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What will happen to those who are unable to repay the bank's large debts?
In life, everyone will encounter difficulties in cash flow. In addition to borrowing money from relatives and friends, many people will choose to borrow money from banks.

It is not only the business needs of many enterprises to borrow working capital from banks, but also many people choose to borrow money from banks when facing personal housing and consumer demand. According to the data of the central bank, RMB loans increased by 663.2 billion yuan in 20 17, up by1900 million yuan year-on-year. By sector, household loans increased by 451billion yuan, of which short-term loans increased by 7.91billion yuan and medium-and long-term loans increased by 3.71billion yuan.

However, it should be noted that borrowing money from the bank carries interest, and there are still many rules to be followed. If you can't repay it in time, there will be serious consequences.

A man in Jiangsu owed 6 cents six years ago, and now he is forced to pay back 1 10,000 yuan by the bank.

The man overdrawn 60 cents with his credit card when he was in college, but he forgot to pay back the 60 cents. Now six years later, the bank asked the man to return 9267.2 yuan with interest, which was also blacklisted. Including the overdraft in 0.6 yuan, overdue interest 156 1.72 yuan, overdue fine of 7,574.94 yuan, overrun fee of 7.03 yuan, annual fee 150 yuan.

Netizens feel that the bank's approach is inhuman. Sixty cents in the bank has not reached nearly ten thousand.

There are two main forms of money owed to banks in life: one is bank loans, and the other is credit card arrears.

1. What is the worst result if the loan is not repaid?

Individuals borrow money from banks and cannot repay it on time. Banks usually remind borrowers to repay their loans on time by phone or SMS, and default interest will also be generated through account manager's collection. If the repayment has not been received, the bank will file a lawsuit through the court or apply to an arbitration institution for arbitration.

First of all, interest expenses have increased substantially. In case of loans overdue, the lender shall not only pay off the loan and pay interest within the agreed time limit, but also pay overdue interest on overdue principal. For the interest that is not paid on time, compound interest can also be calculated, as well as other expenses (such as property preservation fees, attorney fees, etc.) to realize the creditor's rights. ).

Among them, the interest is calculated according to the period interest rate agreed in the contract (the period interest rate is a certain proportion of the loan interest rate of the People's Bank of China rising or falling in the same period), the overdue interest (penalty interest) rate is 30% to 50% higher than the period interest rate, and compound interest is equal to the overdue interest rate.

If the loan amount is relatively large, then the worst result is that the collateral is auctioned by the court to pay off debts; And record a bad payment in the personal credit file, so it is basically difficult to borrow money next time.

The worst result is that the collateral is auctioned by the court to pay off debts; And record a bad payment in the personal credit file, so it is basically difficult to borrow money next time.

Secondly, the lender's credit will be affected. The lender's overdue repayment will leave a bad record in the credit information system of the People's Bank of China, which will be affected in terms of loans, credit card applications, job hunting and so on. If the court or arbitration institution has made a judgment, but the borrower still refuses to return it, it will be included in the list of people who have lost their trust. The faithless person is commonly known as "Lao Lai", and it will be difficult to apply for a bank loan in the future! In addition, high consumption (flying, traveling and vacation, etc. ) people will also be restricted.

2. What happens to credit card arrears?

If the credit card is not repaid, in addition to the late payment fee, you need to calculate a high penalty interest on a daily basis. At the same time, it will leave a stain on your credit record and affect your personal life, such as buying a car or a house.

If you owe a large amount, you may be sued, and in serious cases, it may affect your daily life and that of your family.

What will banks do in the face of overdue?

When you are overdue, the bank will usually send a text message or call for collection. In the face of collection, if you owe a lot of money and haven't paid it back, the bank may come to collect it. If all this fails, the bank will sue you and try to recover the arrears.

? Will you go to jail if you don't pay back the money you owe the bank?

Failure to repay the bank loan is only a civil dispute, and under normal circumstances, it will not go to jail. After the loan expires, the bank will notify the borrower to repay the loan by dunning for a period of time. If the borrower still fails to repay the loan, the bank will send a special person to negotiate and solve it. If a bank brings a lawsuit to the court and the debtor fails to perform the court judgment after the court judgment, the bank may apply to the court for compulsory execution. However, if the debtor has the ability to execute the judgment and refuses to execute it, if the circumstances are serious, it will constitute the crime of refusing to execute the judgment: Article 313 of the Criminal Law stipulates that a people's court refuses to execute the judgment or ruling if it has the ability to execute it; if the circumstances are serious, it shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine. If it is really difficult to perform, the court will also extend the performance time.

Legal lending relationships are protected by law. If the debtor fails to repay the debt on time, the creditor may bring a lawsuit to the people's court in the place where it is executed to recover the debt; If a person refuses to pay back, the people's court has the right to enforce it according to law, and seal up, freeze, transfer or change the price of the property of the person subjected to execution according to different circumstances. If the people's court finds out that the debtor is really incapable of execution, it shall make an order to suspend execution and resume execution after the suspension disappears. Legal basis: Article 242 of the Civil Procedure Law states that if the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the deposits, bonds, stocks, fund shares and other properties of the person subjected to execution. From the relevant units. The people's court has the right to seal up, freeze, transfer or change the property of the person subjected to execution according to different circumstances. The property inquired, sealed up, frozen, transferred or changed in price by the people's court shall not exceed the scope of obligations that the person subjected to execution shall perform. Article 256 In any of the following circumstances, the people's court shall make a ruling to suspend execution: (1) The applicant indicates that execution can be suspended; (2) The outsider raises legitimate objections to the object of execution; (3) A citizen who is a party dies and needs to wait for the successor to inherit the rights or assume the obligations; (4) The legal person or other organization as a party terminates, and the successor of rights and obligations has not been determined; (5) Other circumstances in which the people's court considers that execution should be suspended. When the suspended situation disappears, execution will resume.

If a person who is unable to repay a large amount of money owed by the bank maliciously overdraws or provides false information to defraud the loan, the bank will report it or pursue its criminal responsibility with civil liability. Such a person may go to jail and be recovered by the bank for the principal and interest owed.

For those who are unable to repay the bank's large debts, as long as they are not malicious overdrafts or fraudulent large debts, the bank will file a civil lawsuit with the people's court, and the court will decide to repay them within a time limit according to law. If you still don't repay the loan at maturity, the bank will apply to the court for enforcement, and the court will freeze all the debtor's assets (including real estate) for auction to repay the loan, and the court will put you on the blacklist of old-timers who restrict high consumption, which will have an impact on all your economic activities.

In the end, all the living people are not ghosts, and they have a psychological breakdown, the economy is stretched, and even they are imprisoned, and the happy life is ruthlessly ended.

One, according to the nature of arrears, involved in illegal crimes, was sentenced to prison, lived behind bars, lost his freedom and was transformed into an economic crime. The formed mantra is to shout reports about everything.

Second, disputes in the civil field, such as being sued and executed, houses, cars, tickets, the auction of the auction, and the forced transfer of ownership, are not enough to be returned, and they are included in the management list of untrustworthy personnel, that is, wearing the hat of "Lao Lai". Then the income is monitored or even escrow, and the consumption is monitored, and it must always be enforced by the court. Creditors stare at you like thieves. If your family eats a chicken instead of a steamed bun, it may be suspected of overeating.

The premise is that as long as it is not fraud! If you can't afford it in the end, you will get old and lazy! If you have property, it will be seized and auctioned until you have nothing. Others are not economic cases. If the bank reports it, you can stay in the detention center for half a month every year, twice a year.

What will happen to those who are unable to repay the bank's large debts?

This depends on the pre-offer: if you deliberately defraud the loan or know that you have no repayment ability, you can achieve the purpose of the loan through extreme measures. Needless to say, criminal liability is accompanied by civil liability, you have to go to jail and pay back the arrears; If it is handled in a normal process and meets the requirements, once it is overdue, I will actively fulfill my responsibilities. To be honest, it won't be like that, but life will be more bitter.

I am sunshine avenue, specializing in solving debt problems and serving debtors out of debt quagmire. Welcome attention!

Simply put, there will be three effects:

1, the bank can bring a lawsuit to the court according to the contract, and the court will freeze all the assets in your account and the guarantor's name. After the verdict, the money in the account will be forcibly deducted.

2. Your and the guarantor's personal credit information will be affected, and you can't apply for credit products in the future. Even, in the future, even plane tickets and high-speed rail tickets can't be bought.

3. If the information provided when borrowing money contains false information, you may be sentenced for fraud.

I won't live. Don't ask such questions in the future. What do you want to know about these questions? Those who owe money will not die, and those who ask for money will still be like that.

Finally, it will enter the judicial process, seal up and auction according to personal assets, and repay debts. If intentional fraud is involved, it will enter public prosecution and bear criminal responsibility.