Will there be trouble after the online loan is paid off, can the online loan be paid off

First of all, if you fall into the trap of online loans, you must stay sober and understand what kind of trap it is, and then immediately stop the behavior of borrowing to support loans. If you continue to borrow money, it may not take a year, and your debt will roll over to the point that your whole family can't afford it, and then you will borrow too much, and no one will want to lend you any more, and you will have to start facing collection, and then everyone will know. So since you have to face it sooner or later, it's better to get out early, the sooner you get out, the less serious the consequences will be, this is absolute.

Second, don't be afraid. At most, online loans are only civil disputes, and the public security organs are not allowed to interfere in civil disputes. Unless you have the means to do so, the people's court will not arrest you, so you don't have to worry about who will arrest you.

There is no need to pay attention to anyone's threats, except that the people's court can determine that you have the ability to repay but refuse to repay and other bad circumstances, so that you have the right to judge you as a dishonest person subject to execution (lai) and restrict some of your high-consumption behaviors (taking airplanes, high-speed rail seats, children going to aristocratic schools, etc.). No one else has any right to restrict you.

Third, face the problem head-on and don't run away from it. Understand that this is normal, it's not a big deal, there are a lot of people in debt, as long as you go and find a way, there is always a way to solve it. Don't think about running away, let alone committing suicide, it's not that far.

If you don't want to face it yourself, how do you let your family face it? As long as the people are still there, everything else can be solved, if the people and money are empty, can you be willing?

Clause. Fourth, if you owe not a lot of debts at this time, it is good that you can solve it yourself, but you can't solve it yourself, you should confess to your relatives and friends, enlist their help, borrow or give, in short, pay off what should be repaid. You can go to the credit information center of the People's Bank of China in Chinese or Jun Xiaoxin service account to do a credit inquiry, which has detailed data on online loan history, online loan overdue details, current debts, etc., if you want to query, find this ***.

Fifth, if you have a huge debt and your family can't afford to pay it back, you have to think of something else. For example, you or your family members apply for a bank mortgage to raise money; Or scrape together enough money with friends and family. The purpose of this is to repay it slowly in the future, without having to bear too much interest, if you change to an online loan platform, you negotiate with them to repay it slowly, they will not agree, and even if you repay it slowly, can you afford their interest and overdue fees?

The bank and relatives and friends are much easier, the bank only needs to pay a low monthly interest, and then repay the principal later, and relatives and friends may not want your interest at all. So it's all something that can be paid back slowly. Another way is to sell the property, see if you have any excess property to sell, pay attention to the redundant.

If you don't get to the point where you have to sell your only home to pay off your online loan, don't bother with the idea.

After paying off, the online loan collection will no longer trouble you.

Online lending is risky, so you need to be cautious in borrowing, plan reasonably, control your desires, and don't fall into the abyss of your own desires.

After the online loan is paid off, will I say that I haven't paid it off?

1. Confess to your family and seek help from your family. This is for people who have certain financial conditions in the family, if the amount owed is not large, you can seek help from your family as soon as possible, don't feel good face or dare not confess, you must know that this kind of thing can't be delayed, the more the snowball will roll more and more in the end, don't wait until the end even your parents can't afford it, then there is no way at all. After confessing, negotiate with the platform to strive to repay only the principal or obtain a reduction, basically the platform will have various policies to achieve the purpose of reduction.

2. Get a credit report on a small program such as clean data, sort out your debts, and figure out how much you owe. If you don't owe much and your credit is not bad, you can apply for a regular large loan for installments, pay off all the small loans, and still negotiate with the platform for reduction and exemption in the process of repayment. If you choose to do this, then you must ensure that this large loan can pay off all the small loans, otherwise you must not borrow.

In addition, you must choose this solution if you have a regular income, and your income can repay this large loan every month. Otherwise, doing so will only aggravate your debt and make you sink deeper.

3. In fact, the borrowers who want to go ashore are basically people who can't borrow money, because the platforms that can borrow have already borrowed, and they really can't borrow money, and there is no way to help repay the loan, so they are looking forward to going ashore. So is there any possibility that these people will go ashore? Yes.

This is also the fastest way, which is to force the landing. What is forced disembarkation? It's all the loans that you choose not to repay, don't care about your face at this time, and don't struggle to support yourself for fear of being exposed to your address book, think about it, with your current state, isn't it a matter of time before your address book is exploded?

It's just that the timing is different, and the result is the same. Therefore, if you choose to be forced earlier, you can go ashore earlier, or you can get out as soon as possible.

Do you want to go ashore? Do you want to not be collected? Do you want to get back to your normal life? Look, there is a reward for paying.

If it has indeed been paid off, you can ignore it and call the police to deal with it.

After the loan is paid off, there is still collection**, then it may be that these situations have occurred!

1. Unsettled accounts, this problem generally occurs in the case of hasty repayment on the day of repayment, if it is a stuck point operation, the system may not have time to update, resulting in the collection staff failing to connect, thinking that the borrower did not repay on time, so he harassed it.

Second, the platform is deliberate, some black-hearted platforms will deliberately not deduct the money in time in order to make more profits, just for the borrower's overdue penalty interest, liquidated damages, etc., in this case, you can contact customer service to solve, or manually return it before the repayment date to avoid such a situation.

3. Non-standard repayment, like some informal loan platforms, even the loan is first let the staff and the borrower dock, generally let the money transfer to the so-called customer service, salesman and other private accounts, if the other party has the selfish intention to swallow it alone, it will be very troublesome to deal with it. Therefore, it is recommended that you try to keep the proof of transfer when repaying, such as chat records, screenshots of payments, etc., or apply for products that can be deducted by software, or enter the officially designated corporate account, which will be much safer.

A few days ago, some netizens asked if the online loan was paid off, should the settlement certificate be used? Is there any impact on the cancellation of an online loan? I believe that some friends also have the same confusion, so let's talk about it specifically.

In fact, it is still necessary to issue a settlement certificate after the loan is paid off, because it is a certificate that you pay off all the arrears, so you can open it as much as possible. If you still need a loan in the future, such as taking out a loan to buy a house or a car, and the bank finds that you have a loan record, then it may ask you to provide proof of loan settlement. As for the cancellation of online loans, there is no impact, and if you do not cancel them, there may be some negative effects.

It may cause information leakage.

Many people know that when borrowing online loans, the platform will ask for information such as ID cards, bank cards, and mobile phone numbers, and once filled, there is a risk that these information will be leaked.

will be harassed by lending platforms.

Even if you don't need a loan now, the platform may call you or send you a message, which will affect your normal life.

There is a possibility that they will be collected and continue to collect debts.

Some netizens posted before that they had obviously paid off their arrears, but there were still debt collectors, but in fact, this may also be related to the fact that the online loan account has not been cancelled. Therefore, it is best to write off the online loan after it is paid off.

Although the online loan has been paid off, there is no way to erase the record of this loan, including the record of applying for a loan. The authority to modify credit information lies in all institutions of the People's Bank of China, including banks, and only the authority to report is fake.

The online loan has been repaid, but you have to eliminate that you have taken out an online loan, this is impossible, because your online loan is recorded in the bank, so you can only eliminate the information on the mobile phone deleted, but the bank still has your record.

Once paid off, the record is not immediately erased. It will overshadow the previous record over time, and that's about five years.

This record will be there for 5 years! But it doesn't matter if the record exists if it's paid off! Applying for a loan from a bank mainly depends on whether it is overdue. and the number of credit inquiries. There is also the place of work and the amount of provident fund. It doesn't matter if anything else.

Personal credit data will be retained for five years, and this five-year calculation time node starts from the day you settle the loan. That is, it will be cleared for 5 years after you pay it off.

This record can't be eliminated in the credit system, only the later record is used to cover the previous one, or it will be automatically cleaned up after five years.

In fact, it is necessary to issue a settlement certificate after the loan is paid off, which is a certificate for you to pay off all the arrears.

Hello, it will take five years for your records to be erased, and after five years, you won't be able to see the current information Credit information is to be kept for five years.

It can't be eliminated, and the current credit report can't be seen until 5 years later, and all of them can be kept without records for 5 years.

The credit investigation at the online loan meeting generally cannot be eliminated, and it depends on how the credit reporting system of the local city is regulated.

This can't be eliminated in the short term, and it will be interesting to see if your other good record can be washed away in five years.

Online loan records cannot be erased, but as long as they are paid off, there will be no impact on your credit investigation.

Big data should be on the credit report.

If there is an error in the input of the staff of the online lending institution, or an error in the data integration of the data center, the online loan user can raise an objection to the online lending institution for these errors.

Since your online loan has been repaid, then there is nothing to do, and you will complete the online loan after you have repaid the loan and then apply for the settlement certificate.

After borrowing an online loan, it is okay to pay off all the money (including the loan and interest) within the specified time, remember not to borrow from loan sharks.

Of course, it's okay to pay it off, and it's okay if you don't pay it back.

If you pay it off, you will receive a recommendation.

Find a way to make money or borrow money from others.

There are no consequences. The online loan has now been paid off, and there will be no impact at this time, and only the record of on-time repayment will be left in the credit report, which is a good credit record, and then directly ask the other party to give a certificate of loan settlement.

The online loan platform is liquidated and the loan owed is still to be repaid in accordance with the regulations, and the platform is cleared does not mean that the debt relationship has been dissolved.

Generally speaking, the following consequences will be borne if the deadline is overdue.

1. Credit investigation will be affected.

2. The platform will collect.

3. Penalty interest will be incurred.

4. Affect other loan applications.

5. Occupation is affected due to damage to credit reporting.

6. Will be blacklisted.

7. Affect children's education.

8. Unable to enjoy preferential loan policies.

It can be seen that the price that needs to be borne after the overdue period is very large, so don't deliberately fail to repay the loan just because the loan platform has been cleared.

If the relevant loan app cannot be entered, you can contact customer service to consult the repayment method, of course, you can also consult the relevant departments, under normal circumstances, formal lending institutions will file with the relevant departments.

In short, it is important to repay the loan in time before the repayment date is due.

Pay attention to personal credit and don't blindly apply for loans. Otherwise, once the big data is spent, the comprehensive score will be insufficient and rejected. Get big data reports in "Four Joy Data" to clearly understand your status in online loan big data.

The database cooperates with more than 2,000 online lending platforms, and the query data is accurate and complete. You also need to pay attention to personal credit.

Extended Information: What should I do if the online loan platform is overdue due to problems?

If the online loan is overdue due to problems with the platform, it is recommended that the borrower do the following.

1. In any case, pay off the arrears first, and don't continue to overdue.

Because the longer the overdue time, the more penalty interest will be incurred, and the more serious the damage to personal credit will be.

2. After paying off the arrears, the borrower can file an appeal for the penalty interest overcharged by the loan platform, after all, it is not the reason that he knows that he failed to repay on time, and he can ask the other party to return the overcharged money.

If the loan is overdue and the loan platform reports to the central bank for credit (big data), it can also be deleted by the orange calendar.

3. If the borrower finds that the loan platform deliberately overdue, so as to charge more interest fees, it is recommended not to borrow on the loan platform in the future, and can apply for cancellation of the loan registered on the loan platform, unbind the bank card, and then choose a regular licensed financial institution to borrow.

and can collect relevant evidence to report the loan platform to the local CBRC or the Internet Finance Association of China.