Ask for help, I can t hold on anymore because of the online loan

It is recommended to choose formal banking channels to apply for loans, and we recommend our bank's online quick loan.

Netfast Loan refers to a small consumer loan issued by ABC in cash to individual customers of ABC who meet certain conditions, and is self-applied for, quickly received, automatically approved, and self-service.

2) The borrower understands the product situation, the basic conditions of the loan and the handling process.

3) Fill in the basic information, the term of the loan to be applied, the borrowing and repayment account, the mailing address, etc.

4) The system verifies the validity of the mobile phone number.

6) Confirm the loan information, the amount of the loan to be applied for, the purpose of the loan, etc.

If you need to apply for other loans, please refer to the loan page on the official website of our bank for details.

Small amount, turnover is OK, no upfront,

If you can't apply for an online loan, it is recommended that you try to change the loan channel. The reason why you can't borrow any online loans is probably because there are bad behaviors recorded in the customer's big data, or there are multiple loans and high personal debt ratios. This may not be solved in a short period of time.

However, because a large part of online loans are not connected to the central bank's credit system, online loans are usually not directly related to credit information. If the customer goes to the bank for a loan, or goes to the lending institutions and platforms that have been connected to the central bank's credit information system, the system will mainly review the customer's credit information, which has nothing to do with big data. Therefore, as long as the customer's credit is good, there is still a chance to get these loans.

The inability to borrow an online loan does not mean that the bank cannot borrow a loan. In addition, if the customer has a credit card in his name and the credit limit of the credit card is not low, he can also borrow cash directly from the credit card to use it.

Extended Materials. The reasons for good credit but can't borrow money may be due to the following aspects:

1. Affected by the work unit. Under normal circumstances, in order to control risks, online lending institutions will prefer applicants who work in a reputable background such as state-owned enterprises and Fortune 500 enterprises when judging the qualifications of borrowers, and the quota will naturally be relatively high.

2. Affected by the nature of the profession. In addition to the background of the unit, the applicant's own professional attributes will also be within the scope of the institution's risk control.

3. Affected by personal income. The borrower's ability to repay is mainly based on the income of the borrower, and the higher the income level, the easier it is for the borrower to apply for the loan and the larger the loan amount.

4. Affected by marital status. Although whether the loan application can be approved or not does not have much to do with whether the borrower is married or not, the level of the loan amount is related to the borrower's marital status, and generally married people get a higher loan amount than unmarried people.

5. Affected by the debt situation. When applying for a loan, the lender will also review the borrower's liabilities. If the debt is too high, then the loan amount will be lower; If you are debt-free, you will be able to borrow a higher amount.

Legal Analysis: The first step is to terminate all loans and seek the understanding and help of your family. First of all, don't take out loans to support loans, which will only make online loans more and more, and all platforms will be overdue.

Confess to your family and seek their understanding and help. The second step is to deal with the collection of huge profits rationally. issued a statement in advance in the circle of friends, explaining to everyone to clear the profiteering collection they are suffering, apologize for the situation that everyone may be harassed, and suggest that everyone cooperate with hanging up these commotions**, leaving everyone with a new **, and reducing the use of the old**number.

The third step is to understand your dishonesty and work hard to repay the loan. Check your credit through the credit information center, grasp which online loans have been entered into the credit information system and which have not been entered into the credit information system, so that you have a clear idea and repay the loans in order. It is more important to find a job and work hard to earn money, negotiate with the bank or lending institution, and extend the repayment period or repay it in installments.

Legal basis: 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. This means that if a party who has an obligation to enforce a judgment or ruling, as well as certain individuals who have an obligation to assist in the enforcement of a judgment or ruling, refuses to perform the obligation to enforce the judgment or ruling in a negative or positive manner, the judicial organ may pursue their criminal responsibility in accordance with the law.

If the online loan is overdue and unable to repay, it is recommended that the customer take the initiative to explain to the platform's customer service that he is not able to repay the loan for the time being, and prepare relevant materials to prove that he did not deliberately fail to repay the debt, and then try to apply for an extension of the repayment period and repayment of the arrears in installments.

The platform should consider it at its discretion, and if it is finally able to agree, then the customer can negotiate a new repayment plan with the platform and then repay the new repayment plan on time and on a monthly basis. However, the platform is also likely to refuse, and if the negotiation fails, the customer will have to find another way, such as trying to borrow money from family and friends to pay it back.

However, you need to note that some online loans are not formal, and may deliberately charge high interest, and once the customer finds that the online loan he borrowed has reached the standard of usury, he can actually choose not to repay the expenses beyond the reasonable range. If the platform keeps dunning, the customer can also collect relevant evidence and report it to the local CBRC or the Internet Finance Association of China.

Big data of online lending can reflect the real situation of online lending. If you have too many loans, it is recommended to check your credit data. Find:

Xiaoqi Xincha can generate big data reports. Although there is a difference between the two, in order to avoid the situation that individuals are unable to repay bad debts, bank loans will also pay attention to the big data credit situation, and bad credit will affect the rights of many aspects.

You can explain the situation to your family and ask for their help to repay the loan as soon as possible. Or contact the lender to ask if you can repay the loan in installments, and the debtor can also look for a job and get paid as soon as possible to pay off the debt.

What are the consequences of 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, it is best 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.

If the applied online loan is not disbursed, customers who are in urgent need of funds can go to another online loan platform to borrow, and maybe other online loan platforms can also lend money, and customers can borrow money. In addition, if the customer has a credit card, the credit card can also be withdrawn for use.

However, online loans do not lend, and customers can also take out loans through another channel, such as applying for a loan at a bank, and the bank will generally not refuse to lend. In addition, it is okay to apply for a loan from a licensed lending institution, and as long as the approval is passed, the loan will be disbursed smoothly.

Of course, the online lending platform may not lend money only because the current loan amount is insufficient, and the customer waits patiently for a period of time before applying for a loan, and may be able to borrow again. However, it is also possible that the reason lies in the customer himself, perhaps because the customer's credit has problems and the qualifications are not up to standard, which leads to the failure to lend the online loan applied. In this regard, customers can only take good care of their credit, and then try to borrow after the credit is raised, and maybe they will be able to get a loan at that time.

1. Which department to find to solve the overdue online loan?

You can file a complaint with the CBIRC. Online lending is the abbreviation of online lending, including individual online lending and commercial online lending.

If the online loan is not repaid within the time limit, the repayment can be deferred in accordance with the relevant laws and regulations of the state. If the repayment is not made in accordance with the deferred or installment agreement, the creditor may apply for compulsory enforcement. When the borrower does not cooperate and has a bad attitude, it will usually be handed over to a special collection agency, which will bombard the debtor or collect the money by the special collection agency.

This is legal as long as the party receiving the money does not harm the debtor or damage the debtor's home. After the online loan is overdue, the debtor should first communicate with the creditor. If communication fails, the debtor should repay it as soon as possible.

After the online loan is overdue, you may be constantly reminded, and your life and work will be greatly affected. If the loan is still not repaid, the loan platform can apply to the local court, so that the online borrower will be pulled into the list of dishonest people. Online loans are overdue, which will only lead to higher and higher interest rates, and eventually high interest rates.

Due to the large amount of overdue online loans, it may involve fraud and may also be subject to criminal detention. Online lenders' bank deposits will also be frozen, and homes and cars will be seized.

First, you are born as a human being, and you are not here to die! Please cherish this unique opportunity to become a human being.

Second, if you can't change it by yourself, then please put down your face and vanity, ask your family for help, and tell them your current predicament, even if your family relationship is not good, it is your family. If it doesn't work, then relatives, if it doesn't work, then classmates. If you really can't do it, just TM go to work, even if you really can't go to ask for food, live, you must live!

If you hang up like this, you are sorry for the resources that the world has given you to feed you, no matter how miserable your life is, if you don't die, you will have to turn over at all costs.

Thirdly, as an irrelevant person, I beg you to live, there are a lot of desperate things in our lives, even if there will be even more-up things in the future, but so what? Sleep well, take care of your body, you look at your current situation, you need to take a good rest, no matter what, you should eat, sleep, at least get up from your heart again, as long as you don't admit defeat, you won't lose. It doesn't matter if you fail temporarily, I believe that you are here to do great things in this life, even if you didn't live well before, it doesn't matter, maybe, this time is a practice that you have to go through, a tempering, please be strong, please do everything possible to go forward.

Even if you fall to the bottom now, it doesn't matter, Lao Tzu admits it, from now on, from the poorest bastard, starting from the loser, please climb up from below, bless you, come up!

Four years ago, due to gambling, I came into contact with online lending, and the total amount of six or seven loan platforms added to about 120,000 yuan. Not a single point was returned. At that time, the idea was that these loans had to be repaid, but not now, the only way to live now is to make money, earn money well, and then pay it back when you earn it, work on the construction site, and earn money honestly.

After about half a year, through my own efforts, I gradually had some savings in hand, and I felt that I couldn't go on like this, and I couldn't let my family be affected anymore, so I contacted these loan platforms and negotiated whether I could deal with these debts in installments, as long as you agreed not to harass my family, I would pay you back a cent, after 3-4 days. I agreed, after all, people just want to recover their money, and finally in August 16, I was asked to pay it back, I hated myself, hated why I did such a thing at that time, and at the same time admired myself, admired myself for being able to go on so strongly. I thought about dying, but death is not the solution to the problem, and dying will only affect my family.

Everything is an experience of life, and living is a practice.

Will continue to call your relatives and friends in the address book, inform them that you owe money, then you will be very passive, rather than doing this, it is better to hurry up and pay back the money, find a stable job to earn money steadily, so you can feel at ease, isn't it?

Let your family help you repay it first, don't fall into online loans again, the snowballing interest is really scary. Consume rationally and do what you can.