I have borrowed a lot of online loans, and what should I do if I can t borrow online loans recently

It is recommended to apply for loan business through formal channels for financing, and you can consider applying for Agricultural Bank of China.

NetJet Loan Business.

2) The borrower understands the product situation, the basic conditions of the loan and the handling process.

3) Fill in the basic information, the term of the loan to be applied, the account for borrowing and repayment, and the mailing address.

Wait. 4) The system verifies the validity of the mobile phone number.

6) Confirm the loan information, the amount of the loan to be applied for, the purpose of the loan, etc.

The annual interest rate of NetRapid Loan: The interest rate of mortgage customers will rise by 15%, and the interest rate of non-mortgage customers will rise from 15% to 50%. ABC will make interest rate adjustments in a timely manner according to market conditions.

The term of the loan shall not exceed one year.

Purpose of NetJet Loan:

1) The online quick loan business is used for personal consumption and shall not be used for purposes prohibited by relevant national laws, regulations and credit policies.

2) The online fast loan adopts the method of issuing cash credit.

If you need other help, you can further call the customer service center of ABC for verification.

The specific reasons for the rejection of an online loan can be verified by contacting the online loan platform. If you have a need for funds, Ping An Bank has launched unsecured and unsecured credit loans, as well as mortgage loans and mortgage loans for houses and cars, different loan application conditions and requirements are different, whether the approval is successful is based on your comprehensive qualifications for evaluation, you can log in to Ping An Pocket Bank APP-Finance-Loans, learn more and try to apply.

Me too, I was in a hurry at the time, and now I can't afford to pay it off.

Summary. Dear, at this time, you should work hard, receive a stable salary, pay back the arrears, and don't borrow all kinds of online loans, otherwise your credit will be even worse, and the time to get a loan in the future will be extended longer.

All online loans can't be borrowed, because your personal credit is very bad, in this case, you should temporarily stop applying for all kinds of online loans, work hard, get a stable salary, pay back the arrears on time, and raise the credit back.

What should I do if I can't borrow all the online loans?

Dear, at this time, you should work hard, receive a stable salary, pay back the arrears, and don't borrow all kinds of online loans, otherwise your credit will be even worse, and the time to get a loan in the future will be extended longer. All online loans can't be borrowed, because your personal credit is very bad, in this case, you should temporarily stop applying for all kinds of online loans, work hard, get a stable salary, pay back the arrears on time, and raise the credit back.

I've never been overdue, and now I can't even get a credit card.

It has never been overdue, so you have cashed out, and the cashing out will be controlled. And now that personal information is leaked seriously, you should go to a local bank that can print a credit report to print a credit report to see if anyone has stolen your information, and handle relevant loans If you have to call the police immediately, if not, first, it is best not to cash out, and second, do not repay in installments. Maintain a stable job and a stable income, repay the loan regularly or in advance, and take care of your personal credit report.

No matter how you check what kind of loans.

You have to take your personal ID card to a large local Bank of China, China Construction Bank, or call the customer service behind a bank card you have in your hand to inquire, whether you can print a credit report or go to **print a credit report.

I've printed out a credit report, several pages, and I can't read it.

You just need to see if there are any overdue ones, and if there are any loans that you don't borrow. You can also ask the bank's staff.

It's a mess, and I had a period of time before when I registered a lot of lending software.

If they are all self-registered lending software, this will also affect all kinds of loans. It is better to focus on whether there is an overdue overdue or not, and if there is an overdue, you have to pay back the overdue one, and then do not register any lending software.

Not overdue. Now all platforms, only let not borrow.

It's good that it's not overdue. Then you have to pay back all the loans on time and raise a credit first.

It may be due to the tightening of policies, insufficient loan amounts, poor personal credit reporting, and excessive personal debt ratios. Generally speaking, the user's online loan cannot be lent at all, which is caused by a combination of reasons, not just one reason. At this time, the user needs to stop applying for an online loan, and then try to apply for an online loan again after an interval of half a year.

Frequent application for online loans in a short period of time will not only cause too many credit inquiries, but also directly affect the review results of online loans.

Extended information] 1. Online lending, P2P online lending is the abbreviation of online lending, including individual online lending and commercial online lending. P2P online lending refers to direct lending between individuals through Internet platforms. It is a subcategory within the internet finance industry.

The number of online lending platforms in China grew rapidly in 2012, with about 350 active platforms so far, and 3,054 as of the end of April 2015.

2. In September 2019, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Lending Risks jointly issued the Notice on Strengthening the Construction of the Credit Reporting System in the Field of P2P Online Lending to support the access of P2P online lending institutions to the credit reporting system.

3. The essence of Internet finance is still finance, and the characteristics of financial risks have not changed, such as concealment, contagion, extensiveness and suddenness. Strengthening the supervision of Internet finance is an inherent requirement for promoting the healthy development of Internet finance. At the same time, Internet finance is a new thing and an emerging format, and it is necessary to formulate moderately relaxed regulatory policies to leave room and space for Internet financial innovation.

Fourth, by encouraging innovation and strengthening mutual support in supervision, promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "lawful supervision, appropriate supervision, classified supervision, coordinated supervision, and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various business formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal and irregular behaviors.

5. Online lending includes individual online lending (i.e., P2P online lending) and online small loans. Individual online lending refers to direct lending between individuals through Internet platforms. Direct lending on individual online lending platforms falls within the scope of private lending, and is regulated by laws and regulations such as the Contract Law, the General Principles of the Civil Law, and the relevant judicial interpretations of the Supreme People's Court.

VI. Online microloans refer to the small loans provided to customers by Internet enterprises through the microfinance companies controlled by them using the Internet. Online microloans should comply with the existing regulatory regulations of microfinance companies, give full play to the advantages of online loans, and strive to reduce customer financing costs. The online lending business is supervised by the China Banking Regulatory Commission.

If all of a sudden all online loans are not granted, it may be because:

1.There was a problem with the customer's latest credit:

You must know that applying for an online loan requires customers to have good personal credit. If the customer's personal credit is not good, it will naturally be difficult to borrow.

Therefore, customers must pay attention to maintaining good personal credit, such as if there are outstanding loans or credit card bills in their name, they must remember to repay on time. In order to avoid being recorded in big data or credit information because of overdue behavior, resulting in going to apply for online loans later, being reviewed by the platform to have overdue records in big data or credit information, and then refusing to approve the loan.

2.The customer has multiple borrowings and excessive debts

It may be that the customer has already applied for a lot of loans, and has applied for loans in various lending institutions and platforms, and a large part of them have not yet been repaid, resulting in a personal debt ratio.

Higher. In this case, it is naturally difficult for the platform to approve the loan if you go to the online loan.

After all, the platform will review the situation that the customer has multiple loans and excessive debts, and it will naturally worry that the customer may not have enough repayment ability and the risk of overdue may be relatively large, so most of them will refuse to approve the loan. In this regard, it is best for customers to pay off part of the loan under their name first, and then apply for an online loan after reducing their personal debt ratio.

3.Customers have recently borrowed frequently:

It is possible that the customer has recently applied for too many loans in a short period of time, resulting in too many loan records left in the big data, making the big data very "spent", then if you immediately apply for an online loan, the platform will naturally suspect that the customer's economic life is unstable, and it is very likely to refuse to approve the loan. It is better for customers to postpone their application for a period of time.

Extended information: 1. What should I do if the online loan is not granted?

IOUs. You can learn about this product, which is a small credit loan with a low threshold, with a maximum amount of 200,000 yuan, which can be recycled, and the interest is calculated on a daily basis, and the system will give the amount according to the borrower's comprehensive qualification.

2. Zhaolian good term loan.

Zhaolian Financial. It is an institution approved by the China Banking Regulatory Commission (CBRC) to set up an institution with a low threshold for good term loans and easy to make payments, which is an easy-to-handle consumer loan.

The amount ranges from 500 yuan to 200,000 yuan, and the loan term can range from 3 to 36 installments.

If you can't repay the loan after borrowing money on the online loan platform, you can try to contact the customer service of the platform to negotiate and apply for an extension of the repayment period and repay the arrears in installments.

During the negotiation, explain the personal situation clearly, indicating that it is not intentionally overdue, but that it does not have the ability to repay, and can provide corresponding supporting materials, such as unemployment certificate, proof of termination of labor contract, etc., and then express your willingness to actively repay the loan, after the application is submitted, the platform will generally consider it as appropriate.

In addition, customers can also borrow money from friends and family to raise funds to pay off their debts. Be careful not to take out another loan to repay the loan, even if you withdraw your credit card limit. Once discovered, the system is likely to let the customer pay off the loan in advance, immediately terminate the loan contract, and freeze the credit card.

When repaying, you can also check whether the interest charged by the platform is compliant, if the interest rate is too high, then the customer can not pay back the fees beyond the reasonable range. The Supreme People's Court stipulates that the maximum annualized interest rate of online loans shall not exceed 4 times of the floating interest rate LPR.

The parties can actively negotiate and communicate with the lending platform to ask whether they can repay the loan in installments, and at the same time, the parties can also find suitable jobs to get paid and pay off the debt. In addition, if the online loan is overdue, there will be corresponding fees, and for the overdue fees, different online loan platforms have different names and different charging standards. If the loan is overdue on the online lending platform, it will be recorded in the credit information system of the People's Bank of China in the same way as the overdue bank loan and credit card, resulting in credit stains.

Article 675 of the Civil Code of the People's Republic of China provides that the borrower shall return the loan within the agreed time limit. Where there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may demand the borrower to return it within a reasonable period of time.

Article 510 of the Civil Code of the People's Republic of China After the contract takes effect, if the parties have not agreed on the quality, price or remuneration, place of performance, etc., or the agreement is not clear, it may be supplemented by agreement; If a supplementary agreement cannot be reached, it shall be determined in accordance with the relevant provisions of the contract or transaction customs.

How to deal with the money you owe online loans and can't pay them back:

First of all, you must let the other party know that the money will be repaid, and the voucher must be kept complete, and the repayment period of the loan amount, interest calculation and default consequences must be agreed;

If the repayment deadline has come and you have no money to repay, this is to negotiate the repayment time with the borrower;

Negotiate with the other party to pay off the debt in installments.

If you can't afford to pay off an online loan, the first thing that will affect you is that they will fight this collection**. People in your address book will be affected. Then, in the later stage, some formal platforms may carry out a lawsuit.

As long as it is not a loan shark, then find a way to repay part of it first, and negotiate with the other party for the remaining time to repay the money. Lai should not be able to rely on it, so he can only pay it back slowly.

……Of course, if the other party is a loan shark or malicious debt collection, you can call the police, regardless of whether he retaliates or not.

If the online loan is not repaid, it will lead to a bad personal credit record, which will affect your future loan application, and after the online loan institution is overdue, the staff of the institution will also collect on you, which will affect your personal life through ** and text messages. If the amount owed is large and the arrears are serious, the platform can resolve it through legal means. At the same time, during the overdue period, there will be a high penalty interest, which will cause you a burden.

1. How to solve the problem if the online loan is not repaid?

If you are really unable to repay your online loan, you can contact the platform staff in advance, express your willingness to repay, and promise the repayment date, negotiate the best repayment method with the other party, and do not directly refuse to repay.

2. What will be the impact on individuals if they do not repay the online loan?

Formal online lending institutions are connected to the credit information system, and when submitting a loan application, the user will also sign a loan contract with the platform, and when the user fails to repay the loan within the time limit, it will be reported to the credit information system, and if the user has serious overdue behavior, the platform can solve it through legal channels. You can check your current credit situation in "Xiaotian Quick Check" and find this WeChat mini program. Get rid of bad loan application habits and cover untrustworthy behaviors with new good payment records, so that when everyone encounters an economic crisis again, they will not have no way out and hit a wall again and again.

3. Collection will affect the lives of individuals and their families.

If the user refuses to answer, or has a bad attitude towards the collector, the collector will contact the user's colleagues or family members, which will seriously affect the lives of others.

To sum up, if you don't repay your online loan, you will actually have the greatest impact on yourself, because there will be a bad record in your personal credit report, which will affect your personal loan.

Therefore, when using a loan or credit card, you must repay it on time, and don't easily overdue, otherwise if you are overdue on the credit report, there will be a credit stain, and it will take five years to be able to "wash white" after paying off the arrears, and if you don't repay all the time, the credit stain will follow you for a lifetime.