Is it legal to ask to buy guarantee insurance after PICC credit loan?

It's a pit, it's not overdue, and it's violently collected just on the repayment date.

If you ask to buy guarantee insurance after PICC credit brings money, it depends on how your loan contract is agreed, if there is such an adjustment, you need to buy this guarantee insurance.

Legal Analysis: PICC Loans are Legal. PICC Loan is PICC Loan Insurance, which is a loan insurance under PICC, mainly to solve the problem of capital turnover for users, PICC Loan can be used for daily life consumption and production and operation turnover, and insurance loan insurance can quickly obtain 2-300,000 credit loans from banks.

Legal basis: Article 11 of the Interim Measures of the People's Republic of China for Personal Loans An application for a personal loan shall meet the following conditions:

1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or a foreign natural person who complies with the relevant provisions of the State;

2) The purpose of the loan is clear and legitimate;

3) The amount, term and currency of the loan application are reasonable;

4) The borrower has the willingness and ability to repay;

5) The borrower has a good credit status and no major bad credit records;

6) Other conditions required by the lender.

Legal analysis: 1. If you deliberately default on non-repayment, it is recommended that you immediately raise funds to repay the bank loan, otherwise the bank will dispose of the assets in your and your spouse's name through litigation, such as real estate, **, etc., and may also include you in the blacklist, affecting your credit report record, and may also restrict you from taking high-speed rail, airplanes and other high consumption. 2. If you only have temporary capital turnover, you can apply to the bank for an extension or borrow new money to repay the old after repaying the arrears, which can temporarily relieve your capital turnover pressure.

3. If you have temporarily lost the ability to repay, you can negotiate with the bank and reach a settlement agreement to formulate a repayment plan by installments to repay the principal and interest of the loan you owe in installments, so as to avoid the bank from disposing of the assets in your and your spouse's name. 4. If you have completely lost the ability to repay, you can reach a settlement agreement with the bank, and you or the bank will help you dispose of the assets in your name to repay the loan, so as to save litigation costs and asset disposal costs.

Legal basis: Article 119 of the Civil Procedure Law of the People's Republic of China Article 119 A lawsuit must meet the following conditions:

1) The plaintiff is a citizen, legal person, or other organization that has a direct interest in the case;

2) There is a clear defendant;

3) There are specific litigation claims, facts, and reasons;

4) It is within the scope of civil litigation accepted by the people's court and the jurisdiction of the people's court receiving the lawsuit.

Article 152:The judgment shall clearly state the outcome of the judgment and the reasons for making the judgment. The judgment reads:

1) The cause of action, litigation claims, and facts and reasons for the dispute;

2) The facts and reasons ascertained in the judgment, and the applicable laws and reasons;

3) the burden of judgment results and litigation costs;

d) the period of appeal and the court of appeal. The judgment is to be signed by the adjudicators and clerks, and the seal of the people's court is to be affixed.

Chinese People's Insurance. You can apply for a loan with a policy, provided that the following conditions are met:

1.The policy has been in force for more than 6 months.

2.Has a certain cash value.

3.The collapse insurance has not been overpaid in the past two years.

4.The lender's capital group with Yuanxin has a good investigation, and there is no malicious fraud and overdue record.

5.The lender has a stable job income**.

6.Other conditions imposed by the Bank.

PICC is not a loan shark. PICC Loan is a loan guarantee insurance product for residents of unsecured loan business, as long as the insurance is successful, the policyholder can apply for a small loan issued by the PICC cooperative bank.

Credit insurance and loan guarantee insurance can provide credit enhancement services for small and micro business owners and individual businesses, and can also provide protection for small and micro business owners and individual businesses to obtain loans, giving full play to the credit enhancement function of insurance.

Legal analysis: PICC loans should be actively responded to when sued. People's courts applying the ordinary procedures shall conclude trial within 6 months of the date on which the case is filed.

Where there are special circumstances that require an extension, it may be extended for six months with the approval of the president of the court for the fictional draft; and where an extension is still necessary, it is to be reported to the people's court at the level above for approval.

Legal basis: Article 14 of the Civil Procedure Law of the People's Republic of China.

People's courts applying the ordinary procedures shall conclude trial within 6 months of the date on which the case is filed. Where there are special circumstances that require an extension, it may be extended for six months with the approval of the president of that court; and where an extension is still necessary, it is to be reported to the people's court at the level above for approval.

Analysis of the law of law: according to the relevant laws and regulations of China's Shimin, if the interest agreed in the loan contract exceeds the interest rate stipulated by the state, or the loan contract is invalid or the borrower may have a major misunderstanding, the borrower can file a lawsuit with the people's court on this basis to protect its legitimate rights and interests; If the evidence is sufficient and true, the borrower can generally get the support of the people's court.

Legal basis: Article 680 of the Civil Code of the People's Republic of China prohibits usurious lending, and the interest rate of the loan shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed to have no interest.

If the loan contract is not clear about the payment of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined in accordance with factors such as the local area or the parties' transaction methods, trading habits, and market interest rates; Where natural persons borrow money between themselves, it is deemed that there is no interest.

It is recommended to apply for a loan through formal channels: for example, the definition of online quick loan refers to a small consumer loan issued by the Agricultural Bank of China in cash to the individual customers of the Agricultural Bank of China who meet certain conditions, and the customer applies for it by itself, arrives at the account quickly, approves it automatically, and uses it by himself. Application Condition (1) Basic Condition 1

Be at least 18 years old and not more than 60 years old, have the nationality of the People's Republic of China, and have full capacity for civil conduct. 2.Possess a valid legal ID.

3.E-banking customers of our bank and holding a security authentication tool issued by our bank. (Currently, only second-generation K-treasure customers are supported) 4

Good credit profile, 5There is no unexpired loan amount and no outstanding balance of the loan. 6.

Stable income and ability to repay credit on time. 7.The purpose of the loan is reasonable and clear.

The loan amount for applying for a network quick loan is 3,000 yuan to 300,000 yuan; The loan limit is valid for 30 days, and the borrower needs to use the loan within the validity period of the loan.

PICC loans, Everbright loans, and the use of loans from financial institutions to usury are violations of laws and regulations, and you can go to the CBIRC to complain. But it didn't work, both companies are state-owned enterprises. If you owe them money, you owe the state money, and you often hear about how much and how much the bank has been fined for its violations.

It's all superficial articles. Do it for us little people to see, unless you have a set of evidence that you can prosecute.

He is a state-owned enterprise, that is, the state allows him to lend usury, and the law is useless for them.

I borrow 78000

The insurance premium is more than 1,300 per month, and the loan is 36 installments, and the insurance premium alone costs 47,000 yuan, not counting the interest

I hope that everyone will report to the relevant state departments that the PICC loan is a pure usury wolf in sheep's clothing.

I've also used it for six months I haven't read the details before I read it a few days ago I don't understand I hit the bank ** and asked the bank staff that I don't know I asked the insurance and said that they bought the insurance I used my insurance and business license to do it for 36 months and I had to give them more than 40,000 I was speechless Who cares about this kind of illegal If you don't pay it back, it's not a black account.

PICC is the first under the banner of returning to the enterprise. A black society in the cloak of legality.

It seems that there are many people who have been deceived by the loan guarantee, so everyone has made an appointment to sue them.

Mine was also asked how high it was at the time, and they said it wouldn't count.

Pure loan sharks, don't be deceived! 40,000 + for 10,000+

PICC loan is a disguised usury, how can I report it.