If the overdue situation is not serious, you can pay off the loan before you borrow.

The overdue situation is serious. If the overdue days are more than 90 days, the repayment is overdue for three consecutive times, and the repayment is overdue for six times.

These loans can also be carried out after they are paid off, but only in lending institutions that do not check credit information, so it is very difficult to make loans in lending institutions that check credit information.

It should be noted that the loan interest rates of lending institutions that do not check credit information are very high, and some even exceed the legal upper limits of 24% and 36%.

I suggest that when you make a loan, you'd better make a loan according to your own financial ability, so as to avoid the influence of overdue loans on future mortgage and car loans.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Repayment method:

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

I owe a lot of online loans. Can I go to the bank for loans in the future?

? Put the debt aside first. It depends on your own situation, whether you have a provident fund, a mortgage house, a life insurance policy, a car and so on. These purchases require bank or institutional credit. If one of the above access conditions is met, personal credit investigation has not been seriously overdue in the past, and there are few credit investigation records (including credit card approval and loan approval) in the past two months to half a year (less than six times in half a year), you can try to apply in a bank or a credit insurance company.

? Different banks/institutions have different auditing standards. At present, the debtor's bank can refuse to lend, and the credit insurance company can approve it. The question that needs to be weighed is coming. If it has passed, it depends on the interest rate, repayment period, etc. And compare the online loan situation before deciding whether to withdraw money. The monthly interest rate of online loans exceeds 1.5.6, and the annualized interest rate is 35%. There is also the question of the length of repayment period. The annualized interest rate of credit insurance companies is around 20%. The cycle is generally 3 years, with equal principal and interest.

? Under normal circumstances, online loans are difficult to apply for bank loans. Not only because banks can investigate your big data credit, but also because they are worried that you will borrow money to repay the loan, banks will eventually become scapegoats. First of all, when you apply for a loan from a bank, the first step is that the bank will query the credit information from the database of the Credit Information Center of the People's Bank of China. Even if the applicant is a bank account, you will see the number of times you have been inquired about credit information on other platforms, and you can inquire about big data credit information.

? Although there are private credit information such as Sesame Credit and Tencent Credit Information, most online lending platforms still value the credit information of the People's Bank of China. After all, they are the most abundant, complete and authoritative official data. If you have overdue online loans, your bank credit will be greatly discounted, or rejected, or the amount will be reduced, or the interest rate will rise. Secondly, banks are most concerned about repaying loans. Due to well-known reasons, online lending companies have been criticized for high interest rates and violence. As a borrower of online loans, the probability of using bank loans to repay online loans is extremely high, at least the banks think so. There is no doubt that borrowing money will undoubtedly get into trouble. Moreover, it is illegal to borrow money to repay the loan, and the regulatory authorities should investigate the responsibility.

Can I get a loan immediately after the online loan is paid off?

After the online loan is paid off, the customer can apply for a bank loan immediately; Of course, it is ok to apply again after a while, depending on the customer's own wishes.

In fact, whether online loans are paid off generally has no effect on bank loans. After all, most online loans have their own credit information system and have nothing to do with credit information. Therefore, even if the online loan has not been paid off, customers can apply for bank loans.

However, it should be noted that some online loans are connected to the central bank's credit information system, so relevant information will also be recorded in the credit information report. If the repayment is overdue, you may not be able to apply for a loan from the bank in a short time.

Advantages and disadvantages of peer-to-peer lending.

superiority

High annual compound income

The annual interest rate of deposits in ordinary banks is only 3%, and wealth management products and trust investments are generally below 10%, which is incomparable with the annual interest rate of online loan products above 20%.

Simple operation

The authentication, bookkeeping, clearing and delivery of online loans are all completed through the network, and both borrowers and lenders can achieve the purpose of lending without leaving home. Generally, the amount is not high and there is no mortgage. It is convenient for both borrowers and borrowers.

Pioneering thinking

Online lending has promoted the interaction between industry and finance, changed the observation horizon, thinking context, credit culture and development strategy of loan companies, and broken the original lending situation.

disadvantaged

Unsecured, high interest rate, high risk

Compared with the traditional way of borrowing, peer-to-peer lending has no guarantee at all. Moreover, the central bank has repeatedly made it clear that the annual compound interest rate exceeds 4 times the bank interest rate and is not protected by law. It also increases the high risk of online lending (generally 7 times or even higher than the bank interest rate).

credit risk

The inherent capital of online lending platform is small, so it can't undertake large amount of guarantee. Once there is a large loan problem, it is difficult to solve it. Moreover, some borrowers also make loans for the purpose of fraudulent loans, while the founders of the loan platform have some ulterior motives, and cases of absconding with money also occur frequently.

Lack of effective supervision means

Because online lending is a new financing method, the central bank and the China Banking Regulatory Commission have no clear laws and regulations to guide online lending. For online loans, the regulatory authorities are mainly neutral, do not violate the rules, and do not recognize them. However, with the prevalence of online lending, it is believed that relevant measures will be formulated and implemented in time.

Online lending, mbth is Internet lending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

From 2065438 to September 2009, the Leading Group for Special Remediation of Internet Financial Risks and the Leading Group for Special Remediation of Online Lending Risks jointly issued the Notice on Strengthening the Construction of P2P Online Credit Information System to support the operating P2P online lending institutions to access the credit information system.