If you don t repay your online loan, what will happen in the end?

Hello, it is convenient and easy to borrow money on the Du Xiaoman platform. Du Xiaoman's credit service products have money to spend, providing users with safe and convenient, unsecured and unsecured credit services.

The daily interest rate of the consumer loan is as low as the daily interest rate and the annualized interest rate is as low as the annual interest rate, which has the characteristics of simple application, low interest rate and fast lending, flexible borrowing and repayment, transparent interest and fees, 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 Duxiaoman APP-Youqianhua loan page. Hope this helps.

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.

Only need to go through: Xiaomu data. Users can query their own big data and credit status in the WeChat applet, and can 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 the online loan is not repaid, it will cause the following adverse consequences.

1. Penalty interest will be charged from the day of overdue until the arrears are fully paid.

The longer the overdue time, the more penalty interest will accumulate (note that the overdue penalty interest rate charged by some online loans will also rise compared with the normal borrowing interest rate).

2. The system will report the overdue situation to big data, and some online loans are connected to the central bank's credit information, so they will also report to the central bank's credit information, leaving bad records in it, resulting in personal credit damage.

3. If there is no response to sending text messages and calling **, the follow-up may arrange relevant personnel to come to the door to collect money, and may even file a lawsuit with the court.

4. Due to credit problems, Hongqin's follow-up credit business will be hindered, and it is difficult to successfully handle it in a short period of time.

Therefore, it is recommended that you must remember to repay the loan on time after borrowing, and never fail to repay it after the deadline.

Of course, if you can't afford to repay the interest fees charged by online loans because they are too high, you can choose not to repay the interest fees beyond the reasonable range.

If you don't know the situation of your own online black big data, you only need to search: balloon check, click to query, and enter information to query your own credit data. However, with the establishment of Baihang Credit, almost all overdue online loans will affect personal credit in the future, so everyone must pay attention to what they can when borrowing money.

Extended Information: What are the consequences if the online loan is overdue?

If the online loan is not repaid within the time limit, it will cause the following adverse consequences.

1. Penalty interest will be charged from the day of overdue until the arrears are fully paid, and the penalty interest rate charged by some platforms will be higher than the normal borrowing interest rate.

The longer you are overdue, the more pressure you will have to repay.

2. The platform will report the overdue situation to the big data or the central bank credit information, leaving bad records in it, resulting in damage to personal credit (overdue bad records generally have to be retained for at least five years after the arrears are paid off before they may be deleted).

3. The system freezes the loan amount, so that it is impossible to borrow again; And because of credit problems, borrowing from other financial institutions is likely to be hindered, and it may be difficult to successfully handle it in a short period of time.

4. Send text messages and call ** from time to time to collect money, if you have not paid back the money many times, some may arrange relevant personnel to come to the door to collect the money, and some may take legal measures to repay the loan as soon as possible by filing a lawsuit with the court.

If it is a regular online loan that is overdue and not repaid, it will definitely be recorded in the credit report and will be called, but if it is of some usury nature. Then you may be harassed a lot.

It is recommended to repay the arrears as soon as possible, and if it is seriously overdue, it will face: 1. Bear high overdue costs. 2. Bear the fancy collection of the platform.

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.

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.

If you do not repay the land, you may face sue from the online loan company, which will also affect your credit record, and you may also encounter harassment and debt collection from informal companies.

First you will be on the list of dishonesty, then you will be sued in court, in addition to restricting your spending, affecting your children and your own life.

Door-to-door debt collection, lawsuit, demand repayment within a time limit, and then become a liar.

Online loans, if you do not repay, or some people want to force ashore, then your relatives and friends are very likely to be harassed by collection agencies, which is an extremely undesirable behavior.

1. Bear high overdue fees.

2. Bear the fancy collection of the platform.

3. Personal credit reporting is stained.

4. If the defendant goes to court, those who refuse to execute the judgment will be enforced, and those who are serious will be sentenced.

1. What are the conditions that can be met before applying for compulsory enforcement if the online loan has not been repaid?

1. The legal instrument for applying for compulsory enforcement has taken effect.

2. The applicant for enforcement is the right holder or its heir or successor determined by the effective legal document.

3. The applicant for execution shall submit the application within the statutory time limit.

4. The obligor fails to perform its obligations within the time limit determined by the effective legal documents.

5. The legal document for application for enforcement has the content of payment, and the subject of enforcement and the person subject to enforcement are clear.

6. Apply to the people's court with jurisdiction for enforcement.

2. What are the mandatory procedures for non-repayment of online loans?

1. Review and file the case.

After receiving the application for enforcement and the relevant legal documents, the people's court shall examine whether the application for enforcement is lawful and appropriate, whether the relevant legal documents are complete, whether the content is clear, and whether the person subject to enforcement has the ability to enforce.

2. Notification of fulfillment.

When a people's court decides to enforce against an obligor, it shall first notify the obligor to automatically perform the statutory obligation within the prescribed time limit, otherwise it will be enforced.

3. Prepare for the implementation of the strong cherry blossom system.

Fill in the Enforcement Certificate; Determine the plans and scenarios to be enforced; Where assistance is needed in enforcement, the units and individuals with the obligation to assist shall be notified in writing.

4. Implement compulsory enforcement.

shall identify themselves, present their law enforcement credentials and the basis for enforcement; After the completion of enforcement, the organ applying for enforcement shall be notified in writing of the enforcement situation.

3. What are the circumstances under which the statute of limitations for online lending cannot be interrupted?

a) apply for arbitration;

2) an application for a payment order;

3) Applying for bankruptcy and declaring bankruptcy creditor's rights;

4) Applying for a declaration that the obligor has lost his or her spine or died in order to assert rights;

5) Applying for pre-litigation measures such as pre-litigation property preservation and pre-litigation temporary injunctions;

6) Application for compulsory enforcement;

7) Applying for additional parties or being notified to participate in the litigation;

8) asserting set-off in Li Jiao's lawsuit;

9) Other matters that have the same effect of interrupting the statute of limitations as initiating a lawsuit.

The consequences of non-repayment of online loans include high penalty interest and liquidated damages, credit damage, harassment by various means, and some will go to jail, but the probability is very small, when applying for online loans, you must first evaluate the loan platform, so as to avoid stepping on the pit.

First, there are no consequences for all kinds of online loans.

1) High penalty interest and liquidated damages.

If the debtor extends the time of the overshadowing period, the higher the specified interest will be, but no matter how high it is, it cannot exceed the legal scope stipulated by the laws of our country. If the loan is not repaid, the lender will also be required to pay the corresponding liquidated damages. Therefore, it is better to develop good repayment habits to avoid causing more problems in the future.

2) Impaired credit.

If the loan is not repaid, it will also affect their creditworthiness. Nowadays, many banks and online loan companies have adopted a shared system, if you take out a loan from a bank or online loan company and do not pay it back. Then it is possible that other online loan companies or banks will know that you owe the loan and do not repay it, and if you want to apply for a loan again later, it will be difficult or even possible that you will not be able to borrow money.

Because your credit has been damaged.

3) Being harassed by various means.

If the loan is not repaid, it is also possible to be harassed by the online loan company, and 24 hours of uninterrupted text messages to the lender or the lender's relatives and ** collection method is considered a relatively light behavior. Some online loan companies will outsource collection to professional companies that specialize in debt collection, and the collection methods of these professional debt collectors are varied, and sometimes even because of the "violent collection" behavior of the collection company, it will lead to the fragmentation of a family.

4) If the circumstances are serious, it will lead to imprisonment.

If the debtor resolutely refuses to perform the repayment obligation, he will be a recumbent and the circumstances are very heinous, the court will investigate the criminal responsibility of the debtor.

1. Collected.

After a small online loan is overdue, the first thing the borrower has to experience is to be collected. The collection methods used by the collectors of small online loans are often more aggressive, such as bombing, SMS threats, exploding the address book, contacting family members, door-to-door collection, etc., are all very likely.

If the overdue time is relatively long, the collection of small online loans will cause the pressure on the family's life to a certain extent, and may even affect the normal life of the individual and the family.

2. Penalty interest. Once the loan is overdue, the borrower's overdue bill will start to accrue penalty interest. The specific amount of penalty interest needs to be charged according to the contract.

Generally speaking, the penalty interest for overdue is relatively high. Add to that the loan principal and interest that already need to be repaid, and the pressure on borrowers will only increase.

3. Personal credit is damaged.

After the loan is overdue, the borrower's credit report will have the stain of overdue loan. A bad credit history can be severe in the borrower's daily life, and applying for any credit facility will be restricted. If it is serious, it will be sued to the court, and if it is included in the "list of dishonest judgment defaulters", then it will be more troublesome to travel by plane and high-speed rail in the future.

Internet black, generally refers to users who do not repay on time, or have bad behaviors, it is easy to be included in the network black, to judge whether they are network black, you can check it in: Erbai data 2, you can view it, and you can find this WeChat applet.