What should I do if the online loan is expected, how can the online loan be extended?

It is advisable to repay the arrears as soon as possible, resulting in severe overdue will face:

1. Bear high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it's called overdue penalty interest, overdue management or other various names, the fees are very high. Therefore, if you have the ability to repay the loan on time, you should never overdue.

2. Bear the fancy collection of the platform.

Collection is generally divided into three stages: the first stage, just a few days overdue, the platform customer service mm softly and warmly reminds, telling you that you have been overdue, please repay on time; In the second stage, if it is overdue for a long time, the platform's customer service will seriously warn that it will face serious consequences if it is overdue; In the third stage, after a long time of overdue, the platform no longer persuades each other and begins to take practical action.

There are many kinds of practical actions, such as: the platform pushes your arrears information to your relatives and friends, so that you lose face in the circle of friends; The platform arranges special collection personnel to collect door-to-door, face-to-face communication and accounting. Of course, these are still relatively mild.

Some platforms outsource the collection and collect it by a specialized collection company, and the collection company that broke out some time ago is "violent collection", and I believe that borrowers are unwilling to encounter it.

3. The People's Bank of China's credit investigation is stained.

At present, most online lending platforms have not yet been connected to the credit information system of the People's Bank of China, but access to the credit information of the People's Bank of China has become an inevitable trend. In the future, if the online loan platform fails to repay the loan overdue, it will be recorded in the credit information system of the People's Bank of China in the same way as bank loans and credit card overdue, resulting in credit stains. If the previous consequences are just disgrace, then the stain on the credit will affect the actual life, if you want to buy a house, you can't get a loan, you can't get a mortgage if you want to buy a car, and so on.

Do you want to help you do a private loan?

How to postpone the repayment of online loans:

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.

You will ask customer service about this situation. Do I need to pay for the extension? So, I guess there will be an additional handling fee.

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Your question has been received.

At present, there are two main ways to apply for extension of loan maturity: 1. Counter application: the borrower can go to the business hall of the lending institution with his ID card and loan contract, submit the loan deferment application to the staff, present the relevant materials as required, and handle it with the help of the staff.

2. Customer service application: The borrower can call the customer service of the lending institution, connect the manual service according to the prompts, and then apply to the staff for deferred repayment, and then provide the ID number, loan contract number, etc.

1. The People's Bank of China can only find those formal bank loans and credit cards, and other big data cannot be queried.

Second, since most of the current online lending institutions are not qualified to report the user's overdue records to the central bank for credit information, they can only publicize the overdue user information, and over time the online loan credit big data in the industry has been formed.

1. Online loan big data can clearly reflect the user's recent online loan application, whether the online loan is repaid on time, whether the identity information is doubtful, etc.;

3. Compared with the personal credit report of the central bank, the atmosphere of the online loan big data report is more extensive, and the institutions issued are more diverse, all of which are part of the personal credit record, and on the whole, it is more similar to the big data credit report on the Internet, which is a useful supplement to the traditional personal credit report.

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Legal analysis: 1. Negotiate with the overdue platform to postpone and use the delayed time to raise repayment funds;

2. Truthfully explain your situation to your family, in this case, only your family can help you free of charge, and at the same time borrow money from friends to make up for the arrears;

3. Mortgage the assets on hand to repay the loan and reduce the credit and property losses caused by the overdue;

4. Article 26 of the "Provisions on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases" Where the interest rate agreed upon by the borrower and the borrower does not exceed 24% per annum, the people's court shall support the lender's request for the borrower to pay interest at the agreed interest rate;

5. If the interest rate agreed between the borrower and the borrower exceeds 36% of the annual interest rate, the interest agreement for the excess part is invalid. Where the borrower requests the lender to return the interest paid in excess of 36% of the annual interest rate, the people's court shall support it.

Legal basis: Provisions on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases

Article 1 The term "private lending" as used in these Provisions refers to the act of financing between natural persons, legal persons and unincorporated organizations. These Provisions do not apply to disputes arising from the issuance of loans and other related financial services of financial institutions and their branches established with the approval of the financial regulatory authorities to engage in loan business.

Article 2 When a lender initiates a private lending lawsuit with the people's court, it shall provide proof of creditor's rights such as IOUs, receipts, and IOUs, as well as other evidence that can prove the existence of a legal relationship between loans. Where the creditor's rights vouchers such as IOUs, receipts, and IOUs held by the parties do not indicate the creditor, and the parties holding the creditor's rights vouchers file a private lending lawsuit, the people's court shall accept it. Where the defendant raises a factual defense against the plaintiff's creditor qualifications, and the people's court finds that the plaintiff does not have the creditor qualifications upon review, it rules to dismiss the lawsuit.

Article 24: Where the borrower and the borrower have not agreed on interest, and the lender claims to pay interest, the people's court will not support it. Where the agreement on interest in loans between natural persons is unclear, and the lender claims to pay interest, the people's court will not support it. Except for loans between natural persons, where the agreement between the borrower and the lender on the loan interest is unclear, and the lender claims the interest, the people's court shall determine the interest based on the content of the private loan contract and on the basis of factors such as the local or the parties' transaction methods, trading habits, and market interest rates.

Article 25 Where the lender requests the borrower to pay interest in accordance with the interest rate agreed in the contract, the people's court shall support it, except where the interest rate agreed upon by both parties exceeds four times the one-year loan market interest rate at the time the contract is concluded. The "one-year loan market ** interest rate" mentioned in the preceding paragraph refers to the one-year loan market ** interest rate authorized by the People's Bank of China to be released monthly by the National Interbank Lending Center from August 20, 2019.

The solution to the overdue online loan: 1. Pay off the arrears as soon as possible, and you must pay off the arrears as soon as possible after the online loan is overdue, because the interest rate of many online loans is relatively high, and once overdue, it may incur high overdue fees. Moreover, some online loan products are on credit or cooperate with Sesame Credit, so overdue will affect personal credit.

2. Borrow money from relatives and friends, if you can't repay the liquid after the deadline, you can choose to borrow money from relatives and friends to solve your urgent needs, after all, the cost of overdue online loans is higher than that of borrowing money from friends.

Article 7 of the Guidelines for the Administration and Registration of Online Lending Information Intermediaries shall submit a written commitment to compliance operation when applying for filing, and make commitments to the following matters: (1) Strictly abide by the relevant provisions of the "Interim Measures for the Management of Business Activities of Online Lending Information Intermediaries" during the business period, and operate in accordance with laws and regulations; (2) Cooperate with the supervision of local financial regulatory departments and banking regulatory bureaus in accordance with the law; (3) Ensure that true and accurate relevant data and materials are submitted to local financial regulatory departments and banking regulatory bureaus in a timely manner.

To apply for agreement repayment, you first need to clarify the reason for not being able to repay the loan, if it is due to some natural disasters, such as epidemics, ** and other reasons that cause overdue, so that the success rate of applying for agreement repayment will be higher.

After applying for an online loan, there will be a fixed repayment time, and the borrower must repay the loan in full every month according to this time, otherwise it will be recorded as overdue if it is not repaid after the time is exceeded, and once the credit report is reported, it will affect personal credit.

Online loans cannot negotiate a solution for deferred repayment.

1. Ask for help from relatives and friends: Relatives and friends around you have a better family background, so it is recommended to borrow money from them to repay the online loan. In order to show sincerity, you must explain the purpose of your borrowing money, and make an agreement to repay the loan, and give some interest appropriately.

Don't borrow from one person at a time, find several more people to borrow a little separately, and it is more convenient to turn around. As answered.

2. Sell assets to raise money: Decide the assets to be sold according to the amount of arrears, such as if you owe tens of thousands of dollars in online loans, and you can't negotiate a postponement of repayment, you can sell the car if you have a car in your name, and then buy a new one when the funds are abundant in the future; If you only owe a few thousand yuan for an online loan, you can usually repay the loan if you sell it with a gold chain in your hand.

3. Open source and reduce expenditure: learn to restrain your desire to consume, don't buy this and buy that at every turn, set a small deposit goal for yourself every month of sailing, save from small money, accumulate little by little, as long as the income is stable enough for a long time, small money will become big money. <>

1. You can choose to negotiate repayment with Ping An Puhui. If you are unable to repay the loan due to special reasons, such as disability, unemployment, major illness, etc., you can submit information for Ping An Puhui to review, and after the review is passed, you can generally negotiate the repayment.

2. You can only borrow money from relatives and friends to repay the loan according to the contract according to the contract. Make an IOU, promise to repay the money within a certain period of time, and then go to repay the borrowed money to the loan first, and then repay the money to relatives and friends when the funds are sufficient.

Extended Information: Ping An Pratt & Whitney Negotiation Repayment Skills What to pay attention to.

Users who apply for negotiated repayment need to dial Ping An Puhui's contact**, and after the manual customer service access, clearly put forward their personal application and communicate patiently. In other words, if the borrower wants to negotiate with Ping An HP to repay the loan, he can call **to Ping An HP manual customer service**, and he needs to explain his personal repayment intention and the reason why he cannot repay temporarily. With the permission of Ping An Puhui, the borrower can choose according to his specific situation, and choose the repayment period and repayment method.

In this case, you'd better try your best to find a way to trap Xianfeng to pay off your online loan debts, and even if you don't have money, you have to try your best to borrow money from relatives and friends to solve your urgent needs, so that you can ensure your normal life.