If the online loan platform goes bankrupt, do I still have to repay the arrears?

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Hello, happy with your question. When the online loan platform went bankrupt, many people are more concerned about whether they need to repay the money, and the following is a detailed answer for you.

First of all, the borrower should take a look and understand the attributes of his online loan, and see if the loan he handles is on the credit investigation and has network data records, and what is the annual interest rate after the loan interest rate is calculated? Is there more than 24%?

Secondly, for online loans that are recorded in the credit investigation or network big data, the principal of your previous loan must be repaid, although it is more difficult to repay, you must also take the initiative to find a formal repayment channel, repay the loan, and make corresponding records, otherwise you will form a black account on the credit report in the future, which will affect many of your behaviors, such as the handling of bank loans, and even if it is serious, it will affect your high consumption, and you can't even do a high-speed rail. However, even if he does not have a credit report for this online loan, if there is a record in the network big data, it will not work, because when you go to the bank to handle the financial industry, the system will be sold out, which will still affect your financial behavior.

In addition, as for the interest part of the loan, after you calculate the interest rate of the same adult, the part of the interest that exceeds 24% does not need to be repaid, and it is not protected by law, so it has no impact on yourself, but the part within the annual interest rate of 24% must be repaid in full? In fact, it is not necessarily, you can go to the online loan platform to negotiate, under normal circumstances, in this case, in order to be able to quickly recover the principal, he will reduce your loan interest to a certain extent, and some even refer to the interest that does not require you, as long as you repay the principal.

If it is a high-reputation only which is a mountain cavity loan company, many people do not pay it back, and directly celebrate the code to be a laid-back, it is a serious harassment, bombing everyone in your address book, making you lose face and repay the money, verbal intimidation, fake lawyer documents, and all kinds of flying.

OK. The collapse of the platform shows that it is not legal in the first place. After many illegal platforms have collapsed, no one has paid back the money owed before.

The online goods platform is bankrupt, and the money owed cannot be repaid. It's just the platform that has collapsed, and the online goods company is still there, so they have to pay off the arrears.

If the online loan platform goes bankrupt, the money still has to be repaid, and if the money is not repaid, it will lead to overdue, and you need to bear the following consequences.

1. Leave a credit stain on the credit report.

Even if the loan platform goes bankrupt, it does not mean that the debt relationship will disappear, and failure to repay the money will affect the credit investigation and leave a stain.

2. Collected by the lending institution.

After the loan is overdue, in order to protect its own rights and interests, it will definitely contact the lender and urge the lender to repay the loan as soon as possible.

3. Overdue penalty interest.

After the overdue, there will also be overdue penalty interest, and the longer the overdue time, the more penalty interest will be generated, which will increase the debt pressure.

Therefore, even if the platform goes bankrupt, you also need to repay the loan in time according to the agreement, if you can't find the repayment entrance, you can try to contact the platform to consult the repayment method, of course, the formal loan platform will be filed with the local financial department, you can also contact the local relevant departments to consult the debt solution, and you must not overdue.

Nowadays, there are many online loan big data systems that can provide online loan record query, and important data information such as online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit estimate can be queried in "Baisan Data".

Extended Information: Why are many loan platforms not approved?

The reason why the loan platform cannot be passed.

Do not meet the loan age criteria.

Occupation is a college student.

Poor personal credit.

There is no stable job and income.

The personal debt ratio is too high.

There's something wrong with big data.

Unable to repay principal and interest.

There are cases of long lending.

If the above reasons occur, the user will not be able to pass the review of the loan platform.

Most loan platforms are reviewed by the system, and when users do not meet the loan conditions, they will be rejected soon after submitting the loan application.

The online lending platform has gone out of business, and the borrower needs to repay the loan. This is because these platforms misappropriated funds and operated non-compliantly, resulting in the inability to repay the loan, but the borrower had previously enjoyed the loan funds and had signed the relevant repayment agreement. Therefore, the borrower must fulfill the repayment obligation in accordance with the provisions of the repayment agreement.

For borrowers who want to know their credit status, they can use the "Beijian Quick Check" system to query their big data. The system can quickly query various big data, such as arrears records, loan applications, credit reports, etc., so that you can have a more comprehensive understanding of your credit status, so that you can make a repayment plan in advance and ensure that your credit is not affected.

To sum up, borrowers should fulfill their repayment obligations to ensure that they have a good credit history. For debtors who have applied too many times and are worried that their big data will affect car loans and housing loans, it is recommended to use inquiry systems such as "Beijian Quick Check" to fully understand their credit status.

Legal analysis: From a legal perspective, even if the platform disappears, the money owed must be repaid. If the platform borrowed by the borrower is a formal platform, an online contract will be signed when applying for a loan, which is protected by law.

In addition, the borrower's money does not come from the wind, but belongs to the investor and the lender. Civil entities engaging in civil activities shall follow the principle of creditworthiness, uphold honesty, and abide by their commitments.

Legal basis: Article 7 of the Civil Code of the People's Republic of China: Civil entities engaging in civil activities shall follow the principle of good faith, uphold honesty, and abide by their commitments. Article 545:A creditor may transfer all or part of the creditor's rights to a third party, except in any of the following circumstances, which may not be transferred according to the nature of the creditor's rights, as agreed by the parties, or in accordance with the provisions of law.

Where the parties agree that non-monetary claims may not be assigned, they must not be used against a bona fide third party. Where the parties agree that monetary claims may not be assigned, they must not be used against a third party. Article 546:Where a creditor assigns creditor's rights without notifying the debtor, the assignment shall not be effective against the debtor.

The notice of assignment of claims may not be revoked, except with the consent of the assignee.

The collapse of an online lending platform is a very troublesome thing for borrowers. According to the relevant legal provisions, the borrower is still required to fulfill the repayment obligation. If you default, in addition to affecting your credit, you may also be collected, sued or even enforced.

Therefore, even if the online lending platform fails, the borrower needs to continue to meet the repayment obligations.

The "Zhiyi Big Data" you mentioned is a platform that can check personal credit history, which is very useful for borrowers. Borrowers can keep abreast of their credit status and plan their financial plans by querying their online loan history, overdue details, liabilities, dishonesty information, and online loan blacklists. For online loans on credit reporting, once there is an overdue record, it will have a serious impact on the future handling of bank loans or credit cards.

Even if the online loan cannot be credited, the data can still be recorded. Therefore, don't take the problem of overdue online loans lightly, be sure to repay the loan in a timely manner, and maintain a good credit history. Hope.

After the borrower successfully borrows money on the platform, a loan agreement will be generated. As long as it is a real loan project of Xifeng, no matter what happens to the platform in the future, the borrower is obliged to continue to repay the principal and interest of the investor on time and in full in accordance with the loan agreement.

If the borrower fails to repay the loan within the time limit or wants to repay the debt, the investor has the right to take necessary legal measures to pursue the borrower's legal liability in accordance with the provisions of the loan contract. The loan agreement reached by the platform safeguards the vital interests of investors, has the legitimacy and validity granted by law, and will not be affected regardless of any changes in the platform.

Therefore, even if the online loan platform goes out of business, those who have signed a loan agreement with the platform must repay the money on time. If you don't repay the money, there will be serious consequences, and it is still a trivial matter to incur high interest due to overdue, and it is not good if you are burdened with legal responsibilities or affect personal credit reporting.

Many platforms seem to have gone out of business, but in fact, the platform itself has just changed its "shell" or sold to other investors. The debt relationship between you and the investor has not been dissolved, and the investor still has the right to recover the loan. In other words, although the online lending platform has collapsed, the debt relationship between borrowers borrowing from investors through the platform will not disappear.

Another point worth noting is that the failure of the online loan platform does not mean that you will not be able to report credit after the deadline. Although many online loans are not on credit now, there will be online loan credit databases and online loan credit blacklists, and once a bad record is left in these credit systems, it is very difficult to borrow on other platforms. However, if the platform goes bankrupt, some of the fees can not be repaid, and if the online loan platform goes bankrupt, then the online loan platform will not be able to continue to provide intermediary services, and some intermediary fees, service fees, excess interest, etc. will not have to be repaid if they exceed the statutory annualized rate of 24%.

1. There will be no consequences for borrowing money on Weibo.

1. Bear high overdue fees;

2. Undertake the fancy collection of the platform;

3. The credit of the People's Bank of China is stained.

If the loan of the online loan platform is overdue, it will be recorded in the air of the credit investigation system of the People's Bank of China like bank loans and credit card overdue, causing credit stains. The defendant goes to court. The borrower shall repay the loan within the agreed time limit.

If the term of the loan is not agreed upon or the agreement is not clear, the borrower may return it at any time in accordance with the provisions; The lender can urge the borrower to return it within a reasonable period of time.

2. What should I do if my online loan is overdue for many times?

1. Negotiate an extension with the platform that has expired, and use the delayed time to raise repayment funds.

2. Mortgage the assets on hand to repay the loan and reduce the credit and property losses caused by overdue.

3. If the online loan platform is connected to the credit information system of the central bank, the online loan will be reported to the credit information system after it is overdue, which will have an impact on the later housing loan and borrowing.

Civil Code of the People's Republic of China

Article 676:Where a borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.