What should I do if I owe 300,000 yuan to the credit union?

Serious consequences of overdue credit cards:

1. Overdue interest and late fees;

2. Bad credit records;

3. The bank will collect and may face criminal problems.

Credit Card Overdue Solution:

1. If the cardholder forgets to repay the loan and finds that it is overdue, he must repay the loan as soon as possible, preferably in full. Call the credit card center of the bank ** and declare that it is not a malicious arrears. If the overdue period is short, the bank may not count the bad record;

2. If the credit card is overdue due to unemployment, illness or other reasons, the cardholder should take the initiative to contact the bank credit card center before the repayment period, explain his or her economic situation, declare that he is not maliciously in arrears, and apply for deferred repayment or installment repayment;

3. If the cardholder takes the initiative to apply for a postponement of repayment, the bank will often agree to the extension, and the bank and the cardholder will agree on a mutually acceptable repayment plan. In this way, the bank will not keep a bad record, but it must repay the loan on time after applying for an extension;

4. Credit card repayment information is rolled by the central bank's credit information system for 24 months, and the record of overdue credit card repayment will be kept in the credit information system for two years. Therefore, it is best not to cancel the credit card immediately after the cardholder is overdue, and it is best to insist on using it for more than 2 years, and then maintain a good credit history.

Take a commercial loan with a small loan company.

Summary. Hello, it's a pleasure to answer for you; The inability to repay 100,000 yuan owed to rural credit cooperatives can be solved by the following methods: 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 may apply for enforcement.

Hello, it's a pleasure to answer for you; The inability to repay the 100,000 yuan owed to the rural credit cooperatives can be solved by the following methods: 1. If Ran Ran is temporarily unable to repay the debt, he can negotiate with the creditor to repay the loan in installments, postpone the repayment or reduce the debt. 2. If the other party does not agree to postpone 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 repayment 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 may apply for enforcement.

Legal basis: Article 30 of the Civil Code Law of the People's Republic of China The lender and the borrower have agreed on the overdue interest rate, liquidated damages or other fees; The lender may choose to claim overdue interest, breach of crude lead contract or other expenses, or may claim them together, but the people's court will not support the part of the total interest rate exceeding 24% per annum. Legal basis:

Article 30 of the Civil Code Law of the People's Republic of China The lender and the borrower have agreed on the overdue interest rate, as well as liquidated damages or other fees; The lender may choose to claim overdue interest, liquidated damages or other expenses, or it can claim them together, but the people's court will not support the part that exceeds 24% of the annual interest rate of Iwako.

Is it possible to staging it?

You can negotiate with your bank.

I mainly want to staging.

I don't know if the bank will agree.

You can negotiate with the bank to see if the bank can say it, but as long as the bank thinks that you can get the money back in installments, it will generally agree.

Generally, the daily interest rate is about 5/10,000, subject to the bank, and there will be late fees.

and other expenses. Specifically, you need to call ** to consult the relevant outlets of the bank. Since it is owed 10 years ago, it is necessary to check the documents at the time to determine the rules for the calculation of the interest rate and the payment of other fees such as late fees.

Each type of loan is different, and the cost of late payments is also different.

If you need to repay a loan of 20,000 yuan from a rural credit cooperative, which is overdue for 10 years, you will have to negotiate with the rural credit cooperative. This specific amount should be calculated according to the interest rate of your original loan, as well as overdue interest and late fees, and the specific amount should be calculated by the bank. Consequences of overdue loans of rural credit cooperatives:

1. Penalty interest is generated. Penalty interest is calculated according to compound interest, that is to say, the longer the overdue time, the higher the penalty interest that the borrower needs to pay.

2. Personal credit is affected. The longer the time and the higher the amount, the greater the impact. As a result, it will be very difficult for the borrower to refinance in the future. Lenders are likely to fail to approve loans because of the borrower's poor creditworthiness;

3. Sued to court. If the loan is not repaid after being urged by the credit union to repay the loan after the deadline, the staff of the credit union can sue the borrower to the court, so that the court can make a judgment that the borrower's assets will be auctioned off and used to repay the funds. Whether it's a mortgage or a line of credit, this can be enforced.

Legal analysis: sign an installment repayment agreement with the other party.

Legal basis: Article 230 of the Civil Procedure Law of the People's Republic of China: Where during enforcement, the parties reach an agreement through reconciliation on their own, the executor shall record the content of the agreement in the record, and both parties shall sign or affix their seals. Where the person applying for enforcement reaches a settlement agreement with the person subject to enforcement due to fraud or coercion, or the parties fail to perform the settlement agreement, the people's court may, on the basis of the parties' application, resume enforcement of the original effective legal documents.

Legal Analysis: Step 1: Take the initiative to negotiate with creditors to extend the loan term, or use installment payment to alleviate financial pressure; Step 2:

If it is true that the funds cannot be repaid, the principal and interest of the loan can also be repaid through physical collateral and other means. It can also improve its own credibility by improving the guarantor; Step 3: Contractual obligations can be transferred to a new assignee by way of debt assignment.

The premise of this method is that there is a claim against another person). The debtor actively proposes a solution and reaches a negotiation as soon as possible to avoid adding more unnecessary losses in the process of passive collection.

Legal basis: Civil Code of the People's Republic of China

Article 673: If the borrower fails to use the loan in accordance with the agreed purpose of the loan, the lender may stop disbursing the loan, withdraw the loan in advance, or terminate the contract.

Article 674:The borrower shall pay interest within the agreed time limit. Where there is no agreement on the time limit for the payment of interest or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, and the loan period is less than one year, it shall be paid together with the return of the loan; If the loan period is more than one year, it shall be paid at the end of one year for each attacker, and if the remaining period is less than one year, it shall be paid together with the return of the loan.