What should I do if I find an advance to pay interest on a monthly basis and repay the principal in

1. The bank will take certain collection measures, and at the time of the initial notice, if the loan is indeed not repaid, you can explain your actual situation to the bank and try to apply for extension, which depends on the regulations of different banks;

Note: Rollover will be regarded as negative information in the credit report, indicating that you have a certain problem with your ability to repay, but it is still better than overdue.

2. If it is overdue for more than 90 days, the circumstances are serious and can be regarded as malicious overdue, and the bank's collection may also cause pressure on yourself and your family, affecting the normal life of individuals and families;

3. In terms of overdue charges, there will be some expenses such as liquidated damages, penalty interest, etc., which need to be collected according to the contract, and different institutions and different loan products will charge different liquidated damages or penalty interest;

4. It has an impact on personal credit records, and bad credit records have become a hindrance to future mortgages, car loans and other loans, as well as credit card processing;

5. If you are sued to the court because the loan cannot be repaid, and you still fail to repay the loan after the execution of the court judgment, you can report to the Supreme People's Court and enter it into the "List of Judgment Defaulters", also known as the "Lai Lai List", and you will be prohibited from traveling by plane or high-speed train.

Who are you looking for? Discuss it with someone. Let's see if you can pay in installments, such as paying it off next year, and then give some interest, I don't know how you are now?

How much money do you make each month? By next year every month. Can I pay back the instalments?

It will collect from you first, and if you don't pay it back, it will sue you and enter the credit blacklist.

If this happens, it will have a great impact on personal credit.

If you really have no ability to repay, you should negotiate with the lending institution to extend the repayment period or repay the loan in installments. If the lending institution fails to comply with the court judgment within the performance period after the lawsuit is won by the court, it will apply to the court for enforcement. When the court accepts the enforcement, it will inquire about the real estate, vehicles, ** and deposits in the name of the lender in accordance with the law.

If the lender does not have any property in his name that can be enforced and refuses to comply with the effective judgment of the court, he or she may have negative information such as late repayment recorded in the individual's credit report, and may be restricted from high consumption and entry and exit, and may even be subject to judicial detention.

Legal basis: Article 201 of the Contract Law Liability for Loan Default.

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.

Article 209 Extension of loans.

The borrower can apply to the lender for an extension before the repayment period expires. If the lender agrees, it can be extended.

The macro factors that affect the development of personal finance are as follows:

1) Political, legal and policy environment: fiscal policy, monetary policy, income distribution policy, tax policy, etc. The impact of macroeconomic policies on investment and financial management is comprehensive, complex and comprehensive.

Because of the different ways in which they work, various macroeconomic policies are usually used in conjunction with each other to achieve the goal of macroeconomic regulation as a whole. The overall direction and trend of macroeconomic regulation and control determine the strategic choice of individual and family investment and financial management. Exams help you succeed.

2) Economic environment: the stage of economic development, including the traditional economic society; the preparatory phase before the economy takes off; economic take-off stage; Towards the stage of economic maturity; Mass consumption stage. Countries that fall into the first three stages are called developing countries, while countries that are in the last two stages of development are called developed countries.

The level of income of the consumer. Macroeconomic conditions: economic growth rate and business cycle; inflation rate; Employment; Balance of Payments and Exchange Rates;

3) Social environment: socio-cultural environment; Social system environment: endowment insurance system, medical insurance system, other social security systems; Demographic environment.

4) Technical environment: computer information technology and network technology.

The micro factors that affect the development of personal finance are as follows:

1) The degree of competition in the financial market: when the market demand is relatively stable, the more financial institutions that provide similar products, the faster the business innovation and the more advanced the marketing methods of the competitors, the greater the pressure on commercial banks to develop personal finance business. Accountant.com is here to help.

2) The degree of openness of the financial market: An open financial market provides the necessary conditions for the continuous innovation of the personal finance business of commercial banks. At the same time, the increase in the openness of the market has put forward higher requirements for commercial banks to manage the risks of personal financial management business.

3) The best mechanism of the financial market: a series of ** indicators in the financial market have an important impact on the pricing of wealth management products, especially the level of interest rates. Interest rates include statutory interest rates and market interest rates, and market interest rates are a true reflection of the borrowing costs of market funds.

Pay attention to distinguish between nominal interest rates and real interest rates, and only under the premise that the price level remains unchanged, can different nominal interest rates truly reflect the difference in the level of real rate of return obtained by investors investing in wealth management products.

Personal financial management is based on the analysis and collation of personal income, assets, liabilities and other data, according to the risk bias and tolerance of individual personnel, combined with the predetermined goals of the use of savings, insurance, foreign exchange, collection, housing investment and other means to manage assets and liabilities, reasonable arrangement of funds, so as to maximize the value of assets within the acceptable range of each person's risk. Therefore, personal finance in the modern sense is different from simple savings or investment, it not only includes the accumulation of wealth, but also includes the protection and arrangement of wealth. The core of wealth protection is the management and control of risks, that is, when there is an accident in one's life and health, or there are major adverse changes in the economic environment in which the individual is located, such as hyperinflation, a sharp reduction in the exchange rate, etc., the living standards of oneself and one's family will not be seriously affected.

Ordinary people, that is, want to use the few money in their hands to get a few interest with the help of bank savings, or participate in the repurchase of treasury bonds, the interest rate is slightly higher, and then participate in the trust and wealth management guaranteed by the bank, but it seems that the threshold is high (minimum deposit of 50,000). It's also a good idea to buy Treasury bonds. If your money can be kept untouched for a long time, it can be called money, then you invest in long-term Treasury bonds.

It's better to set your own term, let's say 3 years, then you can buy some every month according to the national government bond issuance plan. After a long time, it is best to form a rolling cycle state, so after persisting for 3 years, what you enjoy is a higher interest rate per month. The key to financial management is to plan and use funds reasonably to maximize the effectiveness of limited funds.

1.Reduce debt.

Don't work for a bank in an era of high interest rates. Reducing debt means reducing cash outflows, which helps to stabilize the mindset and help to cope with various turmoil in the family and society, and avoid a significant reduction in the quality of life. Don't forget that borrowing in times of economic crisis can lead to negative equity.

2.Increase cash holdings.

Cash is king. Although there is a high possibility of currency depreciation in the event of an economic crisis, the pace of long-term appreciation of the RMB will not change, and increasing the amount of cash can help reduce the various risks brought about by investment and financial management in economic turmoil, help improve psychological expectations, and stabilize the quality of life.

3.Scale back consumption.

You should hold your wallet tightly in a hard time.

4.Monetize assets.

Take profit and stop loss at the right time. The first is to prevent the further deterioration of the economic situation and the sharp depreciation of assets and wealth (such as investment and speculative real estate), and the second is to lay the foundation for actively participating in more and better investment and financial opportunities when the economy declines to the bottom in the future and begins to pick up.

5.Be cautious about your investments.

The definition of risk is uncertainty. Investing blindly in times of economic turmoil can end up losing even your pants. In times of economic crisis, opportunities do exist, but reducing losses is always more important than trying to make money.

6.Transfer of Assets.

A gentleman does not stand under a dangerous wall. Assets should be shifted from high-risk, high-bubble assets such as real estate, corporate equity, and private equity to conservative and defensive asset transfers, such as medium and long-term antique collectibles investment, short-term treasury bonds, ***** investment, etc., but we should also be cautious and pay attention to the timing at the same time.

7.Don't speculate.

Impulsiveness is the devil. Against the backdrop of the economic crisis, every opportunity in the market and speculative markets can be a trap. Don't fantasize that you're one of the lucky ones who can make money.

8.Reduce job hopping.

Stability is more important than anything else. In the event of an economic crisis, a large number of unemployed people are inevitable, and in fact, no company has a hard time in the macro context. Rather than stepping into a new company that you are not familiar with, it is better to stick to your post and share the joys and sorrows with your existing boss, of course, the premise is that the existing company can survive the crisis, and if it is not a good job, then do not hesitate to leave as soon as possible.

9.Sit tight.

Be prepared for danger in times of peace and watch the overall situation. Wait patiently for the situation to improve, wait patiently for the good days to return, and patiently wait for the best investment opportunity to come. Mindset is the most important thing, take a long-term view. Those who do not seek a lifetime are not enough to seek a moment; Those who do not seek the overall situation are not enough to seek a domain.

To buy treasury bonds or principal-protected wealth management such as large certificates of deposit, you must endure the test of currency depreciation. Then wait patiently, wait for a place of chicken feathers, and when you go out of the house chicken feathers can be seen everywhere, you can have a plan to pick up chicken feathers, if you really want to start picking, don't care about the book, you have to look at the color and cherishment of chicken feathers from a distance, and then keep the liquidity and wait patiently.

(1) Macroeconomic conditions: economic cycle, business cycle, price index, inflation, employment status, etc.;

2) Macroeconomic policy: national monetary policy, fiscal policy and its changing trend, etc.

3) Financial market: money market and its development, capital market and its development, insurance market and its development, foreign exchange market and its development, financial regulation, etc.;

4) Individual tax system: laws, regulations, policies and their changing trends;

5) Social security system: the national basic pension system and its development trend, the national enterprise annuity system and its development trend, etc.

6) The country's education, housing, medical care, and other systems that affect the financial arrangements of individual families and the direction of their reforms.

This can also be regarded as an economic category, that is, an investment discipline recommended by personal investment.

It's economics...

It belongs to the economic category. That's how it should be.

Whether it's economics or management, it seems to be both.

Aya Personal Finance is personal finance.