I have repaid my online loan for a year, and I haven t paid any principal at all

If you need a loan, it is recommended to handle it through formal channels, and you can consider applying for the online quick loan business of the Agricultural Bank of China Application conditions (1) Basic conditions 1Be at least 18 years old and not more than 60 years old, have the nationality of the People's Republic of China, and have full capacity for civil conduct. 2.

Possess a valid legal ID. 3.E-banking customers of our bank and holding a security authentication tool issued by our bank.

At present, only the second-generation K treasure customers are supported) 4Good credit profile, 5There is no unexpired loan amount and no outstanding balance of the loan.

6.Stable income and ability to repay credit on time. 7.

The purpose of the loan is reasonable and clear.

The loan amount for applying for a network quick loan is 3,000 yuan to 300,000 yuan; The loan limit is valid for 30 days, and the borrower needs to use the loan within the validity period of the loan.

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.

Purpose of NetJet Loan:

1) The online quick loan business is used for personal consumption and shall not be used for purposes prohibited by relevant national laws, regulations and credit policies.

2) The online fast loan adopts the method of issuing cash credit.

The annual interest rate of NetRapid Loan: The interest rate of mortgage customers will rise by 15%, and the interest rate of non-mortgage customers will rise from 15% to 50%. The Bank will make interest rate adjustments in a timely manner according to market conditions.

Legal Analysis: Impossible. Nowadays, some online loan platforms are almost higher than the bank loan interest rate in the same period, and it is almost impossible to repay only the principal in the end.

The final result is that it must be repaid, but some platforms repay the principal and interest in a lump sum, that is, the interest is repaid in the first few months, and the principal + interest is repaid in the last month.

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases

Article 21: Where the borrower and the borrower form a lending relationship through an online lending platform, and the provider of the online lending platform only provides intermediary services, and the parties request that they bear guarantee liability, the people's courts will not support it. Where the provider of an online lending platform explicitly indicates through web pages, advertisements, or other media or has other evidence to prove that it provided security for the loan, and the lender requests that the provider of the online lending platform bear the guarantee liability, the people's court shall support it.

Article 28 If the borrower and the borrower have an agreement on the overdue interest rate, the agreement shall prevail, but it shall not exceed four times the interest rate of the one-year loan market at the time of the conclusion of the contract. Where there is no agreement on the overdue interest rate or the agreement is unclear, the people's court may distinguish between different circumstances to handle it:

1) Where neither the interest rate during the loan period nor the overdue interest rate has been agreed, and the lender claims that the borrower bears the liability for default in overdue repayment with reference to the interest calculated with reference to the interest rate standard of the one-year loan market at that time from the date of overdue repayment, the people's court shall support it;

2) Where the interest rate during the loan period has been agreed upon but the overdue interest rate has not been agreed, and the lender claims that the borrower shall pay the interest during the period of capital occupation in accordance with the interest rate during the loan period from the date of overdue repayment, the people's court shall support it.

Legal analysis: No, the principal and interest should be repaid in accordance with the contract, according to the law, if the contract does not stipulate the repayment order, it is generally determined that the interest first and then the principal, in addition, the part of the interest interest rate exceeding 36% belongs to usury, and can be asked to return, and the annual interest rate payable and unpaid exceeds 24% can claim non-payment.

Legal basis: Article 502 of the Civil Code of the People's Republic of China A contract established in accordance with law shall take effect upon its establishment, unless otherwise provided by law or otherwise agreed by the parties.

In accordance with the provisions of laws and administrative regulations, if the contract shall go through formalities such as approval, follow those provisions. If the failure to go through formalities such as approval affects the effectiveness of the contract, it does not affect the validity of the provisions of the contract on the performance of obligations such as reporting for approval and the validity of the relevant clauses. If a party who should go through formalities such as applying for approval fails to perform its obligations, the other party may request that it bear responsibility for violating such obligations.

Where, in accordance with the provisions of laws and administrative regulations, the modification, transfer, or termination of a contract shall go through formalities such as approval, the provisions of the preceding paragraph shall apply.

If the online loan is not repaid, it will lead to personal credit investigation.

If you have a bad record, it will affect your future loan application, and after the online loan institution is overdue, the staff of the institution will also collect on you, which will be collected through ** and text messages, which will affect your personal life. If the amount owed is large and the arrears are serious, the platform can resolve it through legal means. At the same time, during the overdue period, there will be a high penalty interest, which will cause you a burden.

1. How to solve the problem if the online loan is not repaid?

If you are really unable to repay your online loan, you can contact the platform staff in advance, express your willingness to repay, and promise the repayment date, negotiate the best repayment method with the other party, and do not directly refuse to repay.

2. What will be the impact on individuals if they do not repay the online loan?

Formal online lending institutions are connected to the credit information system.

When submitting a loan application, the user will also sign a loan contract with the platform, and when the user fails to repay the loan within the time limit, it will be reported to the credit information system, and if the user has serious overdue behavior, the platform can solve it through legal means. You can check your current credit situation in "Check Ben Data" and find this WeChat Mini Program.

Can. Get rid of bad loan habits and cover untrustworthy behaviors with new good payment records, so that when everyone encounters an economic crisis again.

, there will be no way to find a way, and you will hit a wall again and again.

3. Collection will affect the lives of individuals and their families.

If the user refuses to answer, or has a bad attitude towards the collector, the collector will contact the user's colleagues or family members, which will seriously affect the lives of others.

To sum up, if you don't repay your online loan, you will actually have the greatest impact on yourself, because there will be a bad record in your personal credit report, which will affect your personal loan.

Therefore, when using a loan or credit card, you must repay it on time, and don't easily overdue, otherwise if you are overdue on the credit report, there will be a credit stain, and it will take five years to be able to "wash white" after paying off the arrears, and if you don't repay all the time, the credit stain will follow you for a lifetime.

According to the law, the interest rate of private loans is more than four times that of the LPR (the annual interest rate is not protected by law. You can calculate that if the interest on the loan you have repaid is exceeded, you do not have to pay it back; If it is not exceeded, then you only need to repay the interest at the interest rate agreed in the contract (if the interest rate is exceeded, it will be calculated).

It's not what part you want to repay, because you deduct the interest every time you repay the loan, and repay the principal for the rest, so even if you repay more than 5,000 yuan, but people still owe the principal on the account, if you don't continue to repay, it is a breach of contract, and if it is overdue for a long time, it will be on the credit report, which is very troublesome, you don't have this money, you feel that the interest is high, don't lend him in the future!!

There is no way, your understanding is wrong, the 5000 that was repaid before is not the 5000 of the principal, there is a part of the interest, that is, your principal has not been repaid. You don't want to pay back now your problem legally. However, if you don't repay the online loan, as long as you have the ability, it won't do anything to you.

But there are certainly consequences

Since you have already taken out the loan, you have signed a loan contract with the lender. The contract is legally enforceable, and if you don't repay the loan on a monthly basis, they can sue in court. And if they are connected to the bank credit information system, if you do not repay normally, it will affect your personal credit.

If you don't want to repay the interest if you are not overdue, it is impossible, unless you are overdue, you will be on the credit report for five years before the credit report can be restored. After that, you can talk to him about reducing the principal and settling it, but if your principal has been settled, you must at least repay some interest, otherwise you can't settle it.

Online lending should never be touched, because there are too many cases to warn.

It is not advisable to repay the principal after the online loan is repaid, and you don't want to repay the interest.

Before the online loan is finally realized, the two parties will sign a loan contract to stipulate rights and obligations, including the time of disbursement, repayment period and interest, and liability for breach of contract.

If you don't want to repay the interest and form a default, Paipai Loan will recover it through **, short messages, letters, etc. If no results fail, a lawsuit may be filed with the people's court to request an order for repayment. After the judgment is won, the applicant applies for compulsory enforcement, and then is included in the list of judgment defaulters, which ultimately leads to damage to credit reporting, restricted travel, and endless troubles.

It is recommended to negotiate with Paipai Loan.

If you don't want to pay it back, don't pay it back, it's your right. As for whether people don't pay it back, or sue you, that's also the right of others, and you can't still ask people not to sue you. If you don't want to pay it back, you just drag it out and fight a lawsuit, it's okay.

There is nothing to solve this, the interest must be repaid, after all, this is in the contract, if you don't pay it back, the other party will collect or sue you. However, if the interest rate is very high, more than four times the legal interest rate set by the state, you can not pay it.

Generally speaking, you may pay back the interest first, and a lot of the principal will be placed later. Unless the company is going to go out of business, the two sides may have some negotiation, otherwise it is estimated that they will always chase you back.

As long as you are not afraid of the loan company's various collections** and collection methods, you can not repay. You can also calculate the interest rate on your loan, if it is too high, it is a loan shark, which is not protected by law and will not be on the credit report.

The day you borrow, you will not be allowed to fail to pay the interest. Other companies will call you back, and if you don't pay it back, they will sue you, of course, the amount is less, then they have many methods, and they will not let you only repay the principal.

There is no solution, this interest cannot be waived, it is recommended to repay the money as soon as possible, otherwise the arrears may be more and more.

If it indicates that you have not paid it off, then it must be that the principal and interest have not been paid off, and it will not be counted as if you have repaid the principal. However, this amount has already covered the cost of others, as for what to do, it depends on your own firmness.

If the principal is not repaid, it can be resolved. The principal has been repaid, and it is okay to solve it. But more or less will still pay a little.

If you can't afford to repay the principal of a regular online loan, you should have the right method. Illegal loans cannot be negotiated.

It's impossible. After you take out an online loan, you must pay interest, otherwise, you will be sued by the online loan company to recover the interest.

It is not possible to repay only the principal of the loan, and the bank usually collects the interest first and the principal of the loan for the remaining amount to recover the loan.

How to solve the problem if you don't want to repay the interest after repaying the principal of the online loan, if you don't need to solve it, you won't repay it, and you will lose your credit.

The interest is calculated from when you graduate, and you can change it before graduation, before you get your graduation certificate.

Friends, this is only possible for those loan sharks, or only for everyone to discuss, and other formal platforms can't.

If you don't pay it back, isn't that a breach of contract? You still need some spirit of contract.

Legal analysis: As long as it is an online loan, it is not a high-hardship loan. If you meet the law, then you need to pay back the rest of the money. On the other hand, if the loan is identified as a loan shark, then you can not pay back the remaining money.

Article 175 Whoever obtains a loan, acceptance of bills, letter of credit, letter of guarantee, etc., from a bank or other financial institution by fraudulent means, causing major losses to the bank or other financial institution or has other serious circumstances, shall be sentenced to fixed-term imprisonment of not more than three years or short-term detention and/or a fine; Whoever causes especially heavy losses to banks or other financial institutions or has other especially serious circumstances, is to be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and a concurrent fine.

Legal analysis: If not, it will be fully performed as agreed.

Legal basis: Several Opinions of the Supreme People's Court on the Trial of Loan Cases by the People's Courts

Article 6: The interest rate on private loans may be appropriately higher than the interest rate of banks, and the people's courts in each region may specifically grasp it on the basis of the actual conditions of the region, but the maximum must not exceed four times the interest rate of the same type of bank loans (including the interest rate principal). If this limit is exceeded, the interest on the excess part shall not be protected.

Article 10 The loan relationship formed by one party by means of fraud, coercion or other means, or taking advantage of the danger of others, so that the other party violates its true intentions, shall be deemed invalid.

Article 11 Where the lender clearly knows that the borrower borrows money for the purpose of carrying out illegal activities, the lending relationship shall not be protected.

Article 13 In the loan relationship, the person who only plays the role of contact and introduction shall not bear the guarantee liability. If the performance of the debt is confirmed, it shall be deemed to be the guarantor and bear the guarantee liability.