What are the general consequences of those who do not repay their online loans?

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 if you choose a large platform for loans, you can ensure the security of funds and information, and you can use loans more confidently. It is recommended that you use the credit service brand of Youqianhua and Du Xiaoman Finance (formerly known as Youqianhua, renamed as "Youqianhua" in June 2018), which has the characteristics of simple application, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

The interest rate is the lowest, and the maximum amount can be 200,000 when you click on the test.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

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

The application is only supported by debit card, and the application card is also your borrowing 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.

1. Penalty interest and liquidated damages. If you don't repay the loan, then the first thing you will encounter is high interest and corresponding liquidated damages, if you don't want to get yourself into the loan quagmire, it is best to develop good repayment habits.

2. Credit will be damaged. Whether it is borrowed from the bank or the money from the online loan platform, if there is a phenomenon of overdue repayment, it will be much more difficult to apply for a credit card or loan in the future. Some people think that the overdue repayment of online loans has no impact on their credit reporting.

In fact, this idea is wrong, at this stage, there is a system of interconnection and encryption between the online loan platform and the central bank, and there will also be a shared "blacklist" system in the online loan platform, which can check your credit in minutes.

3.Because the borrower has authorized the online loan platform to obtain his call records and address book information. Therefore, once the borrower fails to repay the loan, in addition to being harassed, even the contacts in his address book and call history will not be spared.

4.Sued: If the borrower fails to repay the arrears for a long time, the online lending company may also send a lawyer's letter to the borrower and file a civil lawsuit with the local court, once the court accepts the lawsuit, the borrower's relevant assets may be frozen.

5. If the circumstances are serious, they will be imprisoned. Usually such incidents as non-repayment of borrowed money are civil disputes and do not rise to the level of criminal law. However, if the borrower refuses to enforce the law or has the ability to repay the loan, and insists on being a cheater, then the court can pursue the criminal liability of the borrower, and the circumstances are too serious, and the sentence will be imprisoned.

First of all, overdue online loans will also expose borrowers, their parents, relatives and friends to severe harassment by ** and text messages. Why do online lending platforms dare to lend you money? Do you have to fill in your own information when making an online loan, and authorize the online loan platform to obtain your address book and location in order to borrow money?

Therefore, once the online loan is overdue, the collectors of the online loan platform will use your to contact your parents, relatives and friends, blow up the address book, PS**carry out** and even door-to-door collection and other violent collection methods, so that your life is worse than death.

Secondly, although most online lending platforms have various violations of laws and regulations, some online lending platforms belong to companies with some formal licenses and qualifications, so they will also report their loan records and overdue records to the central bank for credit investigation, which is a more serious problem.

You must know that it is now a credit society, and the application of personal credit is still relatively extensive, buying a house and buying a car loan, children going to school or even settling in the city will check the credit report, once there is these bad information, it will affect yourself, so you must pay attention to which online loan platform is credit, which is not.

Finally, even if the online lending platform cuts the interest or charges for various reasons, the principal and legal interest borrowed by the borrower are still protected by law. Therefore, the online loan platform can sue the borrower for repayment through the court, and the court will also recognize it.

Therefore, if you receive a summons from the court, you must appear in court in time, and don't do it properly, otherwise if the court sentences you to repay the loan, but you have not repaid, then the online loan platform can apply for enforcement, not only will the bank card be frozen, but also become a dishonest person subject to execution, which is what we often call the old lai, and the impact is also very large.

In short, don't think too much about the impact of overdue online loans. A few days ago, various online lending platforms began to announce that they had been connected to the central bank's credit information, and borrowers need to always pay attention to the situation of the online loan platform they have borrowed and check their credit reports in a timely manner. It is best to contact the online loan platform in time to negotiate repayment is the best solution.

First, if the loan is overdue, the lender faces various collections. Banks or financial institutions have their own collection systems, and after the lender is overdue, the primary collection will send you a text message and call ** to collect. If you don't pay it back for a long time, the degree is more serious, and there will even be face-to-face collection by the collector, and the overdue person should be prepared, or should find a way to pay off the money as soon as possible, so as to solve it.

Second, the most direct consequence of not repaying the credit loan is high penalty interest, and you may also need to pay a certain amount of liquidated damages. Even the principal and interest add up to a lot of expenses, and the result of not repaying the loan on time is to increase the financial pressure even more.

Third, failure to repay within the time limit will affect the credit of individuals. If a lender borrows money from the bank and fails to repay it on time, his personal credit report will leave a bad credit record. If you want to apply for a credit card or loan in the future, it will be difficult and will be rejected most of them, which will cause a lot of trouble to your production and life.

You can find out your current credit situation in "Xiaotian Quick Check" and find this WeChat applet. 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.

Fourth, if the lender fails to repay the loan for a long time and the amount is relatively large, the lender may be sued by the financial institution. After the lawsuit is accepted and the court pronounces the judgment, the lender's assets may be seized. This is a "repayment award" that the lender must enforce, otherwise, the court will seize the property and other assets in your name according to the law, and use the auction proceeds to repay the arrears.

It will be on the credit report about 1-3 days after it is overdue. At present, all banks have different degrees of grace period for credit card repayment, as long as the repayment is made within the grace period, the overdue record will not be reported to the central bank, and it will not cause overdue.

Article 2 of the Regulations on the Administration of the Credit Reporting Industry.

"Credit reporting operations" as used in these Regulations refers to activities that collect, organize, store, and process the credit information of enterprises, public institutions, and other organizations (hereinafter collectively referred to as enterprises) and individuals, and provide them to information users. The provisions of Chapter 5 of these Regulations apply to the collection, sorting, preservation, processing, and provision of information in the Basic Financial Credit Information Databases established by the state. These Regulations do not apply to the collection, sorting, preservation, processing, and publication of enterprise and personal information conducted by state organs and organizations authorized by laws and regulations to administer public affairs in accordance with the provisions of laws, administrative regulations, and public affairs for the purpose of performing their duties.

It should be entered into the list of dishonesty, and the other party will go through legal procedures to recover it.

Then it is basically to restrict high consumption, and then the main thing is that no loans can be approved in the future.

Legal analysis: Online lending refers to direct lending between individuals and individuals through Internet platforms. For online loans, if they are overdue, the first thing they will encounter is to be collected; If the other party still refuses to repay the loan after repeated collections, the other party will file a lawsuit with the court.

The court may seize, freeze, transfer, or sell the property of the person subject to enforcement, and if the other party has the ability to repay the loan but refuses to enforce the court's judgment and ruling, it will violate the criminal law and constitute a crime. In addition, online loans are networked, including bank creditworthiness, and online loans may not be repaid.

Legal basis: Article 313 of the Criminal Law of the People's Republic of China: Where a people's court judgment or ruling is capable of being enforced but refuses to do so, and the circumstances are serious, a sentence of up to three years imprisonment, short-term detention or a fine is to be given; where the circumstances are especially serious, the sentence is between three and seven years imprisonment and a concurrent fine. Where a unit commits the crime in the preceding paragraph, the unit is to be fined, and the directly responsible managers and other directly responsible personnel are to be punished in accordance with the provisions of the preceding paragraph.

The consequences of non-repayment of online loans are: it is necessary to pay a certain amount of overdue interest according to the agreement or relevant national regulations, bear the corresponding liability for breach of contract, and may also face lawsuits filed by creditors, and may have an impact on the personal credit of the parties, which is not conducive to the parties to handle loans and other businesses in the future.

Legal basis] Article 676 of the Civil Code.

If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or the relevant provisions of the state.

Article 678.

The borrower can apply to the lender for an extension before the expiration of the repayment period; If the lender agrees, it can be extended.

Article 667.

A loan contract is a contract in which the borrower borrows money from the lender and returns the loan at maturity with interest.

Loans are a common phenomenon in life, and overdue loans will inevitably occur. For many borrowers, it's not that they don't want to repay the money, but that life is really difficult, resulting in overdue loans. After the loan is overdue, the borrower will encounter other situations besides being collected.

What are the most serious consequences of non-repayment of online loans? Attention those who are still in arrears!

What are the most serious consequences of non-repayment of online loans?

Generally speaking, for short-term loan overdue, the lending institution will treat it as non-malicious overdue, and as long as the lender immediately repays all the arrears, the lender will no longer be held accountable and will not be on the credit report. Different lenders classify the overdue time of loans, and each institution has a different grasp of the time.

For long-term overdue behavior, the lending institution will classify the loan overdue as malicious overdue, and the loan will be classified as "bad debt". At this time, the lending institution will take various ways to collect the arrears, such as door-to-door collection, collection at the company, and even take the debtor to court.

For bank loans, the bank can sue after 90 days of overdue, and the loan owed to the bank is a loan contract dispute, regardless of the amount, the bank can go to the court to sue for recovery. If the bank still refuses to perform after the court judgment, the bank may apply to the court for compulsory enforcement. For small loans, the loan is generally overdue for more than half a year and may face lawsuits.

It is recommended that when you sign the loan contract, you should check the corresponding terms of the contract, pay attention to the monthly repayment time and the monthly repayment amount, make the repayment clear and clear to yourself, and you can also write down the messy data in your mobile phone memo, and set a date reminder so that you will not forget. You also need to pay careful attention to the clauses in the contract regarding penalty interest to see how penalty interest is charged.

There are three consequences of borrowing online loans, namely:

1. The credit of the lender will be affected, and the lender himself will be recorded as overdue in the national personal credit consultation system. When a credit report is blacklisted, the lender may be restricted from traveling;

2. If you provide false information when borrowing, you may be deceived by the lending institution;

3. The lender will sue the lender to the court, and the court will freeze the deposits on all bank accounts of the lender.

1. What happens if you don't repay your mortgage on time?

What will happen if you buy a mobile phone with a mortgage.

will be sued, enforce the property, may affect the credit report, it is recommended to repay the loan in time.

There will be no consequences for the loan money:

If there is really no ability to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments;

If the lending institution fails to perform the court judgment within the performance period after winning the lawsuit, it will apply to the court for enforcement;

When the court accepts the enforcement, it will inquire about the real estate, vehicles, ** and deposits in the name of the lender in accordance with the law;

If the lender has no property in his name that can be enforced and refuses to perform the effective judgment of the court, negative information such as overdue repayment will be recorded in the individual's credit report, and he will be restricted from high consumption and entry and exit, and may even be subject to judicial detention;

Basically, there will be no impact, and you can repay the loan on time in the future.

2. What happens if the car loan is overdue for a week.

First of all, if it is overdue, it will have an impact on your credit according to the length of time, and the credit investigation is seriously overdue (more than 90 days), and the credit is a black account, and it is impossible to apply for any loan business before the overdue repayment, and secondly, the overdue will produce liquidated damages, overdue interest and other additional costs, and the last interest is greater than the principal for a long time is not new, please be cautious.

There will be no consequences for the loan money:

1. If there is really no ability to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments.

2. If the lending institution fails to perform the court judgment within the performance period after winning the lawsuit, it will apply to the court for enforcement.

3. When the court accepts the compulsory enforcement, it will inquire about the real estate, vehicles, ** and deposits in the name of the lender in accordance with the law.

4. If the lender has no property in his name that can be enforced and refuses to perform the effective judgment of the court, there will be negative information such as overdue repayment recorded in the individual's credit report and will be restricted from high consumption and entry and exit, and may even be subject to judicial detention.

3. There will be no consequences for taking out a loan of 20,000 yuan.

There will be no consequences for the loan money: if there is really no ability to repay, it should negotiate with the lending institution to extend the repayment period or repay it in installments; If the lending institution fails to perform the court judgment within the performance period after winning the lawsuit, it will apply to the court for enforcement; When the court accepts the enforcement, it will inquire about the real estate, vehicles, ** and deposits in the name of the lender in accordance with the law; If the lender has no property in his name that can be enforced and refuses to perform the effective judgment of the court, negative information such as overdue repayment will be recorded in the individual's credit report, and he will be restricted from high consumption and entry and exit, and may even be subject to judicial detention; Basically, there will be no impact, and you can repay the loan on time in the future.