If the dragon installment is overdue, it is necessary to apply for credit information.

after borrowing money by installments, if the borrower pays off the arrears in time and makes up the overdue fee after a short period of time, it will generally not be reported to the central bank's credit record.

if the overdue time is more than one month and you are still unwilling to repay after repeated collection, the useful installment will report this situation to the big database of the credit information center.

Process of overdue repayment:

1. Bring my ID card and Entrusted Loan Contract to the Provident Fund Center to fill in the Application Form for Early Repayment of Housing Provident Fund Loan, and then go through the repayment procedures at the designated repayment handling point of the bank.

in case of full settlement in advance, the borrower shall pay off the loan at the loan repayment handling point designated by the bank, and go through the settlement formalities at the provident fund center with his ID card, the entrusted loan contract, the settlement certificate issued by the bank and all the procedures and materials generated when applying for the housing provident fund loan at that time.

It should be noted that according to the contract, the borrower can apply for early repayment when the repayment period expires for 12 months.

2. In case of partial repayment, the repayment amount shall not be less than 4% of the loan balance. The Application Form for Early Repayment of Housing Provident Fund Loan is time-sensitive, and the borrower can only fill it out after preparing the repayment funds. The specific repayment steps of each bank are different, and the borrower can consult the bank to designate the repayment handling point.

Extended information

Repayment methods after overdue installment:

1. Understand the contract rules

When signing a loan contract, read the terms clearly. First of all, we should look at the repayment date and time of each month, and remember the repayment amount of each month clearly, so that the repayment can be done fairly well; Secondly, we should also look carefully at the penalty clauses. Only by knowing these in advance can we effectively avoid overdue and repay in full on schedule.

2. Automatic repayment with associated bank cards

Many friends are not unable to repay, but forget to repay. Many bank cards have the function of automatic repayment. You can associate your own salary card and let the system automatically deduct money. At the same time, the repayment time should not catch up with the repayment date, and it can be appropriately advanced by 2-3 days, so as to avoid loans overdue caused by transfer delay.

3. Apply for loan extension

If you really have difficulties in repayment, you must contact the bank and apply for loan extension, which will not only solve the immediate problems, but also avoid high penalty interest.

if it is overdue, if it is within 1~3 days, you can call the bank staff, explain the reasons clearly and repay the loan in time. Usually, banks will set up a "time tolerance" mechanism, which can help you avoid overdue.

Consequences of overdue by installment:

1. For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue.

2. The collection is generally divided into three stages: the first stage, just a few days overdue, the platform customer service mm whispers and reminds you that it is overdue, please repay it on time; In the second stage, if it is overdue for a long time, the platform customer service will seriously warn that it will face serious consequences if the threat is overdue; In the third stage, it was overdue for a long time, and the platform stopped trying to persuade each other and began to take practical actions.

There are many practical actions, such as: the platform pushes your arrears information to your relatives and friends, making you lose face in the circle of friends; The platform arranges special collection personnel to collect money at home and communicate face to face to collect accounts.

Of course, these are mild. Some platforms outsource the collection, and special collection companies carry out the collection. The collection company that broke out some time ago, "violent collection", I believe that borrowers are not willing to encounter it.

3. Facing the national trust crisis.

Now all online lending platforms have established a blacklist system, and the blacklisted platforms have begun to communicate with each other. Borrowing on one platform is overdue, and it is very difficult to borrow on other platforms.

In addition, the online lending platform will publicize the blacklist through its own online channels such as WeChat and Weibo, and even on the big screens of railway stations and airports. Let the people all over the country know that these "old lai" borrow money and don't pay it back! Of course, except those who owe money maliciously, ordinary borrowers will not go this far.

Baidu encyclopedia-overdue repayment