means that after the loan expires, the borrower fails to repay the loan principal and interest to the bank that issued the loan as agreed in the loan contract, and fails to go through the relevant extension or refinancing procedures, resulting in the loan exceeding the agreed period. "
There is something wrong with this definition. Loans overdue refers to the situation that the borrower fails to repay the bank principal or interest within the time limit stipulated in the loan contract. Then the overdue loan is the principal balance of all loans that the borrower fails to repay the principal or interest within the time limit stipulated in the loan contract on the bank statistics day.
Therefore, overdue loans are not only overdue of the loan principal, but also belong to loans overdue even if the principal is not due and the borrower fails to repay the loan interest within the time limit agreed in the contract.
In the PBC credit report, there will be a series of symbols representing different meanings.
"/"-No account has been opened;
"*"-there is no overdue before this month, so there is no need to repay this month;
"n"-normal (the borrower has repaid all the repayment amount of the current month on time);
"1"-means overdue 1-30 days;
"2"-365438+0-60 days overdue;
"3"-665438+0-90 days overdue;
"4"-9 1- 120 days overdue;
"5"-means overdue 12 1- 150 days;
"6"-means overdue 15 1- 180 days;
"7"-refers to the overdue period exceeding 180 days;
"D"-repayment by the guarantor (indicating that the borrower's loan has been repaid by the guarantor, including the guarantor and guarantor's timely repayment of part of the loan);
"Z"-assets and liabilities (indicating that the borrower's loan has been repaid by assets and liabilities. Only refers to the debt repayment part);
"C"-Settlement (The borrower has paid off the loan in full, and the loan balance is 0. Including normal settlement and withdrawal.
Before settlement, asset and debt settlement, guarantor settlement, etc. );
"G"-closure (any other form of account termination except settlement);
If you occasionally forget to pay the loan and it is one day overdue, it is estimated that you will get a call from the bank. Assuming that the overdue amount is small and the previous repayment record is good, the bank will only think that you have not defaulted maliciously, and the problem will not be too big.
If it is overdue for 90 days in a row, it will be marked as 3 in the credit report and recognized as a "blacklist" by all financial institutions, indicating that the credit status is bad. Almost all credit institutions, including internet finance companies, may shut you out.
Generally, bank loans and credit cards overdue for more than 90 days will be regarded as malicious overdue, and legal measures will be taken if they exceed 120 days.
Loans overdue time and overdue loan amount
basic concept
1. overdue loans
Overdue loans refer to the principal balance of all loans that the reporting institution failed to repay the principal or interest within the time limit agreed in the loan contract at the end of the reporting period.
2. Loans with overdue principal
If the loan principal is not repaid within the time limit agreed in this contract, the outstanding principal balance as of the repayment date shall be regarded as overdue loan. For personal consumption loans repaid in monthly installments, the overdue loan reporting method is: if the overdue loan is within 90 days, the overdue loan shall be reported according to the overdue principal balance; If the loan is overdue for 9 1 day or more, it shall be filled in according to the balance of the total loan principal.
3. Overdue loans with interest
If the loan interest is not repaid within the time limit agreed in this contract, the balance of the loan principal that has not been fully repaid by the interest payment date shall be regarded as overdue loan.
4. Non-accrued loans
According to the Accounting System for Financial Enterprises (No.49 of the Ministry of Finance, 200 1), although this document has become invalid, many banks still use the measurement method of accrued loans and uncollected loans. Non-accrued loans refer to loans with principal or interest overdue for 90 days, and accrued loans refer to loans other than non-accrued loans. When the loan principal or interest is overdue for 90 days, it should be accounted for separately. When an accrued loan is converted into a non-accrued loan, the recorded interest and interest receivable shall be written off and the registration form shall be kept for future reference. Upon receipt of the accrued unpaid repayment
In the "1 104 report" system, the overdue time is divided into seven intervals, namely within 30 days, 3 1 to 60 days, 6 1 to 90 days, 9 1 to 180 days and/.
Loans overdue's concept is easy to understand, that is, the loan exceeds the principal due to the principal or interest agreed in the contract, but there are still many details in actual operation. There are differences in the specific treatment methods of conventional loans, advance payments and personal consumption loans.
1. Traditional loans
Conventional loan is an informal definition to distinguish it from special loan. Mainly refers to fixed capital loans, working capital loans, personal business loans, etc. It clearly stipulates that the principal and interest of the loan will be repaid at a specific time.
For conventional loans, the first day of default is the day after the agreed repayment date, and the number of days in arrears is calculated continuously, which is equal to the date of data submission minus the agreed repayment date. If the agreed repayment date is the month-end submission date, and the customer fails to repay as agreed, the number of days of default in the current period will be reported as 0.
The number of days in arrears of interest is the first day after the agreed interest payment date, and the number of days in arrears of interest is calculated continuously, which is equal to the data reporting period minus the agreed interest payment date. If the agreed repayment date is the month-end submission date, and the customer fails to repay as agreed, the number of days in arrears in the current period will be reported as 0.
[Case 1]
On April 30th, 20021year, the bank issued a loan of RMB100000 to Enterprise B, and the contract stipulated that the principal and interest would be repaid in one lump sum on April 30th, 2023. After the loan expires, the enterprise only returned the interest and principal of 2 million yuan.
2. Off-balance sheet loans
Advance refers to the funds advanced by the reporting institution due to the default of the secured counterparty caused by the third party liability of non-banking institutions. Including acceptance prepayment, letter of guarantee prepayment and letter of credit prepayment.
For advance payment, the maturity date from the date of occurrence.
This number of days is equal to the data reporting period minus the occurrence date plus 1 day. The interest-free days are also calculated from the date of occurrence, and the interest-free days are equal to the data reporting period minus the date of occurrence plus 1 day.
3. Repay personal loans in installments
For monthly installment loans, if a loan defaults for many times due to installment repayment, the default days with the longest default time shall be taken. In the case of installment repayment, if multiple defaults cause penalty interest, the default days with the longest default time shall be taken as the penalty interest days. Comparing the two, the longest overdue time is the actual overdue days.
Compared with other loans (including other business loans with installment repayment), personal loans with installment repayment (including housing and commercial housing mortgage loans) do not need to fill in all the remaining principal balance after overdue, but are treated differently according to 90 days. The specific reporting method is: within 90 days overdue, report according to overdue principal balance; If the loan is overdue for 9 1 day or more, it shall be filled in according to the balance of the total loan principal.
4. Borrow the new and return the old
The overdue days of loans in the form of loan repayment and extension due to loan repayment are calculated from the expiration date of the original loan contract. The overdue days of normal loan extension are calculated from the maturity date after extension. For restructured loans, the overdue days of the loan are calculated from the expiration date of the original loan contract, and the overdue interval may be directly changed to "overdue over 36 1 day".
It should be noted that in 20 14, the Notice of China Banking Regulatory Commission on Perfecting and Innovating Loan Services for Small and Micro Enterprises to Improve the Financial Service Level of Small and Micro Enterprises (Yin Jian Fa [2014] No.36) stipulated that qualified small and micro enterprises can apply for "loan renewal", that is, they can continue to use loan funds by issuing new loans to settle existing loans. The loan without repayment of principal is not a restructured loan, but a new contract, which is not bound by the expiration date of the original loan contract.
This article comes from Cheng.
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