1. What about loans overdue, the municipal provident fund?
On the day of deduction, the banking system will automatically deduct the money. If the minimum repayment amount is not deducted successfully, the overdue loan will be charged.
Borrowers can repay overdue personal loans in two ways:
1. How to repay the loan on the repayment date agreed in the contract?
If the repayment is made on the repayment date agreed in the contract, you can make an appointment by phone first, or you can handle it directly with your ID card.
1) First, inquire about the loan amount due at least on the next repayment date by calling the central telephone entrustment system (this amount should be the sum of overdue loan principal and interest, default interest and minimum repayment amount), that is, if the borrower repays the loan according to this amount on the next repayment date, the loan will not be overdue.
2) After determining the repayment amount, the borrower will adjust the repayment amount through the central telephone entrustment system or sign the Notice of Borrower's Adjustment of Monthly Repayment Amount to determine the repayment amount on the next repayment date.
2. What if the repayment date is not agreed in the contract?
If I repay the loan on a non-contractual repayment date, I can only go to the loan business counter with my ID card.
1) When the borrower repays the overdue personal loan on the repayment date not stipulated in the contract, he must go through the relevant formalities at the counter of the loan business department with the original ID card.
2) The borrower first applies to the loan business department and agrees on the repayment date.
3) The Borrower shall fill in the Commitment Letter of Repayment Entrusted by loans overdue for Personal Housing Guarantee.
Note: The agreed repayment date is 3 days (exclusive) after the borrower goes through the repayment formalities in the management department and before the next repayment date (exclusive) agreed in this contract. However, the borrower can only go to the counter to handle the overdue personal loan repayment formalities once every period on the repayment date not agreed in the contract.
3. How to calculate the penalty interest?
Penalty interest rule: use overdue principal and interest? Penalty interest rate (loan annual interest rate? 360 days? 150%)? Days overdue.
1) Voice prompt of self-service reserved repayment amount, and the penalty interest will be calculated until the next repayment date;
2) If the repayment is overdue on the non-contractual repayment date agreed by the business counter, the penalty interest shall be calculated to the agreed repayment date.
Second, what about the state-managed provident fund in loans overdue?
When the borrower learns of loans overdue, he does not need to apply for additional deduction, but only needs to deposit the funds into the repayment account as soon as possible, and the system will automatically deduct the money again.
How to calculate the penalty interest
After loans overdue, the borrower has an interest-free period of 4 days (only applicable to loans issued after June 165438+ 10/5, 2007). If overdue payments are repaid within the interest-free period, no penalty interest will be charged; However, if the overdue repayment exceeds the penalty-free period, the penalty interest shall be calculated from the overdue date.
Note: If the repayment date falls on a holiday, the actual deduction date will be postponed. If there is no minimum repayment amount due on the deduction date, the deduction will only be made once a day from the next working day.
Three, commercial loans, overdue repayment?
When the commercial loan repayment is overdue, it can be recorded in the credit file according to the situation, and it should be supplemented as soon as possible after the overdue to avoid new overdue records.
If the repayment of commercial loans is overdue, we can only make up the arrears as soon as possible to avoid new overdue.
1. The following conditions will be recorded in the personal credit report:
1) One or two days later than the repayment date.
2) After the repayment date, the bank staff will pay off the arrears after dunning.
3) Repayment has been made before the due repayment date, but it has not been fully paid off because the specific amount is not clear.
2. What if it is overdue?
1) overdue funds should be returned as soon as possible;
2) Avoid new overdue and new negative records;
3) Re-establish your trustworthy records as soon as possible.
To sum up, if the borrower finds that the repayment is overdue, he must report the amount owed to the repayment account in time. For the city provident fund loans, we should pay attention to the agreed repayment date; Loans overdue, the state-owned provident fund, tries to make up the arrears within 4 days to avoid penalty interest; Commercial loans overdue should pay off its debts as soon as possible.
Sources: Beijing Housing Provident Fund Management Center, Fund Management Center of Central State Organs, China People's Bank.
This content is only applicable to Beijing.