Because of the impact of the epidemic, I haven t repaid 20,000 yuan for half a year. What to do?

Is it a credit card repayment? If it is a credit card repayment, you can apply for installment payment, which not only reduces the pressure of repayment, but also does not affect the credit investigation. If the credit card is not repaid in time, it will affect the credit report. Problems with credit reporting will affect children's military and civil service examinations.

Is it a formal state-owned bank lending platform? If it's okay, the state has clear regulations to alleviate it, but the interest is charged normally, that is, it is not included in the credit system, if the private online loan platform, I don't know, it is reasonable for the state to implement the documents, it is afraid that the black platform will not play cards according to the routine, and the interest will be expensive, if so, I will not be ready to pay it back, or repay the principal.

The repayment period can be extended up to June 30. After this period, you can't extend it, you need to pay various fees, including loans, etc., and you have no money but to borrow, and there is no other way.

Now that the epidemic is basically under control, many industries have resumed production and will soon be on the right track. You can explain to the creditor that you can take a break, I think you can understand the special period.

The epidemic has affected the entire economy of the country, but the national policy has also been relaxed, can you make money with the street or sell something somewhere, only pay hard, and you don't have to worry about repaying the 20,000 yuan loan.

Although it is the epidemic period, you should try your best to raise funds, and now that most of them have returned to work, you can also find a way to put in some hard work and try to pay it back.

It seems that there is an epidemic and it has to be returned.

At least that's how the mortgage is.

Hurry up and figure out how to make money.

Your credit should be recorded.

Half a year is still seriously overdue.

This one should. Well, figure it out. Or is there any chance of détente? Go and follow. Negotiate generously to see how.

Legal analysis: 1. If you are temporarily unable to repay your debts, you can negotiate with creditors to repay in installments, postpone repayment or reduce debts.

2. If the other party does not agree to extend or reduce the debt, and wants to sue the debtor, then after the lawsuit, it is necessary to actively respond to the lawsuit and strive to achieve the purpose of repayment in installments or within a time limit in court.

3. If the other party does not agree to extend or reduce the debt, the court will not support it and will repay all the debts within a time limit. If the creditor is able to repay but refuses to pay, the creditor can apply for compulsory enforcement.

Legal basis: Article 675 of the Civil Code of the People's Republic of China The borrower shall return the loan within the agreed time limit. Where there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may demand the borrower to return it within a reasonable period of time.

During the epidemic period, if you have evidence to prove that you have no income**, you can negotiate with the bank in time to extend the repayment period, and if the overdue result occurs, you can ask the bank to temporarily not include it in the credit investigation dishonesty record.

Article 1 of the Notice on Further Strengthening Financial Support for the Prevention and Control of the Novel Coronavirus Pneumonia Epidemic stipulates that financial institutions should give appropriate preference to credit policies for persons who are hospitalized** or quarantined due to the infection of the novel pneumonia, persons who need to be quarantined for observation due to epidemic prevention and control, blind persons participating in epidemic prevention and control work, and people who have temporarily lost their income due to the impact of the epidemic, flexibly adjust the repayment arrangements for personal credit such as housing mortgages and credit cards, and reasonably postpone the repayment period. The guaranteed loan for personal entrepreneurship infected with the new pneumonia can be extended for one year and continue to enjoy financial subsidy support.

Financial institutions should give priority to customers who are infected with the new type of pneumonia or damaged by the epidemic, appropriately expand the scope of liability, and pay all the compensation.

What should I do if I get seriously ill and lose my ability to repay after taking out a bank loan?