Online search is nothing more than a job change, which leads to a decrease in income and inability to repay; Family members or borrowers are dead or missing, and there is no repayment; If the developer delays the delivery of the house, delays the handling of the property right certificate, or there are serious quality problems in the purchased house, the purchaser will defend on the grounds of refusing to repay the loan; Some borrowers have a weak legal awareness and deliberately default on loans; Due to work reasons, I have been away from home for many years and can't repay the loan in time.

The solution is to strictly control the borrower's loan conditions. For those who can or can't lend, the borrower is required to provide a guarantor with a stable job as a loan guarantee, and a long-term collection procedure is established. From one overdue to several months, designate a special person to be responsible for the collection. And make sure that whoever borrows the loan is responsible for collecting the loan.

Avoidance is not a commendatory term, but a derogatory term. To prevent the occurrence of risks, the word evasion cannot be used, and it is more appropriate to use prevention or risk control.

Second, how to write the explanation of loans overdue's reasons?

certificate

This is to certify that our customer xxx (ID number: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

Xx Bank (with official seal)

Third, because the credit card is overdue, the loan needs to be explained. Please give someone who understands a situation. ...

Although I am smart, it is really hard for me to say so.

How to write the reasons for loans overdue and how to write a statement?

Bank: I applied for a mortgage loan in your bank on, and I have been paying it back on time every month. When I was strictly fulfilling the repayment, I was on a business trip in other places at that time, which caused the monthly payment not to be repaid in time. However, after I came back from the business trip, I deposited the arrears in time, which really happened for a reason and greatly affected the credibility of your bank. Considering the special situation that my arrears are not malicious and I repay them in time afterwards, I hope your bank can give me a discount to lower the loan interest rate this time. I hereby declare that I am deeply sorry for the inconvenience caused to your bank. . . . . A few tears. Jia Wen year month day