The online loan is overdue, what should I do?

Hello, formal loans are linked to personal credit information, when applying for a loan, you should check the credit situation, if there is overdue repayment, it will have a negative impact on personal credit, it is recommended that you take out a loan within your means, repay on time and maintain credit.

Nowadays, there are so many loan platforms, and it is recommended to choose a large platform to ensure the security of funds and information. It is recommended to use Youqian Hua, the original name of Youqian Hua is "Youqian Hua", which is a credit brand of Du Xiaoman Finance, which provides users with safe and convenient, unsecured and unsecured credit services

It has the characteristics of simple application, low interest rate and fast loan, flexible borrowing and repayment, transparent interest rate and strong security.

Share with you the application requirements for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, due to objective reasons such as the timeliness of the content, if the content is inconsistent with the actual interest calculation method of the Qianhua product, it shall be displayed on the page of Du Xiaoman Financial APP-Youqianhua Loan. Hope this helps.

First of all, stop borrowing money again, search various data platforms through WeChat, such as cloud data, check your overdue records, and sort out your arrears to see which arrears are legal and which arrears are beyond the interest stipulated by the law; Which platforms are formal, and which platforms are actually engaged in illegal activities under the banner of formal operation, such as indiscriminate collection of interest and violent collection, etc. When encountering such a platform, you must not blindly repay the money, and it is recommended that you can complain and report or find the local mutual finance association, industrial and commercial bureau, etc., to clarify the truth of the illegal operation of the online loan platform.

Secondly, you should find a job that suits you, don't be afraid of hardship, try to find a job with a higher salary, although you can't blindly repay the money, but the money that should be repaid still has to be repaid, if you don't pay it back, it will have a bad impact on yourself. So, find a job, work hard to make money, and wait until you make enough money, and then negotiate with the platform to pay off the arrears in one go.

Finally, confess to your family. Some people don't dare to confess because of face problems, but you have to know that even if you don't confess, your family and friends will know the fact that you owe money, after all, once the collector intervenes, it is not only you who will be harassed, but also your contacts and friends. So, take the initiative to confess to your family, maybe when they know that you owe a huge amount of money, they will beat you and scold you, or even cut off relations with you, but in the end they will help you as long as they have the ability, and with the help of your family, it will be less difficult to go ashore.

Everyone should remember that once you go ashore, you should never touch the online loan again and start a new life.

First of all, it is recommended that you try not to overdue, as there will be bad records and overdue fees.

Secondly, you can borrow a little from a friend to repay it first, and the friend's money can be repaid when you have money.

Finally, if you have other borrowing needs, it is good to borrow in You, and it is good to make a lot of money.

Borrow for you to answer, hope.

Return it as soon as possible. I didn't even know I had a loan overdue that day, and I found out at 100% that I was overdue. Dude, let's go back this morning. The interest rate is getting higher and higher.

How can I avoid being collected if my online loan is overdue?

1. Put down the seeds.

After the online loan is overdue, the reason why the borrower does not dare to let the family know is because he is afraid that the family will blame him, and at the same time, he is afraid that his relatives and friends will know that he will not be able to save face. In fact, it has reached this point where the mountains and rivers are exhausted, what can you take into account that you don't have to face? Put down your face first, put it on the ground and rub it, and tell yourself that now that you have no face, you must confess.

2. Find out why.

Find out why you are borrowing so many online loans? Why did you find yourself in such a situation? What did you do with all this money?

If you take all this money and squander it somewhere else, slap yourself hard and tell yourself never to do such a stupid thing again. If the money is used to do business and the turnover of funds is lost, at least it means that you are still a self-motivated person, summarize the reasons for the failure of the business, and start all over again.

3. Prepare for the worst.

What would be the worst outcome after you confessed? How do you deal with it? As parents, there will be a calf protection psychology, they are afraid of the child frightened, often borrow money to help the child pay off the online loan, if you meet such parents, it is a blessing from eight lifetimes, remember to go ashore, never touch the online loan again, even if there is no money to sleep on the street, you must not touch.

If your parents have a bad temper and beat you up and scold you, don't think about it, at least let your parents be mentally prepared when they face harassment by collectors, at least they won't be so angry that they fall over.

4. You have to rely on yourself when you go ashore.

Confessing is just to make yourself feel more relaxed, and if you want to go ashore, you have to rely on yourself. Calm down and analyze, get a credit report on the cloud check data and the like, and find out what online loans you owe at present? Which ones are on the credit report?

Which ones are not on the credit report? What can be delayed, slowed down? What is outside the statutory interest rate?

Do it in your heart, discuss the online loan of the money that is on the credit investigation and are eager to repay the money, and see if you can repay the loan in installments? Calculate how much you're going to pay back each month and work hard to make money! There is only one goal every month, and that is to pay back the monthly payment, stick to it for a year or two, and you will successfully go ashore.

If you owe money to someone and can't afford to pay it back now, I suggest you find a creditor as soon as possible to negotiate.

Your best words are to take the initiative and contact the creditor as soon as possible to inform them that it is not that you do not want to pay back, but that it is indeed because you are short of money and cannot afford it. Then discuss with the other party to see if you can agree on a compromise installment amount or period.

If you are sued and the court has now ruled that you are required to repay the money, and then you are temporarily unable to repay, you can apply to the court for instalments.

Because according to the law, for those who have the ability to repay but refuse to repay the arrears, the people's court will make a judgment to compel repayment, and if you are judged not to repay the debt, the court will enforce it when the time comes, and you will also have to repay. If it is enforced, it will not be returned, and your side will be on the credit report.

Ask what to do in this situation.

The best way to answer you is to take the initiative and contact the creditor as soon as possible, and inform them that it is not that you do not want to pay back, but that it is indeed because you are short of money and cannot pay it yet. Then discuss with the other party to see if you can agree on a compromise installment amount or period.

If you are sued and the court has now ruled that you are required to repay the money, and then you are temporarily unable to repay, you can apply to the court for instalments.

The question is because I have changed jobs, the capital turnover cannot be opened, and I have to overdue the deadline, and the online loan platform has a threatening tone.

You go and talk to them first.

Otherwise, you'll be prosecuted.

If it is a loan from our bank, if you have consumption, please repay the loan on time and in full before the due date. First of all, overdue will generate bad credit history, which will affect your personal credit and future credit business; secondly, late repayment will incur interest and liquidated damages; Finally, long-term non-return may be a violation of criminal law, and we reserve the right to prosecute.

Just like a credit card, you will receive a ** notice to repay.

First, sort out your loan details. Distinguish between formal and informal, formal priority repayment, and informal first delay.

Second, find a bank loan, the bank's interest is the lowest, and your future repayment pressure is also the smallest. As for the irregular ones, if you have the money to pay it back, you don't have the money to forget it.

You can open it, drill down into the data, and look up your loan details.

Enter the information to query their own credit data, which comes from more than 2,000 online loan platforms and UnionPay centers across the country, users can query their own big data and credit status, can obtain various indicators, and query their own personal credit situation.

Online loan overdue can start from the following aspects:

1. Pay off the arrears as soon as possible.

After the online loan is overdue, you must pay off the arrears as soon as possible, because the interest rate of many online loans is relatively high, and once overdue, you may incur high overdue fees. Moreover, some online loan products are on credit or cooperate with Sesame Credit, so overdue will affect personal credit. Therefore, after the overdue date, those who have the ability to repay should repay the loan as soon as possible to avoid affecting personal credit or incurring high penalty interest.

2. Find friends and family.

If you can't repay it after the deadline, you can choose to borrow money from friends and relatives to solve your urgent needs, after all, the cost of overdue online loans is higher than borrowing from friends.

3. Collect evidence.

If an online loan is overdue and is subject to illegal collection, or is intimidated, it is necessary to collect evidence and report it to the relevant departments if necessary.

As we all know, personal credit is equivalent to everyone's credit pass today, which records the past credit behavior of each of us, and these behaviors will affect our future economic activities. Especially because the online loan is overdue on the credit report, and the bad credit record is left on the credit report, whether it is a car loan or a housing loan in the future, or a credit card, it may be rejected.

It only needs to be passed: Kingfisher data. Users can query their own big data and credit status, obtain various index data, query their personal credit situation, blacklist situation, online loan application records, application platform type, online loan credit line estimate and other important data information.

In short, the consequences of overdue online loans on credit are more serious, so if the borrowed online loan is on the credit report, then you must repay the loan on time, don't easily overdue, otherwise if it is overdue on the credit report, there will be a credit stain, and it will take five years to be able to "launder" after paying off the arrears, and if you don't repay the loan, the credit stain will follow you for a lifetime.

If it's a loan shark, you can discuss it with them.

Pay less, or call the police.

It's not a loan shark, hurry up and repay it.

If the online loan is overdue during the epidemic, the borrower can apply for a deferral of repayment.

Article 180 of the Civil Code stipulates that a person who is unable to perform a civil obligation due to force majeure shall not bear civil liability. Where the law provides otherwise, follow those provisions.

Force majeure is an objective circumstance that cannot be foreseen, avoided and overcome.

Article 590 stipulates that if one of the parties is unable to perform the contract due to force majeure, it shall be exempted from liability in part or in whole according to the impact of force majeure, unless otherwise provided by law. If the contract cannot be performed due to force majeure, the other party shall be notified in a timely manner to mitigate the losses that may be caused to the other party, and proof shall be provided within a reasonable period of time.

If force majeure occurs after the party delays performance, it shall not be exempted from liability for breach of contract.

1. What are the statutory exemptions from liability for breach of contract?

The statutory exemption from liability for breach of contract is force majeure.

According to Article 180 of the Civil Code, a person who is unable to perform a civil obligation due to force majeure shall not bear civil liability. Where the law provides otherwise, follow those provisions.

Force majeure is an objective circumstance that cannot be foreseen, avoided and overcome.

Article 590 stipulates that if one of the parties is unable to perform the contract due to force majeure, it shall be exempted from liability in part or in whole according to the impact of force majeure, unless otherwise provided by law. If the contract cannot be performed due to force majeure, the other party shall be notified in a timely manner to mitigate the losses that may be caused to the other party, and proof shall be provided within a reasonable period of time.

If force majeure occurs after the party delays performance, it shall not be exempted from liability for breach of contract.

2. What behaviors can be exempted from liability for late delivery, legal provisions.

If one of the parties is unable to perform the contract due to force majeure, it shall be exempted from liability in part or in whole according to the impact of force majeure, except as otherwise provided by law. If the contract cannot be performed due to force majeure, the other party shall be notified in a timely manner to mitigate the losses that may be caused to the other party, and proof shall be provided within a reasonable period of time. If force majeure occurs after the party delays performance, it shall not be exempted from liability for breach of contract.

Article 180 of the Civil Code.

Where civil obligations cannot be performed due to force majeure, civil liability shall not be borne. Where the law has other provisions on pure file fields, follow those provisions.

Force majeure is an objective circumstance that cannot be foreseen, avoided and overcome.

Article 590.

If one of the parties is unable to perform the contract due to force majeure, it shall be exempted from liability in part or in whole according to the impact of force majeure, except as otherwise provided by law. If the contract cannot be performed due to force majeure, the other party shall be notified in a timely manner to mitigate the losses that may be caused to the other party, and proof shall be provided within a reasonable period of time.

If force majeure occurs after the party delays performance, it shall not be exempted from liability for breach of contract.