See if he's coming for a two-year prosecution period. If the credit union doesn't ask him to sign a lawyer's letter for two years, it's fine, but the individual has no credit. If you are in the prosecution period, you can negotiate with the credit union about the repayment period and interest-free.

Second, what should I do if the loan of the rural credit cooperatives is not repaid when it expires?

1. If the loan cannot be repaid in full on the interest payment date, the bank will temporarily list it as a collection note and call the borrower to remind him to repay it within 7 days. If it is paid within 7 days, the bank will not charge any late fees. However, if the payment is overdue for more than 7 days, you must pay the late payment fee or penalty interest.

2. Personal credit will be affected. The longer the time, the higher the amount and the greater the impact. In this case, it will be difficult for borrowers to get loans in the future. Lending institutions may prevent borrowers from lending because of their poor credit.

The most serious thing is getting caught. If the repayment is still overdue after repeated urging by the credit union, the staff of the credit union can take the borrower to court and let the judgment auction the borrower's assets for repayment. Whether it is a mortgage loan or a credit loan, this can be implemented.

At this time, if it is really unable to repay, it is recommended to communicate with the bank and negotiate with the lending institution to extend the repayment period or repay it in installments. Of course, you can also borrow money from friends and relatives. If the loan amount is not large, you can explain the situation to your friends, agree on the loan amount and repayment time, and write down the loan note to dispel the concerns of relatives and friends about the loan, so as to solve the urgent need.

What will happen if my loan in the rural credit cooperative does not expire? Ask a question

1. If the loan cannot be repaid in full on the interest payment date, the bank will temporarily list it as a collection note and call the borrower to remind him to repay it within 7 days. If it is paid within 7 days, the bank will not charge any late fees. However, if the payment is overdue for more than 7 days, you must pay the late payment fee or penalty interest.

2. Personal credit will be affected. The longer the time, the higher the amount and the greater the impact. In this case, it will be difficult for borrowers to get loans in the future. Lending institutions may prevent borrowers from lending because of their poor credit.

The most serious thing is getting caught. If the repayment is still overdue after repeated urging by the credit union, the staff of the credit union can take the borrower to court and let the judgment auction the borrower's assets for repayment. Whether it is a mortgage loan or a credit loan, this can be implemented.

At this time, if it is really unable to repay, it is recommended to communicate with the bank and negotiate with the lending institution to extend the repayment period or repay it in installments. Of course, you can also borrow money from friends and relatives. If the loan amount is not large, you can explain the situation to your friends, agree on the loan amount and repayment time, and write down the loan note to dispel the concerns of relatives and friends about the loan, so as to solve the urgent need.

3. loans overdue, a rural credit cooperative, has not been returned. What should the credit cooperative do?

You can consult the credit union. At present, interest is calculated in stages by time, so financial institutions must be asked to know about it.

Four, rural hukou loans in credit cooperatives, if not how to deal with loans, professionals. ...

First of all, the landlord's idea is wrong! Let me put it in a popular way:

First, now that the personal credit file is online, you can check your credit status in all banks! If you don't repay the loan, there will be a credit stain. In that case, don't say that the credit union won't give you loans in the future, nor will it give you loans in other banks. If you have a housing provident fund, it is difficult for you to use it as a mortgage. Another credit card is very difficult! In short, if you don't pay it back, it will be difficult to get another loan!

Second, if you don't pay back the loan, the credit union can pay you back. Of course, in today's society, if you don't repay the loan, you won't be dragged into prison or sealed up. But if you are mortgaged, the credit union has the right to liquidate your collateral through legal means. If you take out a secured loan, you will get into trouble with your guarantor. Not only will you ask him for compensation, but he will also be blacklisted, so it will be difficult for him to borrow money from the bank. If your guarantor works in a company, he will deduct some money from his salary every month, leaving him only the minimum wage. Why should you hurt a person so well? Besides, even if we figure it out, who will guarantee you in the future? You have also defiled your reputation among the people!

Third. Generally, you can't escape the loan from the credit union, because even if you don't pay it back, your children won't be able to borrow money from the credit union in the future. At this time, the credit society confidently asked your descendants to sort out your old money first. Although father's debt is only a moral category. But if the credit union is here because of this card, I think your child will scold you in his heart! If you don't think of yourself, you have to think of future generations. Even if you have a good relationship with the director of the credit union, can you guarantee a good relationship with every director? In case your descendants have something urgent to borrow from the credit union in the future, will you feel at ease if the credit union does not lend? Besides, by the time your son pays you back, the interest may have exceeded the principal. You are making your offspring worse!

Therefore, the landlord should not have this idea. In fact, the money from the credit union is still very easy to borrow. The premise is to borrow and return! You can borrow it from a friend before it expires, and then go in and lend it out! ! !

I'm from the credit union. Most people will understand the stakes!