What should I do if the online loan is overdue and cannot be repaid temporarily

1.Communicate well and don't refuse to answer.

Some people will not answer ** or even hack ** because it is uneasy or fearful in our nature, but this is actually a wrong approach. It's our fault that we are overdue, so we have to face it positively and don't be afraid. We don't want to be late.

Communicate well with each other and try to find reasonable solutions and ways to deal with them.

2.Priority is given to paying off online credit loans.

Most of the online loans of the nature of consumer finance are collected at the meeting. In order to avoid damage to our credit information, we can prioritize the repayment of loans for which credit information will be obtained. If you don't know your credit information, just search:

Dingyi data, click on the query, enter the information in this WeChat applet, you can find your own credit information of 100 banks. However, with the establishment of Baixing Credit, in the future, almost overdue online loans will affect personal credit. When borrowing money, you must pay attention to how much you can borrow.

Confess to your family.

Confess to your family and ask for their help. This is for people whose families have certain financial conditions. If the amount owed is not large, you can ask your family for help as soon as possible.

I feel shameless or afraid to confess. You have to know that this kind of thing can't be delayed, and eventually the snowball will get bigger and bigger. Don't wait until your parents can't afford it, then there's no way.

After the confession, negotiate with the platform to strive to repay only the principal or get a reduction. Basically, the platform will have various policies to achieve the purpose of relief.

In this case, don't panic, first let the other party know that we will pay back the money and keep the voucher intact. No matter what the relationship between the other person and us is, we have to write a debit note. If the amount is large, the two parties shall sign a loan contract, stipulating the loan amount, repayment period, interest calculation and consequences of default.

Give the other person a sense of trust and show that he is not refusing to pay back. If the repayment deadline is up and you don't have the money to repay, negotiate with the borrower to see if you can delay it for a while and give a written guarantee or text message. If you have money, you have to give it back to the other person and negotiate with the other party.

1. If it is temporarily unable to repay, the debtor may repay it in installments with the consent of the creditor or the ruling of the people's court. Where there is the ability to repay but refuses to repay, the people's court shall make a judgment to compel repayment. Online loans are divided into credit and non-credit information, and the priority of repayment is to repay credit loans.

Like people who owe credit cards, they negotiate fixed repayments with staff, making sure they will make the payments and documenting the entire process. When negotiating repayment with banks and loan companies, the other party will pick up ** to see him when he comes to you. Don't fail to answer ** or hide from others, otherwise the other party will call the police, be identified as a fraud, and really risk going to jail.

2. Some credit information has expired. As a result, everyone knows that they will not only be included in the list of "dishonest persons subject to execution", but also the house can be auctioned, Alipay, WeChat, etc. can also be frozen, and even airplanes and high-speed trains can't sit still, and their work and life are limited everywhere. At the end of the day, an online loan contract is an ordinary loan contract.

3. According to the general loan contract, the borrower is usually explicitly required to pay a certain amount of interest. If liquidated damages are arranged for the borrower, it will increase the pressure on the other party. However, in fact, online loans can stipulate liquidated damages, but it is stipulated that they cannot exceed four times the interest rate of the one-year loan market.

The requirement of four times is that the sum of the interest and liquidated damages agreed by the parties exceeds four times the interest rate of the one-year loan market**. If it is exceeded, it is an act of charging high interest in disguise.

Extended information: 1. According to the provisions of the contract on liquidated damages, if the parties propose that the liquidated damages agreed in the contract or the calculation standard is too high or too low, the people's court may suggest that the parties negotiate to adjust the liquidated damages. If the parties are unable to reach a new agreement through negotiation, the people's court may refer to the intermediate standard for liquidated damages in similar cases for verification, which mainly depends on the court's discretion.

Therefore, in an online loan contract, if the liquidated damages are too high, you can file a lawsuit with the court and require the other party to bear the litigation costs.

2. In fact, in order to avoid disputes arising from the performance of online loan contracts, it is recommended that it is best to negotiate with the other party in the event of such liquidated damages. The liquidated damages are too high. If you go to court to sue, the other party may take the risk of losing the case. Therefore, it can generally be resolved through negotiation.

1. Don't use loans to repay loans: Using loans to repay loans will make more and more debts, but it is also easy to make Xiaoqixincha's comprehensive score worse, increase the borrower's repayment pressure, and the risk of subsequent overdue is relatively large.

2. Evade collection: overdue collection is inevitable, collection can be received, each pick up three or four, remember to turn on the recording, don't say something unfavorable to yourself, such as what will not be repaid, show them that they are willing to repay, not malicious arrears, etc. If the collection affects normal life, you can call the police to protect your rights.

3. Sort out debts: Check your online loan comprehensive score, record the amount, repayment period, interest, etc. of each online loan, and then find the online loan platform one by one to negotiate. Do this regardless of whether the negotiation is successful or not.

During the negotiation process, provide some information that will be beneficial to you, such as proof of income, proof of poverty, etc.

4. Raise funds to repay as soon as possible: Regardless of whether the negotiation is successful or not, the repayment still needs to be repaid, because the longer the overdue time, the greater the arrears, and it is best to repay the loan as soon as possible. You can borrow money from your relatives and friends, or ask your parents and family for help with assets, too** or mortgage.

Online loan users can also check their credit qualifications by docking with third-party big data risk control platforms, such as Xiaoqi Xincha, Sesame Credit, etc., the former has established data cooperation with more than 98% of online lending institutions on the market, so its query results are very accurate. Intuitively, you can not only understand your own big data and credit situation, but also obtain various indicator data. The blacklist data of online loans is shared on most loan platforms, which means that if the borrower is overdue or owes money on one platform, such a bad record will also be disclosed on other loan platforms, so you must carefully maintain your online loan credit, otherwise when you encounter an economic crisis again, you will not be able to obtain online loan products with good personal credit.

1. The handling method of overdue online loan is as follows:

1) The parties can apply with the lending institution for a deferral of repayment;

2) If the two parties are unable to reach a negotiation on the extension, the parties can resolve it through mediation, arbitration, litigation, etc.;

3) If the interest rate given by the lending institution is four times higher than the one-year loan market interest rate at the time of the conclusion of the contract, the party concerned may apply for confirmation that the excess part is invalid.

2. Legal basis: Article 188 of the Civil Code of the People's Republic of China.

The statute of limitations for filing a request to a people's court for the protection of civil rights is three years. Where the law provides otherwise, follow those provisions.

The statute of limitations period is calculated from the date on which the right holder knows or should know that the right has been damaged, hail, cracked, and the obligor. Where the law provides otherwise, follow those provisions. However, where more than 20 years have elapsed since the date on which the rights were infringed, the people's courts will not grant protection, and where there are special circumstances, the people's courts may decide to extend the rights on the basis of the person's application.

Article 67 of Book 600.

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

According to the relevant laws of China, if the online loan is overdue and cannot be repaid temporarily, the borrower and the lender may negotiate an extension or installment repayment of the arrears, and if the loan is not repaid according to the extension or installment agreement, the creditor may apply for compulsory enforcement.

Legal basis: Article 678 of the Civil Code of the People's Republic of China The borrower may apply to the lender for an extension of the loan period before the expiration of the repayment period; If the lender agrees, it can be extended.

In recent years, there have been many online loan platforms on the market, and here are three formal and reliable credit loan products, namely Borrow, WeLoan, and Du Xiaoman Finance.

The borrowing in Alipay is a borrowing service for personal consumption. It is understood that the daily interest rate of borrowing is between, and the maximum amount that can be borrowed is 300,000 yuan.

WeLoan is an Internet microfinance product launched by WeBank, which has been launched on QQ and WeChat on mobile phones. The maximum amount of micro loan is 300,000 yuan, with interest calculated on a daily basis, and there is no penalty for early repayment.

Du Xiaoman Finance will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties, and its credit service brand has the money to spend to fully support the production and operation of small and micro enterprises. It is reported that seventy percent of the credit users of Du Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of yuan in loans to small and micro business owners.

These three big-brand loans all have the advantages of easy application, low interest rate and fast disbursement.

Summary. Hello, dear, I'm honored to answer for you! <>

If the online loan is overdue, it will not be repaid for the time being, and the processing method is 1You can negotiate with the other party to postpone the repayment, and you can write a loan to renew. 2.

Other property can be used as collateral to complete the repayment, and the loan can be repaid as soon as it is due, otherwise the other party can sue it. The creditor-debtor relationship formed between individuals is protected by law. If the debtor cannot be repaid due to the individual's own reasons, the other party can sue the people's court to require the individual to repay, and if the lawsuit is won and the deadline for repayment has not been repaid, the other party can apply to the court for compulsory enforcement.

However, if the interest rate agreed upon by the two parties exceeds four times the one-year loan market interest rate at the time of the conclusion of the contract, the court will not support the excess.

What should I do if the online loan is overdue and cannot be repaid temporarily

Overdue 15 dear, hello, I'm honored to answer for you! <>

If the online loan is overdue, it will not be repaid for the time being, and the processing method is 1You can negotiate with the other party to postpone the repayment, and you can write a loan to renew. 2.

The loan can be repaid as soon as it is due, otherwise the other party can sue it. The creditor-debtor relationship formed between individuals is protected by law. If the debt cannot be repaid due to the individual's own reasons, the other party can sue the people's court to require the individual to repay.

However, if the interest rate agreed upon by the two parties exceeds four times the one-year loan market interest rate at the time of the conclusion of the contract, the court will not support the excess.

There will be no penalty interest.

It's an online product. Penalty interest is negotiable.

If he has to charge interest, it depends on whether you accept it.

At present, many formal online loan platforms are retreating, and you can negotiate The success rate is still relatively high.

I just want to pay it back half a month late.

How long will you be sued if your online loan is overdue1, as long as the borrower is overdue, you can sue. 2. Generally speaking, you will be sued if your online loan is overdue for three months. 3. According to the relevant laws and regulations, the borrower shall repay the loan within the agreed time, otherwise it will constitute overdue, and if the borrower still does not repay the loan after reasonable reminders, the lender may file a civil lawsuit with the People's Court of Law.

Then the other party should agree.

You hit ** application process.

As long as you don't show that you don't want to, it's okay to say.

Dear, I'm glad to answer for you that the online loan is overdue for the time being, and the specific solutions are as follows: 1. Raise money to repay as soon as possible, because the more and longer it has been overdue, the more the arrears will roll over, and it is best to raise money to repay it as soon as possible. 2. You can try to take the initiative to contact the customer service of the loan platform for negotiation, inform the other party of your temporary lack of repayment ability, and provide corresponding supporting materials to show that you are not deliberately overdue, but are indeed unable to repay.

3. It is important to apply for an extension of the repayment period and repay the arrears in installments, indicating the willingness to actively repay. According to Article 678 of the Civil Code, the borrower may apply to the lender for an extension of the loan period before the expiration of the repayment period; If the lender agrees, it can be extended. If the borrower and the lender cannot repay the online loan after the deadline, the borrower and the lender may negotiate an extension or repay the arrears in installments, and if they reach a consensus through negotiation, they shall sign an extension repayment agreement.

4. A reliable guarantee can be provided to extend the repayment period, which can be any one or more of the guarantees, mortgages or pledges. 5. Check whether the interest fee charged by the loan platform is compliant, if the interest rate given by the lending institution is four times higher than the one-year loan market ** interest rate at the time of the conclusion of the contract, it is a loan shark, and you can apply to confirm that the excess part is invalid. 6. If the loan is sued for overdue, it should be actively responded to the lawsuit, and should actively respond to the lawsuit, strive to achieve the goal of installment repayment in court, and should also actively perform after the judgment takes effect.

And actively fulfill the court judgment and repayment obligations after the court judgment. If the judgment is not enforced, it may be enforced by the court. If there is no property to be enforced, and the people's court ascertains that the debtor is truly incapable of enforcement, it shall rule to suspend enforcement.