Consequences of not repaying the loan:
1. The loan bank will urge the loan to be received in accordance with the law. According to the loan contract and guarantee contract (mortgage or pledge contract), the loan bank will take measures such as property preservation, including freezing the deposits in all bank accounts of you and the loan guarantor and sealing up the pledged property. After the judgment is made, it will be enforced according to law (deposit deduction,
Auction the mortgaged property to pay off the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, and all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property.
Your credit will be affected. If you take the company as the borrower, your company will be recorded in the national bank credit information system, and the loan in your personal name will also be recorded in the national personal credit information system for overdue loans. If the lending bank doesn't erase your records, you may not be able to get loans from all banks in the future.
3. If you are not maliciously in arrears with the bank loan and are able to pay the interest on the normal loan, I suggest you apply to the loan bank for loan extension first, stating your willingness to repay, and there is no fact of repaying the loan for the time being and no plan for repayment in the future. Normally, the bank will help you.
4. The staff of the relevant legal department will contact the borrower to negotiate the repayment. If the borrower still has no money to repay, in the case of unsuccessful negotiation, the Ministry of Justice will take judicial procedures and file a case for trial. If the borrower is applying for a mortgage loan, the items mortgaged by the borrower will be auctioned at a discount to cover the arrears.
Consequences of overdue loans not being repaid to banks.
1, the bank will calculate the penalty interest from the overdue date according to the loan contract.
2. After notifying the debtor three times, the bank will report the debtor's overdue information to the People's Bank of China, forming the debtor's personal bad credit information.
3. Banks will designate legal institutions or internal organizations to collect debts in a targeted manner.
4. For customers who can't pay off their debts, the bank will directly ask for a judgment and auction the assets of the debtor and guarantor.
comment
1, as long as there are no fictional facts, real materials and legal procedures when you borrow money, it does not constitute a crime and belongs to civil affairs. Failure to repay the loan is only a civil liability. The bank will ask you and the guarantor to repay the loan.
2. If you owe money maliciously, you need to bear criminal responsibility.
3. If the assets are finally auctioned, then the price after the auction, the legal fees paid first, and then the bank's principal and interest and fines are compensated, and the remaining amount is your own.
When the bank loan is not paid, don't choose to escape, which will have a bad influence on yourself. We should face it positively.
What will happen to Bank loans overdue?
First of all, answer directly.
Bank loans overdue will have the following consequences.
Second, the specific analysis
1, resulting in poor personal credit reporting.
The overdue records of the post-loans overdue bank will be uploaded to the user's personal credit information, which will lead to bad personal credit information.
2. Overdue penalty interest.
The bank will charge overdue penalty interest according to the number of days overdue. The longer the overdue days, the more penalty interest will be generated, and a large number of penalty interest will increase the repayment burden of users.
3. Encountered bank collection.
After the bank loans overdue, the bank will send a short message for collection first.
If the SMS collection fails, a collection staff will call to collect it.
If the telephone collection is unsuccessful, the collector may come to collect it.
Friends and relatives have been collected.
If the collection from the lender fails, the bank will send a text message and call the user's relatives and friends for collection.
5. The bank may have users.
The bank has been in loans overdue for three months, so it is possible for the bank to use it.
Banks usually make decisions against users.
After losing the case, the user needs to repay according to the content of the judgment.
6. Be listed as a person who has lost trust.
After the judgment, if the user refuses to repay, it will be enforced.
During the enforcement period, if the user still fails to repay the loan, the user will be classified as a untrustworthy person.
7. Being listed as a risk by the bank.
After the user's bank goes to loans overdue, the bank will list the user as a risk, and it will be difficult for the user to handle the bank credit business.
8. Unable to handle loan business.
Bank loans overdue will lead to poor personal credit reporting, which will lead to the inability to apply for bank loans. One of the conditions for applying for a bank loan is that the applicant has good credit information.
9. Unable to apply for a credit card.
One of the conditions for applying for a credit card is that the applicant's credit information is good, and users with bad credit information will not be able to pass the credit card approval.
10, automatic debit of bank card.
The system initiates automatic deduction from the bank card bound to the loan account every day until the repayment amount is fully deducted.
To sum it up.
There will be a series of consequences after the bank loans overdue, please pay off the overdue debts as soon as possible.
Paying off overdue debts as soon as possible can reduce the negative impact of overdue records.
There are many online loan big data systems that can provide online loan records, which can be found: Xiaoqi New Tea. You can query important data information such as online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount.
3. Will the gold bars expire for almost two years?
JD.COM gold bars have expired for almost two years. If the overdue amount has accumulated to a higher amount, and the user maliciously overdue, then JD.COM gold bars may be used by users, and they will still be valid after two years overdue.
However, the overdue amount is relatively small. During this period, users pay back in succession, or users don't pay back, so there is a high probability that JD.COM gold bars will not be used.
JD.COM gold bar users will need to spend some manpower, material resources and financial resources. When the overdue amount is small, it is not cost-effective for JD.COM Gold Bar to recover overdue debts.
Therefore, only when the overdue situation is very serious and the overdue amount is large, JD.COM Gold Bar will consider users.
If the small amount of arrears cannot be collected for a long time, JD.COM Gold Bar will directly handle the bad debts.
For users, only by paying off the overdue debts of JD.COM Gold Bar can personal credit information be restored.
If the overdue debts are not paid off, the overdue records will always be kept, and even the overdue records will become bad debts.
Bank loans will not have any serious consequences.
The lawyer replied.
The consequences of not repaying the bank loan are: the bank will collect it; Overdue for more than 90 days, if the circumstances are serious, it can be regarded as malicious overdue; Personal credit will be affected, and loans in the name of individuals will be recorded as overdue loans in the national personal credit information consultation system; If the loan has not been repaid, and the loan has not been repaid after the execution of the judgment, you can report it to the Supreme People and enter the "list of people who have lost their trust".
legal ground
Article 1 of the Provisions of the Supreme People's Government on Publishing the Information of the List of Persons Subject to Dishonest Execution
If the person subjected to execution fails to perform the obligations specified in the effective legal documents, under any of the following circumstances, the people's court shall include him in the list of people subjected to execution for breach of trust and impose credit punishment on him according to law:
(1) Having the ability to perform and refusing to perform the obligations specified in the effective legal documents;
(2) Obstructing or resisting execution by forging evidence, violence or threats;
(3) evading execution by means of false litigation, false arbitration or concealing or transferring property;
(4) Violating the property reporting system;
(5) Violating the consumption restriction order;
(6) refusing to perform the settlement agreement without justifiable reasons.
What happens if you owe a bank loan?
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Consequences of non-repayment of loans: 1. The borrower needs to bear the liability for breach of contract for non-repayment of bank loans, generally high penalty interest and liquidated damages; 2. Collection by financial institutions; 3. If the credit card is overdue for 90 days, it can be repaid by the banking institution.
What if I owe a bank loan?
If it is really unable to repay, it shall negotiate with banks or lending institutions to extend the repayment period or repay it in installments. What will happen if the loan money is not available: 1. If the lender or bank fails to perform the judgment within the performance period after winning the case, it will apply for enforcement. 2. When compulsory execution is accepted, the lender's property, vehicles, securities and deposits will be inquired according to law. 3. If the lender has no property to enforce, refuses to perform the effective judgment, overdue repayment and other negative information will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody. 4. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.
What happens if you owe a bank loan?
Consequences of non-repayment of bank loans:
1. The borrower's credit is affected. Because the bank pays more attention to the borrower's personal credit, if the loan is not repaid, the personal credit will be affected, which will directly affect the borrower's future loans.
2. Penalty interest will increase the repayment pressure in the future. If the borrower fails to repay the loan, there will be a penalty interest as time goes on, which will increase the repayment pressure of the borrower.
3. After one or two months in loans overdue, the bank will not immediately notify the borrower to repay. If it fails, the bank will have a special person to communicate with the borrower.
4. If the communication fails, the borrower provides collateral as a mortgage loan, and it cannot be repaid after repeated dunning, and the collateral will be auctioned to repay the loan.