Will the overdue repayment of the Bank of Beijing Financial Consumer Company enter the people s cred

Yes. More than one hour is considered overdue, so you generally have to pay one day in advance.

Beijing Bank Consumer Finance Co., Ltd. is a wholly-owned subsidiary established by Bank of Beijing with an independent capital injection of 300 million yuan, and was approved by the China Banking Regulatory Commission on January 6, 2010. The person in charge of the Bank of Beijing said at the press conference that the establishment of a consumer finance company is an innovative financial measure launched by China's regulatory authorities to expand domestic demand and maintain growth. Beiyin Consumer Finance Co., Ltd. officially started business on March 1, 2010.

This is the first consumer finance company to open in China. In the initial stage of operation, the company will mainly accept large-amount loans for consumer durables, and will gradually increase personal consumption loans for general purposes such as education, decoration, wedding, and tourism.

The loan amount of consumer finance companies shall not exceed 5 times of the monthly income, and the upper limit of the interest rate shall be 4 times the benchmark interest rate of the bank, but the consumer finance company does not include housing loans and car loans for the time being.

Beiyin Consumer Finance **** said that the company's personal consumption loans have the characteristics of fast approval and flexible service methods, and do not need to provide mortgages and guarantees, which can quickly and effectively meet the financial service needs of consumers. The main target customers served by the company are residents over the age of 20 who have a regular job and a stable income. Sponsors only need to fill out a simple application form, attach identification documents and proof of income, and obtain consumer financing on the spot after being approved by the credit review personnel of the consumer finance company.

Customers can choose to repay the loan in installments according to their own circumstances, and the repayment period shall not exceed three years. When repaying, the borrower only needs to deposit the current repayment amount into the debit card account of Bank of Beijing on time every month, and then repay the loan through the automatic repayment function of the debit card of Bank of Beijing.

Yes, the Bank of Beijing uses the money of the Bank of Beijing, which is equivalent to your bank loan, and you must repay the loan on time and don't damage the credit.

First of all, the bank will send people to ask you for a loan, which is a long period before you pay it off.

Secondly, if the bank sues, it is very likely to apply to the court to preserve your assets, such as real estate, cars, savings, etc.

Thirdly, if you are unable to repay the loan principal and the cost of collecting the loan after your assets are cleared, the bank may apply to enforce your salary income (which will deduct basic living expenses).

Fourth, unless you deliberately defraud or provide false information to make a loan, you will generally not go to jail.

Fifth, if you can't change the money within a certain period of time, you will be classified into the blacklist of the credit system, it is impossible to re-lend, and it is difficult to apply for a credit card.

However, a loan is a contractual act, please follow the rules and try to repay as much as possible Are you short of 500 dollars? Be cautious.

80% probability of not prosecuting.

Reason: The cost of using the law to collect a small loan like yours is very high, and he doesn't have the energy. The time for all aspects of the prosecution fee is very long, and I will compete with you for these thousands.

He will repeatedly beat you to collect, if it doesn't work, he will come to contact your family, your colleagues and leaders, if it doesn't work, they will go to the court to enforce your assets, but the possibility is very low.

Your loss: Relatively speaking, it is much smaller than the overdue bank loan, and you don't even think about taking out a loan in the bank for 5 years, including housing loans, car loans, and credit cards.

They belong to the consumer finance company, and your overdue information is not uploaded to the personal credit system of the People's Bank of China.

Therefore, it doesn't matter if you don't change it in a short time, just change it when it's due, and it's a big deal not to cooperate with them anymore!

The personal credit reporting system, also known as the consumer credit information system, mainly provides personal credit analysis products for consumer credit institutions. With the increase in customer requirements, the data of the personal credit reporting system is no longer limited to the traditional operation scope such as credit records, and the attention is gradually shifted to the business field of providing comprehensive social data services. The personal credit information system contains a wide range of accurate consumer information, which can solve the constraints of insufficient customer information on enterprise marketing, and help enterprises to contact their target customers in the most effective and economical way, so it has a very high market value, and the application of personal credit information system has also been extended to direct sales and retail and other fields.

In the United States, one-third of the profits of personal credit bureaus come from direct sales or database marketing, and personal credit reporting systems have been widely used in corporate marketing activities.

Specifically, personal credit information is divided into three components. The first part is basic personal information, the second part is credit information, and the third part is non-bank information. Basic personal information includes personal identity, spouse identity, residence information, occupation information, etc.; Credit information includes summary of bank credit credit information, summary of credit card quasi-credit card information, summary of loan information, summary of information on loan guarantee for others, etc.; Non-bank information refers to personal insurance and payment information, housing provident fund information, road maintenance fees, telecommunications user payments, etc.

Depending on the situation, the customer's personal declaration will also be included in the system information. This information does have the potential to influence an individual's borrowing behavior at the bank.

Of course, the loan will be on the credit report, you can go to the official website of the People's Bank of China to apply for an inquiry.

on personal consumption loans.

Basic conditions for the loan: The borrower is a natural person who has full capacity for civil conduct, resides in the local area, has a fixed residence, occupation, ability and willingness to repay principal and interest, and has passed the examination.

Purpose of the loan: It can be used for various household comprehensive consumption expenditures such as house decoration, car purchase, travel, study abroad, purchase of consumer goods or services, etc.

Loan amount: The loan amount is determined based on the borrower's basic conditions, repayment ability, credit status, guarantee situation, loan purpose, etc.; The maximum is not more than 10 million yuan.

Loan term: determined according to the actual situation of the borrower, the maximum is not more than 10 years (inclusive).

Loan interest rate: Implement the benchmark loan interest rate of the same grade for the same period announced by the Lhasa Central Branch of the People's Bank of China.

Loan guarantee: Credit, guarantee, mortgage, pledge, portfolio guarantee and other guarantee methods can be adopted.

Repayment method: If the loan term is less than one year (inclusive), the repayment method of monthly interest payment and one-time repayment of principal at maturity shall be adopted; If the loan term is more than one year, in principle, the repayment method of equal principal or equal principal and interest shall be adopted.

Personal home loans.

Basic conditions for the loan: The borrower is a natural person who has full capacity for civil conduct, resides in the local area, has a fixed residence, occupation, ability and willingness to repay principal and interest, and has passed the examination.

Purpose of the loan: It can be used to purchase housing or commercial property.

Loan term: The maximum term of the loan for the purchase of housing shall not exceed 30 years, and the maximum term of the loan for the purchase of commercial housing shall not exceed 10 years, and the age of the borrower plus the loan term shall not exceed 65 years old.

Loan interest rate: in accordance with the latest policy of the Bank.

Loan guarantee: Credit, guarantee, mortgage, pledge, portfolio guarantee and other guarantee methods can be adopted.

Repayment method: If the loan term is less than one year (inclusive), the repayment method of monthly interest payment and one-time repayment of principal at maturity shall be adopted; If the loan term is more than one year, the repayment method of equal principal or equal principal and interest shall be adopted.