Won t you go to jail for online loans?

Online loans are generally economic disputes that belong to private lending, and are usually handled as civil cases, not criminal cases, and usually will not be imprisoned. After all, the loan platform also knows that if the borrower is arrested and imprisoned, there is no income**, and there are no assets to enforce in his name, even if he applies for enforcement, he will not get the money back.

So it usually won't block the borrower's back road, at least the borrower doesn't go to jail or has a little income, and it's better to repay slowly than not all the time. However, borrowers should not be lucky, there are many impacts on online loans if they don't have money and don't go to jail, and if you have money, you still have to pay it off as soon as possible, don't be willful and not repay.

1. If the amount of arrears is relatively large and the overdue time is long, if the money is not returned through ordinary means such as ** and SMS collection, the loan platform is likely to sue for repayment. Now the litigation costs are relatively low, and the summary procedure for prosecution below 10,000 yuan only costs 25 yuan for litigation fees.

2. The borrower can not appear in court if he is sued, but he will still be judged in absentia, and in addition to paying off the arrears, he will also have to bear the litigation costs incurred. There is really no money to repay, and it does not prevent the loan platform from applying for enforcement, once it is enforced, it is a lifelong thing, and when it will be paid off and when it will be executed.

3. The borrower's credit investigation and blue ice big data will also have court enforcement records, even if they do not become a cheater, but there will be enforcement records will be insulated from the credit business, and there will be no financial institution to handle the credit business, even the most basic credit card can not be handled, let alone want to borrow money.

Being sued if you can't afford to repay an online loan generally doesn't lead to jail time, because even if the loan platform sues the customer to the court, the non-payment of the arrears is a civil dispute and does not involve a criminal case.

However, after the court accepts the judgment, the customer must repay the arrears in a timely manner in accordance with the court's judgment. If the loan is not repaid after the court judgment, the court may enforce it, freezing the bank card in the customer's name, seizing the funds for auction, and then using the proceeds to pay off the arrears; The court will even include clients with serious circumstances in the list of judgment defaulters.

And you need to pay attention to the fact that because litigation often takes a lot of time and energy, the loan will not be sued easily, unless the amount owed is too large, the overdue time is too long, and the customer has not responded after many contacts, then in order to recover the money, certain legal measures will be taken.

However, some loan platforms themselves are not very formal, and even the interest charged is too high, which is not reasonable, and naturally they will not sue customers, but it is estimated that they will deliberately use the banner of prosecution to urge customers to repay as soon as possible. If a customer finds that the interest on a loan borrowed online is in violation of regulations, he can actually report it to the platform in turn.

Borrowing an online loan is not a civil case and does not involve a criminal offense, so you will not go to jail. However, if the online loan is not repaid and the effective judgment is not enforced, the online lending platform may apply to the court for compulsory enforcement. If the debtor has the ability to perform the judgment but refuses to enforce it, the situation will constitute the crime of refusing to enforce the judgment.

In addition, if the debtor does not have malicious fraud in borrowing money, he may also be found guilty of fraud.

Article 313 of the Criminal Law of the People's Republic of China: Where a people's court has the ability to enforce a judgment or ruling but refuses to do so, and the circumstances are serious, a sentence of up to three years imprisonment, short-term detention or a fine is to be given; where the circumstances are especially serious, the sentence is between three and seven years imprisonment and a concurrent fine.

Where a unit commits the crime in the preceding paragraph, the unit is to be fined, and the directly responsible managers and other directly responsible personnel are to be punished in accordance with the provisions of the preceding paragraph.

Online lending is a private loan, which constitutes a civil dispute and will not constitute criminal liability, so it will not go to jail.

Hello cheats! If you choose an online loan voluntarily, and the circumstances are egregious and the amount is large, and you deliberately do not repay it, the regular online loan company will sue you, and the court will make a judgment according to the actual situation of the investigation.

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.

The consequences of overdue online loans are as follows: Legal online loans, if they still do not repay after repeated collections by the unit after the overdue date, they will be prosecuted and included in the list of dishonest persons subject to execution after the judgment, and the larger amount may also be suspected of the "loan fraud" of Fu Xinmo in the criminal offense, which has a great impact, and will not only be restricted from consumption, but also imprisoned.

Legal basis. Article 193 of the Criminal Law Crime of loan fraud: In any of the following circumstances, whoever defrauds a bank or other financial institution of a loan for the purpose of illegal possession, and the amount is relatively large, is to be sentenced to up to five years imprisonment or short-term detention of a person who is confessed to the world, and a concurrent fine of between 20,000 and 200,000 RMB; where the amount is huge or there are other serious circumstances, a sentence of between 5 and 10 years imprisonment and a concurrent fine of between 50,000 and 500,000 RMB is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or indefinite imprisonment is to be given, and a concurrent fine of between 50,000 and 500,000 RMB or confiscation of property is to be given

1) Fabricating false reasons for the introduction of funds, projects, etc.; (2) Using false economic contracts; (3) Using false supporting documents; (4) Using false property rights certificates as collateral or repeatedly guaranteeing beyond the value of the collateral; (5) Using other methods to defraud loans.

Summary. Hello, dear, I am very happy to answer for you. If you don't repay your online loan, you will generally not go to jail!

Non-performance of a debt does not in itself result in imprisonment, but criminal liability is involved if the debt cannot be fulfilled due to a violation of the law, such as fraud, embezzlement, etc. It needs to be judged according to the behavior of the parties and the provisions of the law. In addition, non-performance of debts can affect an individual's credit history and credit rating, which in turn affects an individual's borrowing and credit activities.

Therefore, it is recommended to comply with relevant laws and regulations and repay the loan on time.

Hello, very bad selling, happy to answer for you. If you don't repay your online loan, you will generally not go to jail! Non-performance of debts does not in itself lead to imprisonment, but criminal liability is involved if the debt cannot be fulfilled due to violations of the law, such as fraud, embezzlement, etc.

It needs to be judged according to the behavior of the parties and the provisions of the law. In addition, non-performance of debts can affect an individual's credit history and credit rating, which in turn will affect an individual's borrowing and credit activities. Therefore, it is recommended to comply with relevant laws and regulations and repay the loan on time.

Extended information: Under normal circumstances, if you can't repay an online loan, you only need to bear civil liability and will not go to jail. However, where a crime is constituted in specific circumstances, where a bank or other financial institution obtains a loan by fraudulent means, causing major losses to the bank or other financial institution or has other serious circumstances, or defrauding a bank or other financial institution of a loan for the purpose of concealing illegal possession, and the amount is relatively large, it constitutes the crime of loan fraud, and it is necessary to bear criminal responsibility and will be imprisoned.

You tell me the details, and I'll analyze it for you! <>

Under normal circumstances, if you can't repay an online loan, you only need to bear civil liability and will not go to jail. However, where a crime is constituted under specific circumstances, where a loan from a bank or other financial institution is obtained by fraudulent means, causing major losses to the bank or other financial institution or there are other serious circumstances, and the loan is defrauded of a bank or other financial institution for the purpose of illegal possession, and the amount is relatively large, it constitutes the crime of loan fraud, and criminal responsibility is required and imprisonment is required.

The impact of overdue online loans

1. Bear high overdue fees.

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.

2. Bear the fancy collection of the platform.

Collection is generally divided into three stages:

1) In the first stage, just a few days after the deadline, the platform customer service warmly reminds you that it is overdue, please repay on time;

2) In the second stage, if the deadline is overdue for a long time, the platform's customer service will seriously warn and threaten to face serious consequences if it is overdue;

3) In the third stage, after a long time overdue, the platform no longer persuades each other and begins to take practical action.

There are many kinds of practical actions, such as: the platform pushes your arrears information to your relatives and friends, so that you lose face in the circle of friends; The platform arranges special collection personnel to collect door-to-door, face-to-face communication and accounting. Of course, these are still relatively mild.

Some platforms outsource the collection and collect it by a specialized collection company, and the collection company that broke out some time ago is "violent collection", and I believe that borrowers are unwilling to encounter it.

3. Credit reporting produces stains.

1) 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.

2) 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 the bank loan and credit card overdue, resulting in credit stains.

3) 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.

Summary. <>

Hello dear! If you can't repay the online loan, you just need to bear civil liability, and you won't go to jail. However, if a crime is constituted under specific circumstances, where a loan from a bank or other financial institution is obtained by fraudulent means, causing major losses to the bank or other financial institution or there are other serious circumstances, and the loan is defrauded of a bank or other financial institution for the purpose of illegal possession, and the amount is relatively large, it constitutes the crime of loan fraud, and criminal responsibility is required and imprisonment is required.

Dear, this is the legal basis I have compiled for you: Article 313 of the Criminal Law of the People's Republic of China Refuses to enforce a judgment or ruling of a people's court if it has the ability to enforce it, and the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, short-term detention or a fine.

Won't you go to jail for online loans?

Hello dear! If you can't repay the online loan, you just need to bear civil liability, and you won't go to jail. However, if a crime is constituted in a specific situation, a person obtains a loan from a bank or other financial institution by fraudulent means, causes major losses to the bank or other financial institution or has other serious circumstances, and defrauds a bank or other financial institution of a loan for the purpose of illegal possession, and the amount is relatively large, it constitutes the crime of loan fraud and needs to bear criminal responsibility and will be imprisoned.

Dear, this is the legal basis I have compiled for you: Article 313 of the Criminal Law of the People's Republic of China Refuses to enforce a judgment or ruling of a people's court if it has the ability to enforce it, and the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, short-term detention or a fine.

Hello dear! How much is it?