1. How to return to normal after buying stocks with a credit loan

If the lender does not use the loan funds for stock trading operations, the lender can explain the purpose of the loan to the bank and provide relevant certificates. Please check carefully with your bank.

If it is true that the lender uses bank loan funds for stock speculation, then according to relevant regulatory regulations, bank credit funds are not allowed to flow into the stock market in violation of regulations. It is recommended that users immediately negotiate with the bank for solutions, withdraw the funds invested in the stock market, and return them to the bank.

2. How to restore credit if the loan is overdue

1. Please restore credit; 2. Apply to credit institutions, such as banks, loan companies, etc., to cancel overdue records and restore credit; to, It is established that it is not possible to recover it unless you take the initiative to return it.

If you fail to pay off the debt in time after using a credit card or loan product, your overdue record will be uploaded to the credit reporting system. Once the personal overdue record is uploaded to the credit reporting system, it will be How can I restore my credit if it is overdue in 5 years?

1. Apply for a recovery letter from the judicial authority

Due to the modern credit reporting system, various institutions are entered into the system, such as overdue telephone bills, water and electricity accounts, and various special issues. For reasons that cause an individual to have an overdue record, and the fault is not caused by the individual himself, the other party can use the other party to cancel the overdue record and restore credit.

2. Apply to the credit agency to cancel the overdue record and adjust the credit report

If it is overdue due to special circumstances, such as unemployment due to the epidemic, the first step is to repay the debt. Then take the initiative to apply for adjustment of credit report, submit relevant certificates, and adjust the credit report after obtaining approval from credit institutions (such as banks, loan companies, etc.).

The institution takes the initiative to provide borrowers with master credit.

3. Continue to use credit cards

If you pay off the balance after a slightly overdue credit card, and then continue to use the credit card regularly every month, you can effectively restore your credit.

3. What should I do if the stock used as a guarantee for financing is suspended?

Financing: When the financing period expires, if the securities purchased by the customer with financing happen to be suspended, then The repayment period will be postponed until the securities are resumed trading, and the financing interest during this period will be borne by the customer. Securities lending: When the securities lending period expires, if the securities sold by the customer during the securities lending period coincide with the quotation, the bond repayment period will be extended until the securities are resumed trading. , the corresponding securities lending fees during the period will be borne by the customer, or the securities lending contract can be understood in the form of cash repayment according to the agreement of both parties.

4. What about stock trading with loans?

Stock trading itself is a very risky investment. Just as everyone is told when opening an account at the stock exchange, "the stock market is risky and you need to be cautious when entering the market." When opening an account, the account opening institution records various videos and signatures. The cumbersome procedures such as confirmation are also to fully inform and confirm the risks of everyone entering the market. Only after fully understanding and confirming the risks can you enter the market and trade.

First of all, investors have different investment knowledge and understanding of investment, which leads to great uncertainty in the choice of investment targets. If you choose excellent stocks at the right price, you may skyrocket in a lot of time and realize a doubling of your assets; if you choose a price that is too high, or you do not have a thorough understanding and analysis of stocks, you may also choose a black swan and lose half of your assets in a short period of time. Or delisting is possible. There are real cases of these situations in real life, which are shocking.

The second and more important thing is the tolerance for risk. Some investors have good psychological quality and sufficient risk tolerance. Even if they lose all their money, they can quietly survive and make a comeback; while some investors will cry all day long, have trouble sleeping and eating, and even self-harm, There are all those who are seeking short-sightedness, which fully illustrates the uncertainty of risks.

Finally, and most importantly, no matter how solid and thorough your investment foundation is; how accurate your analysis of the investment target is, it can only be said that the expected possibility of the market outlook is different. No one is 100% correct about the later development of the market. This is because of the influence of national and market policies, investors’ recognition of the target, the surrounding environment and market, and many other factors, and this is the uncertainty of the market.

If you want to borrow money to speculate in stocks, if you are lucky and succeed, you can use the bank's money to achieve financial freedom; but once a loss occurs, it may affect the bank's repayment, and then affect your credit report, etc., and the disaster will be is unpredictable. I hope you can think clearly about drinking poison to quench thirst and think twice before you act.