Do I need to repay the loan if the online loan is unsuccessful? Do I need to repay the online loan N

Hello, there are many platforms that can provide online loan business, and it is recommended that you choose a regular platform, so that your personal information and property are safe and secure. It is recommended that you use Youqian Hua, which is a credit service brand under Du Xiaoman Finance (formerly known as: Youqian Hua, renamed as "Youqian Hua" in June 2018), a big brand with reliable and low interest rates.

Youqian Hua has launched a consumer credit product for individuals, with a maximum loan amount of 200,000 yuan (click on the official amount, the daily interest rate is as low as the start, and it has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, please borrow reasonably according to your needs, and the specific product-related information is subject to the actual page of Youqianhua's official app. I hope this is helpful to you, click below on the mobile phone to measure the amount immediately! The maximum borrowing amount is 200,000.

1. Confess to your family and seek help from your family. This is for people who have certain financial conditions in the family, if the amount owed is not large, you can seek help from your family as soon as possible, don't feel good face or dare not confess, you must know that this kind of thing can't be delayed, the more the snowball will roll more and more in the end, don't wait until the end even your parents can't afford it, then there is no way at all. After confessing, negotiate with the platform to strive to repay only the principal or obtain a reduction, basically the platform will have various policies to achieve the purpose of reduction.

2. Get a credit report on WeChat such as Qingqing Data, sort out your debts, and calculate how much you owe. If you don't owe much and your credit is not bad, you can apply for a regular large loan for installments, pay off all the small loans, and still negotiate with the platform for reduction and exemption in the process of repayment. If you choose to do this, then you must ensure that this large loan can pay off all the small loans, otherwise you must not borrow.

In addition, you must choose this solution if you have a regular income, and your income can repay this large loan every month. Otherwise, doing so will only aggravate your debt and make you sink deeper.

3. In fact, the borrowers who want to go ashore are basically people who can't borrow money, because the platforms that can borrow have already borrowed, and they really can't borrow money, and there is no way to help repay the loan, so they are looking forward to going ashore. So is there any possibility that these people will go ashore? Yes.

This is also the fastest way, which is to force the landing. What is forced disembarkation? It's all the loans that you choose not to repay, don't care about your face at this time, and don't struggle to support yourself for fear of being exposed to your address book, think about it, with your current state, isn't it a matter of time before your address book is exploded?

It's just that the timing is different, and the result is the same. Therefore, if you choose to be forced earlier, you can go ashore earlier, or you can get out as soon as possible.

If the online loan is not successfully borrowed, there is no need to repay, only if you borrow successfully, will you incur fees, which is the only need to repay.

Since the loan did not work out. That means you didn't get the loan. If you don't get a loan, you definitely don't need to make repayments.

I'm not successful, and of course I don't need to repay it.

Legal analysis: Online loans need to be repaid, and high interest can be repaid. It is natural to repay debts, whether it is a private person or a platform, as long as you borrow money, you have to repay it.

The legal consequence of non-repayment of online loans is to bear overdue interest, credit investigation will be affected, and the platform will bear fancy collection. If you do not repay the loan after the collection of the online loan platform, or if you deliberately do not repay the loan after the online loan, the amount exceeds 3,000, it can already constitute a crime of fraud and there is a risk of being sued by the online loan platform in court. Once the court rules in favor of the online lending platform, the borrower will have to pay the litigation costs and huge fines of both parties in addition to the amount that needs to be repaid, and even face jail time.

If the court orders the borrower to repay the loan, and the borrower refuses to enforce the loan or has the ability to fail to repay, and insists on being a liar, then the court can also pursue the criminal liability of the borrower. However, if the interest rate of an online loan is similar to that of a loan shark, the high interest can be repaid.

Legal basis: Interpretation of the Supreme People's Court and Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Law in Handling Criminal Cases of Fraud》 Article 1: Where public or private property is defrauded with a value of 3,000 to 10,000 RMB, 30,000 to 100,000 RMB, or 500,000 RMB, it shall be respectively found to be "a relatively large amount", "a huge amount", or "an especially huge amount" as provided for in Criminal Law article 266.

Criminal Law of the People's Republic of China》 Article 266:Where public or private property is defrauded, and the amount is relatively large, a sentence of up to three years imprisonment, short-term detention or controlled release is to be given, and/or a fine; where the amount is huge or there are other serious circumstances, a sentence of between 3 and 10 years imprisonment and a concurrent fine 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 or confiscation of property. Where this Law provides otherwise, follow those provisions.

Derivative question: What are the criteria for filing a fraud case?

The criteria for filing a case for the crime of fraud are:1The perpetrator committed an act of fraud; 2.

The perpetrator's fraudulent conduct satisfies the requirement of "a relatively large amount" (the amount is generally 3,000 to 10,000 yuan or more). The crime of fraud refers to the use of deceptive methods for the purpose of illegal possession to cause the other party to have a misunderstanding and make the disposition of property that the perpetrator wants, and to defraud a relatively large amount of public or private property.

1. Do you need to repay the online loan if it has not arrived?

If the online loan has not arrived, it is natural that there is no need to repay the loan. If the loan funds are not received, the loan contract is not effective, and the lending institution shall not require the user to repay the loan if the loan answer contract is not effective. If the lending institution requires the user to repay the loan without the loan funds being received, the user can keep the relevant evidence and complain or report to the relevant authorities.

Second, there will be no consequences for overdue online loans

1) Penalty interest and liquidated damages.

If you don't repay the loan, then the first thing you will encounter is high interest and corresponding liquidated damages, if you don't want to get yourself into the loan quagmire or state, it is better to develop good repayment habits.

2) Credit will be damaged.

Whether it is borrowed from the bank or the money from the online loan platform, if there is a phenomenon of overdue repayment, it will be much more difficult to apply for a credit card or loan in the future. Some people think that the overdue repayment of online loans has no impact on their credit reporting. In fact, this idea is wrong, at this stage, there is a system of interconnection and encryption between the online loan platform and the central bank, and there will also be a shared "blacklist" system in the online loan platform, which can check your credit in minutes.

3) If the circumstances are serious, they will be imprisoned.

Usually such incidents as non-repayment of borrowed money are civil disputes and do not rise to the level of criminal law. However, if the borrower refuses to enforce the law or has the ability to repay the loan, and insists on being a cheater, then the court can pursue the criminal liability of the borrower, and the circumstances are too serious, and the sentence will be imprisoned.

The online loan has not been received, and there is no need to repay it every month. When the loan funds are received, the lending institution has fulfilled its responsibility to lend, and then the user needs to repay the loan in accordance with the loan contract. If the loan funds do not arrive or the lending institution does not lend, then the loan contract will not take effect, and the user will naturally not need to repay the loan if the contract does not take effect.

Extended Materials. In fact, online loans are not difficult to understand, all the authentication, bookkeeping, clearing and delivery processes are completed through the Internet, and the borrower and the borrower can achieve the purpose of borrowing without leaving home, and the general amount is not high, no collateral, pure credit lending. Online lending is divided into B2C and C2C (P2P) models.

Online lending model.

B2C mode.

B2C generally refers to banks, and some ** also offer products from loan companies. Generally, online B2C loans rely on online loan platforms to complete the pre-loan work, and according to different rules, some applicants are required to go to the bank to handle it offline. The B2C model is currently geographically restricted, as its business entities are all geographically restricted institutions, and its coverage needs to be expanded.

C2C (P2P) mode.

P2P is short for peer to peer, which means person-to-person. This model can be determined by the applicant to determine the interest rate, term and other conditions, according to their own credit status and repayment ability, and the lending funds Party B can freely choose the object of the funds they want to lend funds like online shopping.

**。1. The name of the company is relatively large, the so-called "integrity group", "xx loan group", "xx loan group company", etc., such companies cannot exist at all, and it is impossible for the industrial and commercial department to allow the registration of such company names.

2. Some will impersonate the name of a bank or a well-known company, but they do not have an office address, and they cannot provide a real company business license and personal ID card.

4. The lending conditions are easy, no mortgage is required and no income is required, basically a loan can be obtained with an ID card.

5. When the loan seeker is tempted, they will use your reasons to ask for a fee first, such as "interest, attorney's fee, verification fee, insurance premium, handling fee, security deposit" and so on.

6. When the loan seeker pays first, he finds that the mobile phone of ** can no longer be dialed, and even some loan seekers do not know the other party's company, personal name, ID card, and even do not know where the other party is.

At present, the disposal process of "online loan sedan tan" in many cities shows that if you borrow an online loan and fail to repay it in time, Alipay and WeChat of the debtor may be frozen. From the current point of view, the rectification work of online loans is coming to an end, and it will be transferred to regular supervision in the future. At the same time, relevant agencies are also stepping up collection efforts.

For those who owe money, the "good days" ahead may be coming to an end.

Legal analysis: If the creditor who fails to repay the online loan requests the debtor to pay money and value, and meets the following conditions, it may apply to the basic people's court with jurisdiction for a payment order: (1) the creditor has no other debt dispute with the debtor; (2) The payment order can be served on the debtor.

The application shall clearly state the amount of money or valuable ** requested and the facts and evidence on which it is based.

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.