In the end, there are no consequences if it is overdue, and what will be the consequences if it is o

It is advisable to repay the arrears as soon as possible, the longer the overdue time, the greater the impact.

1. Bear high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it's called overdue penalty interest, overdue management or other various names, the fees are very high. Therefore, if you have the ability to repay the loan on time, you should never overdue.

2. Bear the fancy collection of the platform.

Collection is generally divided into three stages: the first stage, just a few days overdue, the platform customer service mm softly and warmly reminds, telling you that you have been overdue, please repay on time; In the second stage, if it is overdue for a long time, the platform's customer service will seriously warn that it will face serious consequences if it is overdue; In the third stage, after a long time of overdue, the platform no longer persuades each other and begins to take practical action.

There are many kinds of practical actions, such as: the platform pushes your arrears information to your relatives and friends, so that you lose face in the circle of friends; The platform arranges special collection personnel to collect door-to-door, face-to-face communication and accounting. Of course, these are still relatively mild.

Some platforms outsource the collection and collect it by a specialized collection company, and the collection company that broke out some time ago is "violent collection", and I believe that borrowers are unwilling to encounter it.

Third, facing a national crisis of confidence.

At present, online lending platforms have established a blacklist system, and blacklist platforms have begun to communicate with each other. If you don't repay your loan on one platform, it will be difficult to borrow it on other platforms. In addition, online lending platforms will publicize the blacklist through their own WeChat, Weibo and other online channels, and even on large screens at railway stations and airports.

Let the people of the whole country know that these "old fools" borrow money and do not pay it back! Of course, except for those who owe money in bad faith, the average borrower will not go this far.

Fourth, the People's Bank of China's credit report produces stains.

At present, most online lending platforms have not yet been connected to the credit information system of the People's Bank of China, but access to the credit information of the People's Bank of China has become an inevitable trend. In the future, if the online loan platform fails to repay the loan overdue, it will be recorded in the credit information system of the People's Bank of China in the same way as bank loans and credit card overdue, resulting in credit stains. If the previous consequences are just disgrace, then the stain on the credit will affect the actual life, if you want to buy a house, you can't get a loan, you can't get a mortgage if you want to buy a car, and so on.

5. The defendant goes to court.

After the loan is overdue for a long time or deliberately does not repay, and the amount exceeds 2,000, it can already constitute a crime of fraud, and there is a risk of being sued by the online loan platform in court. Once the court rules in favor of the online lending platform, the borrower will have to pay the litigation costs and huge fines of both parties in addition to the amount that needs to be repaid, and even face jail time.

There are no consequences if the loan is overdue.

Generally speaking, overdue online loans will also have the following consequences: 1. Bear high overdue fees. 2. Bear the fancy collection of the platform. 3. Facing a national trust crisis and a stain on bank credit. 4. The defendant goes to court.

1. The consequences of failing to repay the money within the time limit are as follows:

1) Affect personal credit;

2) Being collected, threatened, and in a panic;

3) the defendant goes to court, or even goes to jail, and the child cannot go to school;

4) Individuals cannot purchase housing;

5) Affect daily life travel.

2. Legal basis: Article 667 of the Civil Code of the People's Republic of China.

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

Article 668.

The loan contract shall be in written form, unless otherwise agreed upon between natural persons.

The content of the loan contract generally includes the type of loan, currency, purpose, amount, interest rate, term and repayment method.

Article 671.

If the lender fails to provide the loan on the agreed date and amount, causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan on the agreed date and amount, it shall pay interest on the agreed date and amount.

2. What information is required to apply for a loan?

The details of the loan application are as follows:

1. Proof of identity, such as resident ID card, household registration book or other valid identity documents;

2. Proof of marital status, married persons should provide marriage certificates, and unmarried persons should provide unmarried certificates or sign unmarried declarations;

3. Proof of the borrower's assets, income and work;

4. Proof of the purpose of the loan.

1. The consequences of not paying back the money within the time limit.

1. If the repayment has not been made by the repayment date, if the IOU is issued.

stipulates the corresponding liability for breach of contract, such as: late payment fee.

The ultimate debtor may have to bear liquidated damages other than principal and interest.

2. If the creditor sues the court and the judgment makes you still not repay, it may affect the debtor's credit and be blacklisted.

3. Simple private lending.

Generally not enough to be criminally responsible.

However, if the debtor uses fictitious facts or conceals the truth for the purpose of illegal possession to defraud a large amount of public or private property, it may constitute the crime of fraud.

Investigated for criminal responsibility.

4. If the money is not repaid after the court has made a judgment, it may constitute a crime and constitute the crime of refusing to execute the judgment, and will be sentenced to fixed-term imprisonment of not more than three years, criminal detention or a fine.

1. The cardholder is a legitimate cardholder. If it is a misappropriation or fraudulent use of another person's credit card, it constitutes an act of misappropriation or fraudulent use of another person's credit card, but not a malicious overdraft.

2. The cardholder deliberately fails to repay. For the purpose of illegal possession, that is, the overdraft has clearly known that he is unable to return the overdraft before the overdraft, but still uses the card to consume or withdraw cash. Or it is the behavior of having the ability to repay but not wanting to repay at all after spending or withdrawing.

It is a subjective and conscious unwillingness to act. In the process of presumption of whether the perpetrator intended for illegal possession, it is necessary to distinguish whether the act is subjectively malicious and does not return, or whether the perpetrator cannot return it because there are reasonable objective factors. This is the key to distinguishing a malicious overdraft from a bona fide overdraft.

3. Malicious overdraft includes overdraft exceeding the specified overdraft limit, overdraft exceeding the specified period, and non-repayment after collection. The overdraft limit refers to the amount of short-term loans that can be used by cardholders as stipulated by each card-issuing bank. For the cardholder who has overdrafted, the card-issuing bank can collect the payment according to the repayment period, and if the cardholder automatically returns it without the bank's collection or returns it in a timely manner after collection, it will not be treated as a crime.

Legal Analysis: The consequences of non-repayment of loans when they are due are:

1. First of all, the loan will not produce a bad credit record, which will affect other credit business in the future.

2. The lending institution will charge penalty interest and liquidated damages for overdue, and the longer the overdue time, the more amount to be paid.

3. If the overdue time is long and the amount is large, you may also be sued by the lending institution. If the court still does not repay after the judgment, it will be included in the "list of judgment defaulters" and will not be allowed to take high-speed trains or planes.

Legal basis: Criminal Law of the People's Republic of China" Article 193:In any of the following circumstances, where a bank or other financial institution is defrauded of a loan for the purpose of illegal possession, and the amount is relatively large, a sentence of up to five years imprisonment or short-term detention is to be given, and a concurrent fine of between 20,000 and 200,000 RMB is to be given, where the amount is huge, or there are other serious circumstances, a sentence of between 5 and 10 years imprisonment is to be given, and a concurrent fine of between 50,000 and 500,000 RMB is to be given, where the amount is especially huge or there are other especially serious circumstances, A sentence of 10 or more years imprisonment or life imprisonment is to be given, and a concurrent fine of between 50,000 and 500,000 RMB or confiscation of property is to be given

1) Fabricating false reasons for the introduction of funds, projects, etc.; (2) Using false economic contracts; (3) Using false supporting documents; (4) Using false property rights certificates as collateral or repeatedly guaranteeing beyond the value of the collateral; (5) Using other methods to defraud loans.

Because it was the collector who called **.

Collection is generally a network virtual ** or a direct head office to contact to collect arrears. The traditional collection system is a labor-intensive industry, limited by time, place, weather and other factors, and the collection agencies have a limited scope of operation, coupled with the collection industry profits are declining year by year, in order to control costs, enterprises are more focused on collection, supplemented by door-to-door collection, insufficient pressure on the debtor, resulting in the collection rate is difficult to increase, and the formation of more and more bad debts.

The consequences of not repaying the loan all the time, the overdue record will always be retained in the credit report to form a credit stain, the lending institution will charge a large amount of overdue interest, and the overdue period will encounter collection that will affect daily life, and the credit will not be restored when the household will not be able to handle other credit Luzhen business, and relatives and friends may hear the collection**. The consequences of not repaying the loan all the time are very serious, and the user must repay the loan as soon as possible after the overdue, so as to reduce the negative impact of the overdue record.

If the loan is overdue, the consequences are:

1. The lender shall, in accordance with the agreement or relevant national regulations, pay overdue interest to the lender;

2. If the lender fails to repay the overdue arrears for a long time, it will be included in the list of dishonesty, and its credit report will be marked with records such as "bad credit";

3. If the situation is serious, they will also be investigated for criminal responsibility in accordance with the law.

[Legal basis].

Article 675 of the Civil Code of the People's Republic of China.

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 676.

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 677.

If the borrower returns the loan in advance, the interest shall be calculated according to the actual period of the loan, unless otherwise agreed by the parties.