What are the consequences of overdue loans? What will happen if the Yiren loan is overdue

The consequences are not very serious, everyone can pay off the arrears in time and pay a certain amount of overdue fees. In addition, after paying off the arrears, you should take the initiative to get in touch with the customer service of Yirendai to explain the reason for the overdue day and save your credit.

Here, let's talk about how much the overdue fee needs to be paid for one day of overdue loans. Yirendai's overdue fee consists of a repayment management service fee and a penalty for late repayment.

Repayment Management Service Fee = Principal and Interest Payable in the Overdue Period Management Service Fee Coefficient.

Liquidated damages for overdue repayment for one day overdue = outstanding principal and interest in the current period

For example, if the sum of overdue principal and interest is 10,000 yuan, and the management service fee coefficient is 1%, then the overdue fee is 100 + 20 = 120 yuan.

Special reminder. Friends who are already overdue, be sure to pay off the arrears as soon as possible, and never delay any longer. Otherwise, it is likely to affect the central bank's credit and online credit. At that time, the punishment that everyone will face will be very severe.

Yiren Loan is doing this kind of business, they only do the customers who work in the unit, knowing that you will not repay the loan for the sake of work, you are afraid that he will make trouble to the unit, as for saying that you want to outsource to your home, you should not have the courage, now no one dares to do violent collection, and there are a lot of QQ searches.

You are also a victim of pleasant loans, is there a group, let's build one.

If the loan is overdue, there will be the following consequences:

1.Yirendai will carry out crazy collection on borrowers, disturbing their usual life.

2.Overdue Yiren Loan will incur overdue late fees and penalty interest, which you are required to pay by yourself.

3.Typing or texting people in your address book creates a negative image of yourself.

4.Your loan amount will be affected, and a severe Pleasant Loan will prohibit you from applying for a loan in the future.

5.When it is overdue for a long time, there is also the possibility of being sued by Yirendai.

There are the following practices and consequences:

1. If there is really no ability to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments.

2. If the lending institution fails to perform the court judgment within the performance period after winning the lawsuit, it will apply to the court for enforcement.

3. When the court accepts the compulsory enforcement, it will inquire about the real estate, vehicles, ** and deposits in the name of the lender in accordance with the law.

4. If the lender has no property in his name that can be enforced and refuses to perform the effective judgment of the court, there will be negative information such as overdue repayment recorded in the individual's credit report and will be restricted from high consumption and entry and exit, and may even be subject to judicial detention.

5. In cases where there is the ability to refuse to enforce the judgment, it is suspected of the crime of refusing to enforce the judgment or ruling.

Article 6 of the Several Opinions of the Supreme People's Court on the Trial of Loan Cases by the People's Courts.

The interest rate of private lending may be appropriately higher than the interest rate of banks, and the people's courts in each region may specifically grasp it according to the actual situation in their respective regions, but the maximum shall 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".

If the user does not repay the loan in Yirendai, he or she needs to bear the following consequences:

1. Overdue penalty interest and liquidated damages: If the user fails to repay the loan within the time limit, the customer service will contact the borrower to remind him to repay the loan, if the user still does not repay the loan after the grace period given by the customer service, then Yiren Loan will charge the corresponding liquidated damages in accordance with the requirements of the agreement, and the final amount of liquidated damages will generally be greater than the loan interest, which increases their repayment pressure.

2. Collection before being trembled: Once the loan is overdue, the collector will contact the borrower himself for collection.