2. Of course, the borrower can also try to negotiate with Zhaolian Finance to apply for repayment. If it is really a special reason, such as being ill in hospital, losing labor force, etc. , submit relevant certificates, such as poverty certificate and income certificate, which can only be handled after the recruitment of financial institutions accepts and agrees to negotiate.
Third, the consequences of not repaying the loan.
(1) loans overdue does not necessarily affect personal credit. If it is a bank loan, once it fails to repay on time or is delayed again, the bad credit record of loans overdue or non-repayment will be uploaded to the Credit Information Center of the People's Bank of China, and it is impossible to estimate the loan and handle the card in the future. If it is a loan from some small loan companies in the market, although the bad credit record will not be recorded in the credit information system of the People's Bank of China, it will be recorded in the third-party credit information, which will also affect personal credit.
(2) If the loan is not repaid maliciously, the consequences are unimaginable. If the loan is still not repaid or even disappears after the bank collects it, so that the bank can't contact you, then you are likely to be sued and sued by the bank. Not only will you be forced to pay back, bear compensation, and even go to jail. For those private small loan companies, you may face all kinds of threats, and your family will be deeply harassed, which will make you nervous all the time. For more formal loan companies, if they still don't pay back after collection, they will be sued in court.
Fourth, the loan is not up yet. It's not an option that you can't pay back unless you can't pay it back. The above also analyzes the consequences of not returning, so don't choose not to return easily. Next, Bian Xiao teaches you a few tricks to get rid of the confusion that the loan can't be repaid.
(1) The application for deferred repayment loan expires, which does not mean that negotiation cannot be conducted without repayment on time. Actually, it's not like this. You can take the initiative to negotiate with banks or lending institutions to postpone repayment. As long as you are sincere and provide proof of your repayment ability, banks and lending institutions can still agree to your application for extension.
(2) Being unable to repay by installments does not mean that you are unable to repay by installments. You can apply to a bank or a lending institution for repayment by installments, and pay back part of it first, and the rest on schedule in subsequent installments. Don't worry that the bank or lending institution will not approve your application. It is much easier to repay by installments than not paying it back at all. I believe the bank will be happy to accept your application.
(3) Borrow money from relatives and friends to repay the loan. Don't lose face at this time. Compared with loans overdue's failure to pay back or not, this face is completely insignificant. Therefore, those who can receive money from relatives and friends must borrow money from relatives and friends and then repay the loan with the borrowed money.
(4) Using credit cards to withdraw cash and repay loans, each card has a certain limit, and the handling fee is not very high. If it's just a short-term shortage of funds, you can repay the loan with the withdrawal amount of the credit card, and then repay the credit card debt on time when the funds are loose. But if the funds are tight for a long time, this method is not suitable. Once the credit card debt cannot be repaid on time, you need to pay a late fee and a penalty interest. On the contrary, robbing Peter to pay Paul is not worth the candle.
If all the above methods fail, there is no other way but to put it off again and again.