The online loan of 30,000 yuan is about to be overdue, can you pay it off if you have a stable incom

Let's get a big installment back!!

There will be no consequences for the loan money:

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;

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;

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

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

Basically, there will be no impact, and you can repay the loan on time in the future.

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.

My friend seems to have been deceived by the innovation loan, and I heard him talk about it the day before yesterday.

Legal analysis: Online lending is a kind of private lending, once the online loan is overdue, the online lending platform will report the overdue record to the credit information system of the People's Bank of China. Once the credit investigation is seriously overdue and becomes a black account (the online loan is overdue for more than 3 months), all bank loans, credit cards, and online loans for credit investigation cannot be handled.

The overdue online loan will not only be recorded in the credit report, but also have a high overdue fee.

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 24 Where a party signs a sales contract as a guarantee for a private lending contract, and the borrower fails to repay the loan after the loan expires, and the lender requests performance of the sales contract, the people's court shall hear the case in accordance with the legal relationship of private lending, and explain to the parties the modification of the litigation request. Where the parties refuse to make changes, the people's court is to rule to reject the lawsuit.

If the borrower fails to perform the monetary debts determined by the effective judgment after the judgment rendered in accordance with the legal relationship of private lending takes effect, the lender may apply for an auction of the subject matter of the sales contract to repay the debt. The borrower or lender shall have the right to claim refund or compensation for the difference between the price of the auction proceeds and the principal and interest of the loan to be repaid.

Online loans are too tricky, the interest is too high, and I have owed it before.

At this time, you should first return the credit card and the online loan on the credit report. Credit reporting on overdue records will continue to have a negative impact on personal credit reporting, and these negative impacts can be reduced by settling arrears as soon as possible. Although it will affect the online credit investigation, the credit business is mainly based on the credit information of the People's Bank of China.

In addition, when applying for credit cards and loans, users should pay attention to their debts and do not let the monthly repayment amount exceed their repayment ability.

As we all know, personal credit is equivalent to everyone's credit pass today, which records the past credit behavior of each of us, and these behaviors will affect our future economic activities. Especially because the online loan is overdue on the credit report, and the bad credit record is left on the credit report, whether it is a car loan or a housing loan in the future, or a credit card, it may be rejected.

Only need WeChat applet search: clear data. Click to query, enter the information to query their own Baihang credit data, the data comes from the national online loan platform and UnionPay, users can query their own big data and credit situation, can obtain various index data, query their own personal credit situation, blacklist situation, online loan application records, application platform type, online loan credit line estimate and other important data information.

In short, the consequences of overdue online loans on credit are very serious, so if the borrowed online loan is on credit, then you must repay on time, 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 "launder" after paying off the arrears, and if you don't repay all the time, the credit stain will follow you for a lifetime.

If the online loan platform is usury, the interest beyond the national regulations can not be repaid. Article 108 of the General Principles of the Civil Law of the People's Republic of China provides that debts shall be repaid. If it is temporarily unable to repay, the debtor may repay it in installments with the consent of the creditor or the ruling of the people's court.

and where they have the ability to repay and refuse to repay, the people's court is to make a judgment to compel repayment. Article 28 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases provides that if the principal and interest of the previous loan are settled by the borrower and the borrower, the interest shall be included in the principal of the later loan and the creditor's right certificate shall be re-issued, and if the interest rate of the previous period does not exceed 24% per annum, the amount stated in the re-issued credit certificate may be deemed to be the principal of the later loan; The interest on the excess part cannot be included in the principal amount of the subsequent loan. Where the agreed interest rate exceeds 24% per annum, and the parties claim that the excess interest cannot be included in the principal of the later loan, the people's court shall support it.

According to the calculation of the preceding paragraph, the sum of the principal and interest payable by the borrower after the expiration of the loan period shall not exceed the sum of the initial loan principal and the interest calculated at an annual interest rate of 24% for the entire loan period based on the initial loan principal. Where the lender requests that the borrower pay the excess amount, the people's court will not support it. Article 30 Where the lender and the borrower have agreed on the overdue interest rate and liquidated damages or other expenses, the lender may choose to claim the overdue interest, liquidated damages, or other expenses, or may claim them together, but the people's court will not support the part of the loan that exceeds 24 percent of the annual interest rate in total.

Second, the consequences of non-repayment of online loans 1, encounter penalty interest and liquidated damages loan non-repayment, the first thing encountered is high penalty interest, some financial institutions on the basis of penalty interest, but also need you to pay a liquidated damages, these costs add up, but a lot of expenses, if you don't want to be mired in the loan quagmire, unable to extricate yourself, or develop good repayment habits hope to help you.