Bank loans are unable to repay. In real life, many people usually borrow money from banks when buying a car or a house. It is also common to be unable to repay after a loan. Here are some ways to deal with bank loans.

How to deal with the inability to repay bank loans 1 First of all, the best way to deal with the inability to repay bank loans.

1. Contact the platform in time after paying the arrears.

For bad records, some platforms will not upload credit information directly, but will give users a grace period of several days, and the reporting time of different platforms is different. Therefore, in the case of non-repayment, you should contact the lending institution as soon as possible to solve the problem before the platform reports to the credit information system.

2. Extend the loan term.

If you can't repay the loan as planned, you can apply to the bank for an extension of the loan term. However, the bank has set an extension period: the extension period of medium-term loans shall not exceed half of the original period, and the extension period of long-term loans shall not exceed three years.

3. Apply for an extension of repayment

If you can't repay the loan on time due to special reasons, you can apply to the bank for loan extension, which needs to be submitted 30 days in advance. After the approval of the bank, the loan period will be appropriately extended and the monthly repayment amount will be reduced. At present, many banks can apply for deferred repayment, and borrowers can decide the length of the extension, but the extension can only be applied once or twice, and there is a long time limit.

Step 4 ask friends and relatives for help

If you really can't repay the loan, you can borrow some from your relatives and friends for temporary emergency to solve the current predicament first. Try not to interrupt the repayment. If it is not paid for a long time, the house is likely to be sued by the bank.

5. First repay the loan with higher interest.

The borrower should have a reasonable plan when repaying the loan. As long as the borrower has income, he can repay part of the loan in installments, and paying off the loan with higher interest first can reduce the economic pressure.

6. Repay the loans in turn.

Pay off the loan on the credit report first, then pay off the small loan, and then pay off the large loan. For loans that have not received credit information, users can contact the lending institution for consultation and apply for extending the repayment period or extending the repayment period.

Second, what are the consequences of the loan?

1. Bad credit records left in personal credit directly affect the lender's future loans;

2. If penalty interest is generated, the economic burden of penalty interest will be increased on the basis of the original loan burden;

3. file a lawsuit. If the lender fails to repay the loan of the credit cooperative after repeated reminders, the credit cooperative may sue the lender to the court;

4. In the case of collateral, with the permission of the court, the lending bank may auction the collateral to repay the money owed by the lender.

Third, is there a difference between loans and private loans?

Although rural credit cooperative loans and private lending are both lending behaviors, they are essentially different. The most fundamental difference is that the loans of rural credit cooperatives are protected by national laws. If the interests of borrowers are infringed, they can safeguard their legitimate rights and interests through legal channels. But private lending is different, and the protection of private lending by law is conditional. For example, if the interest rate of private lending exceeds four times that of similar bank loans, the excess will not be protected by law.

Treatment of inability to repay bank loans 2 1. Ask people around you for help.

When you can't repay the loan, you can only ask people around you for help as much as possible. Therefore, it is suggested that lenders apply for loans according to their own economic strength, and do not blindly say that they have not applied.

2. Apply to the bank for extension.

If the lender fails to recover the loan for many times, the creditor will directly deal with the collateral to pay off the remaining debts. But for borrowers, this method can be used as the second best policy. You know, escaping is not the best solution. If there are reasons, you can apply to the bank for a loan extension 30 days in advance. If the bank investigation is true and considered qualified, it will be approved, and your monthly repayment will be reduced and the loan period will be extended.

3. Share the loan with the guarantor.

How to handle personal loans

1. When applying for the loan amount, we must moderately and fully consider the financial situation and habits of individuals and families. Under normal circumstances, the monthly repayment amount should not exceed 50% of the total family income.

2, to maintain a good credit record, once the credit record is bad, it will directly affect the operability of the loan, and it is even likely to be rejected by the bank.

3. When making a loan, you should provide real personal information to the bank, cultivate a good sense of honesty from the beginning, and never provide false information, otherwise it may be listed in the "blacklist" of the bank and rejected by all banks; Notify the bank in time when personal information changes.

4. The loan applicant should have a stable source of income and have the willingness and ability to repay. Office workers should provide unit salary certificate, bank running water, etc. , and companies or self-employed individuals should provide information on their operating conditions, and provide bank running water, physical assets (such as real estate) and financial assets (such as bank deposit certificates and government bonds).

When you can't repay the loan, you can only ask people around you for help as much as possible. Therefore, it is suggested that lenders apply for loans according to their own economic strength, and do not blindly say that they have not applied. If you can't repay, you can apply for an extension of the repayment period.

How to deal with the inability to repay bank loans 3. First of all, clear repayment responsibility (taking housing loan as an example)

1. Before the transfer of property rights, the developer was the person responsible for repayment.

The buyer paid the down payment, completed the mortgage, and the relationship between the developer and the buyer was established. Before the developer did not handle the property right certificate for the owner, the lender stopped repaying the loan, and the bank had no right to ask the lender to pay, but only asked the developer to bear the blame.

2. After the transfer of property rights, the buyer is responsible for repayment.

The relationship between the buyer and the bank was originally a loan relationship. At the same time, in order to ensure the safety of loans, banks require lenders to use real estate as collateral, thus adding another layer of mortgage relationship. After handling the property right certificate, the loan contract and mortgage contract will enter the execution procedure. If the lender fails to pay the monthly contributions on time, the bank has the right to deal with the lender.

Second, the negotiation process

Mr. Zhang is the owner of a small trading company. In 2005, he bought a commercial house in this city and borrowed 500,000 yuan from China Construction Bank. The term is five years, and the monthly repayment is 96,365,438 yuan +0.56 yuan. Later, due to the company's operational difficulties, Mr. Zhang was temporarily unable to repay this fee, so he applied to the bank for suspension of repayment. The bank staff suggested that he extend the mortgage period to 30 years.

In this way, the monthly repayment amount does not exceed 3036 yuan, and Mr. Zhang feels that such expenses can be reluctantly accepted. In the future, the company's operating conditions will improve, and it is a major event to pay off the loan in advance. So I re-signed the loan agreement, avoiding the consequences of forced mortgage of the property, and my integrity in the bank was not damaged.

Third, suspend repayment.

Some bank staff said that at present, the bank has not launched a real suspension of loan repayment business. As far as he knows, the so-called repayment suspension service of some banks is actually a loan principal, and the interest still needs to be paid as usual. Take Mr. Zhang's situation as an example. If the loan is repaid in 10, the monthly principal is 4 166.67 yuan and the interest is nearly 5,465 yuan.

In other words, if he chooses to suspend repayment, he still needs to pay 5465 yuan of interest every month, which is not a small sum for the buyers who are unable to repay the loan. Moreover, after normal repayment is resumed, if repayment is suspended for several months, it will be delayed for several months. In this way, it is not economical.