The online loan is 15,000, and more than 17,000 are repaid, and the online loan company also asks me

Half of the platforms that can lend this amount are medium and large platforms, and the interest should not exist so much, unless you are overdue, and the period will incur overdue fees. But I want to tell you, according to national regulations, more than 36% of the interest is not recognized and protected by national law, so according to the number of installments you make on the platform, use your principal to calculate, you know how much you should repay, no matter how much you calculate now this interest is too high, normally all online loan platforms regardless of the size of the interest is higher than the national regulations, that is, all online loans are basically usury, but now if you don't want to pay back, according to what I just told you to calculate, Find out how much money you should actually repay in total, and then tell the other party that you can't afford it, you can only pay back the rest you calculated, and you can't afford to pay back the rest, you can tell the other party to pay it back, if it doesn't work, sue me, rest assured, the other party will definitely compromise. But the prerequisite, if the other party violently collects may call all your contacts in your address book and bring trouble to your life, you must be prepared for the online loan platform to do anything.

You can notify all your contacts in advance, and if you choose to do so, then explain it to everyone so as not to cause trouble to the other person, and you can let them say that they don't know you.

If it is a regular loan, it is necessary to submit a credit report. If it is a general loan company, it is also necessary to collect money everywhere, which will affect normal life and interpersonal relationships.

If the loan is applied by our bank, the overdue interest and overdue records will be recorded in the credit information system of the People's Bank of China, and if you apply for loan repayment or credit card and other businesses in the future, you need to review your credit status (for specific impact, you need to consult the loan handling outlets for confirmation); Therefore, it is recommended that you maintain a good repayment record.

Hello, first of all, if it is overdue, it will have an impact on your credit according to the length of the time, and the credit is seriously overdue (more than 90 days) credit is a black account, and it is impossible to apply for any loan business before the overdue repayment, and secondly, there will be liquidated damages, overdue interest and other additional costs, and it is not new for the last interest to be greater than the principal for a long time, please be cautious.

Summary. Dear, <>

Online loan 11000 needs to repay 13257 is not legal, the interest is too high, it belongs to usury, usury interest = loan amount * interest rate * term, this is the general calculation method of loan interest.

Is it legal to repay 13257 for online loan 11000.

Dear, <>

Online loan 11000 needs to be repaid 13257 is illegal, the interest is too high, it belongs to usury, usury interest = loan amount * interest rate * period bridge gap, this is the general calculation method of loan interest.

Pro, high deficiency Bi Li and loan is a financial term, refers to the loan that asks for a particularly high interest rate, and the self-owned funds of private intermediaries and individuals with legal income are private lending behaviors, such as loan disputes, which belong to the scope of civil adjustment.

According to the decision on amending the "Provisions on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases", it was adopted at the 1809th meeting of the Chundan Adjudication Committee of the Supreme People's Court on August 18, 2020, and came into force on August 20, 2020

Where the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except where the interest rate agreed upon by both parties exceeds four times the rate of pure interest in the one-year loan market at the time of the conclusion of the contract.

Summary. Hello dear<>

According to the relevant provisions of the Contract Law of the People's Republic of China, the borrower and the borrower need to clarify the loan amount, loan interest rate, repayment period and other relevant content when signing the loan contract. The online loan contract has specified that the loan amount is 11,000 yuan, and the borrower confirms the amount in the contract, then the borrower needs to repay the principal and interest on time according to the repayment plan agreed in the contract. Failure to repay on time may result in liability for breach of contract.

Is it legal to repay 13257 for online loan 11000.

Hello dear<>

According to the relevant provisions of the Contract Law of the People's Republic of China, the two parties need to clarify the loan amount, the interest rate of the loan delay, the repayment period and other relevant content when signing the loan contract. The online loan contract has specified that the loan amount is 11,000 yuan, and the borrower confirms the amount in the contract, then the borrower needs to repay the principal and interest on time according to the repayment plan agreed in the contract. Failure to repay on time may result in liability for breach of contract.

Legal basis: According to Article 14 of the Contract Law of the People's Republic of China, "a contract is a legal agreement, and the parties shall follow the principle of good faith and perform their obligations."

In addition, according to the 11th year old of the "Liangqiang Interest Rate Law of the People's Republic of China", "the interest rate agreed by the borrower and the lender shall not exceed the upper limit of the interest rate stipulated by the state." ......Interest shall not be charged in any form on the portion exceeding the interest rate cap. ”

1. Communicate with the platform first, explain your own situation, apply for interest reduction and extension of repayment time, and then repay every month.

2. At least this will not break the credit information, and once you go to the legal process, it will be difficult to move an inch after being convicted of being a laid-back.

3. Next, work hard and work hard to make money to pay off debts.

work hard to earn money; Confess to your family; Negotiate with the platform for an extension or interest rate reduction. There will always be a way out, I used to borrow money in Zhongxin play card to rely on these methods to repay, it's not a trick, but there is no other way to go, take one step at a time, I hope you go ashore as soon as possible! Don't forget to give me extra points

There is a low-interest installment to do it.

Generally speaking, these online loans are exploited by the loopholes of the law, there should be no illegality, the interest rate is too high, but you feel too lost, there is really no good way to do this, only to tell your parents truthfully, and try to do itFastThe longer it is repaid, the more it will be repaid, and the more it will suffer. If possible, find some legal aid agencies to help you sort it out and see if you can pay it back.

There will be no consequences for the loan money:

1. If there is really no ability to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments.

2. If the lending institution fails to perform the court judgment within the performance period after winning the lawsuit, it will apply to the court for enforcement.

3. When the court accepts the compulsory enforcement, it will inquire about the real estate, vehicles, ** and deposits in the name of the lender in accordance with the law.

4. If the lender has no property in his name that can be enforced and refuses to perform the effective judgment of the court, there will be negative information such as overdue repayment recorded in the individual's credit report and will be restricted from high consumption and entry and exit, and may even be subject to judicial detention.

If it is overdue, it can only be on the credit report, and it will be difficult to apply for a loan in the future.

If it is a loan from our bank, it is recommended that you raise funds to repay the loan as soon as possible; Overdue will generate bad credit records, which will affect your personal credit and future credit business; secondly, late repayment will incur interest and liquidated damages; Finally, long-term non-return may be a violation of criminal law, and we reserve the right to prosecute.

I owe thousands of dollars to the online loan, and I don't know how to pay it back, and I won't operate