What are the consequences of not paying back the 10,000 yuan owed by the borrower?

The consequences are as follows:

1. Sesame credit score declined. Once the overdue occurs, whether it is a day or a month, it will have a certain impact on the Sesame Credit score, and the shorter the time, the smaller the impact.

2. Bear multiple penalty interest. The day after the loan from Ant is overdue, in addition to the original interest will continue to be charged at the original interest rate, penalty interest will also be incurred, and the penalty interest will be charged on a daily basis according to the multiple of the interest.

3. Negative records appear. Once the Ant Loan is overdue, it will appear in the negative record of Sesame Credit, and this is the most important point in evaluating the Sesame Credit Score, once there is a negative record, it is likely to cause the inability to improve the Sesame Credit Score for a long time.

4. Close the ant borrowing. Once the ant borrowing is overdue for more than a month, the borrowing function will be turned off and it will not be able to continue to be used, and at the same time, it must be repaid normally every month.

5. There is a stain on the back of the credit report. Once the ant loan is overdue for one month, it will be uploaded to the central bank's credit information system, leaving a stain on the credit information, and if it is overdue for more than three months, it is likely to face all kinds of collections, and even be sued.

First of all, the function of overdue borrowing will be restricted, and secondly, it will affect Sesame Credit, and once again affect personal credit, so it is recommended that users repay as soon as possible.

1. Unable to use borrowing normally: The function of borrowing for one month overdue will be restricted, that is, only the repayment function will be opened, and the borrower will not be allowed to borrow again. Whether it can be recovered in the future will be evaluated by the system from time to time, and humans cannot intervene in the final result.

2. Affect Sesame Credit: Overdue records will be uploaded to Sesame Credit, which will affect Sesame Credit Score.

3. Affect personal credit: overdue records will be uploaded to the credit information system of the People's Bank of China, and the overdue amount will be permanently stored in the personal credit report, and the settlement will be automatically eliminated after five years.

Click to query, enter information in this applet 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.

Compared with the personal credit report of the central bank, the scope of online loan big data is more extensive, and the institutions issued are more diverse, which is part of the personal credit record and is a useful supplement to the traditional personal credit report.

If you borrow 10,000 yuan and do not repay it overdue, this will first affect your personal credit and leave an overdue record. Secondly, the platform will also collect on you, and if you refuse to repay, you may be sued through the court, or even freeze the property in your name.

Late borrowing will incur a fee. It will also have an impact on personal credit reporting and the use of borrowing, so it is recommended to repay the loan in a timely manner. Whether the overdue day will affect the Sesame Credit score needs to be subject to the Sesame Credit page.

1. According to the regulatory requirements, the borrower needs to report to the People's Bank of China for credit investigation, and for each loan borrowed, the user needs to take the initiative to check the "Personal Credit Report Inquiry Authorization Letter" to agree and authorize the lending entity to report to the credit information system.

2. If it is overdue for a long time, there may be a collector to contact, and in serious cases, it may be prosecuted.

3. After the loan is overdue on the credit report, it may affect the subsequent mortgage and other loans.

If you don't pay it back, then the interest will be higher and higher, which will have a serious impact on your credit report. Credit products will not be available for a long time to come, and there is a high risk that they will be blacklisted.

If you owe 10,000 yuan and don't pay it back on time, then you will have to pay interest. And there will be stains on the credit report. After a certain period of time, they may still be sued in court.

If it is overdue, it will have a great impact on personal credit, and if it is serious, it will be restricted.

If you don't borrow from financial institutions from now on, it will have no impact on your life. If you want to take out a loan to buy a house, a car or other loans in the future, financial institutions need to look at the credit of the People's Bank of China. If the loan is not repaid for a long time, the lending institution will be regarded as a non-performing asset**, once this situation occurs, it is difficult to eliminate the bad credit record.

If you don't pay it back in time, you will incur additional interest, and you will have to pay it back eventually. The other one will also affect your credit history, such as thinking about borrowing or taking out loans in the future.

In this case, it will affect your credit investigation, and if you don't repay all the time, that agency will find some professional collection agencies to come to you.

It will affect your personal credit, just like if you want to buy a house or a car in the future, this thing will be shown on your personal credit, and then the other party will consider whether you have these qualifications.

It will affect credit reporting, will affect future travel, children's schooling and other issues, and it is not necessary to pay it back in installments.

First it was collected, and then it was called a credit report, and you were blacklisted.

was first collected, dragged the credit report at the meeting, and finally estimated to be sued.

The overdue amount of 50,000 yuan is a civil dispute and generally does not involve criminal liability, so it will not go to jail.

However, if the borrower is prosecuted and the borrower has the ability to enforce the judgment after the court judgment, but the refusal to enforce the judgment is serious, it may constitute the crime of refusing to enforce the judgment or judgment, and will be imprisoned.

Legal basis] Article 313 of the Criminal Law, where a people's court's judgment or ruling is capable of being enforced but refuses to do so, and the circumstances are serious, a sentence of up to three years imprisonment, short-term detention or a fine is to be given; where the circumstances are especially serious, the sentence is between three and seven years imprisonment and a concurrent fine.

Where a unit commits the crime in the preceding paragraph, the unit is to be fined, and the directly responsible managers and other directly responsible personnel are to be punished in accordance with the provisions of the preceding paragraph.

Enter the credit investigation, sue in the court, and search the house.

What will be the consequences of overdue online loan Huabei borrowing?

Legal Analysis: Yes, because you are in bad faith defaulting on your repayment, they will sue you in court and enforce it.

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

Article 577:Where one of the parties fails to perform its contractual obligations or its performance does not conform to the agreement, it shall bear liability for breach of contract such as continuing to perform, taking remedial measures, or compensating for losses.

Article 578:Where one of the parties expressly states or shows by its own conduct that it will not perform its contractual obligations, the other party may request that it bear liability for breach of contract before the expiration of the performance period.

Article 579:Where one of the parties fails to pay the price, remuneration, rent, or interest, or fails to perform other monetary debts, the other party may request payment from the other party.

Summary. In fact, generally speaking, since you have taken out a loan before, you must have been short of money. And in the past two years, because of the epidemic, everyone's income has indeed decreased. Your situation is understandable.

But when it comes to loans, from a legal point of view, you are always responsible for repaying. Even if you can't pay off the overdue amount at the moment, or you can't pay off the overdue amount requested by the other party, you need to at least make an attitude of being willing to repay it to the other party.

If you owe more than 1,000 yuan and are overdue for more than half a year, will you be prosecuted?

Hello, consult a lawyer for your service, wait for me a moment.

Generally speaking, there will be no lawsuit, but the other party reserves the right to sue.

In fact, generally speaking, since you have taken out a loan before, you must have been short of money. And in the past two years, because of the epidemic, everyone's income has indeed decreased. Your situation is understandable.

But when it comes to loans, from a legal point of view, you are always responsible for repaying. Even if you can't pay off the overdue amount at the moment, or you can't pay off the overdue amount requested by the other party, you need to at least make an attitude of being willing to repay it to the other party.

If you are satisfied with me, you can click on my avatar to direct me to ** consultation. It is a pleasure to serve you and I wish you a happy life.

Legal analysis: The official will definitely report to the central bank for credit investigation and keep the borrower's overdue records. Once there is a stain on the credit report, if you want to apply for a housing loan and a car loan, you will face many obstacles, even if you can apply, the loan amount is relatively low, and the interest paid will be relatively high, which will have a great impact on the borrower.

If the overdue amount is relatively large, in the case of ineffective collection by the staff for a long time, it is possible to be sued, once the lawsuit is lost, not only to bear the corresponding costs, but also to be blacklisted, and travel by high-speed rail in the future will generally be restricted. All in all, the consequences of not paying back the overdue ones are more serious, and you must not do this. If you are overdue, you will be charged a penalty for the deadline.

Legal basis: Article 561 of the Civil Code of the People's Republic of China If the debtor shall pay interest and expenses related to the realization of the creditor's rights in addition to the performance of the principal debt, and the payment is insufficient to pay off all the debts, it shall be performed in the following order unless otherwise agreed by the parties:

1) Expenses related to the realization of creditor's rights;

b) interest; c) Principal debt.

If the borrower owes 50,000 yuan for one and a half years overdue, he will generally not go to jail, this is just an economic dispute, and the borrower who is overdue for one and a half years may be sued and sentenced by the court to enforce the repayment, and if he does not fulfill the enforcement responsibility, he may go to jail. Article 236 of the Civil Procedure Law provides that the parties must perform on legally effective civil judgments and rulings. If one party refuses to perform, the other party may apply to the people's court for enforcement, or the adjudicator may transfer it to the enforcer for enforcement.

The parties must perform the mediation document and other legal documents that shall be enforced by the people's courts. If one party refuses to perform, the other party may apply to the people's court for enforcement.

Summary. Dear, hello, the loan will not be overdue 1, and will generate high interest. If you use the money borrowed from Alipay and do not return it within the time limit, then you need to pay a penalty interest of multiple the normal interest.

If the overdue period is too long, you will need to pay interest every day. 2. Cause a decrease in sesame credit scores. The sesame credit score in Alipay decreases with the overdue of borrowing Huabei, so if you don't pay it back after the deadline, the first impact will be to cause the sesame credit score**.

3. Suffer from fancy dunning of borrowing. If the interest is overdue and the interest is not repaid to a certain amount, then there will be a special person to collect the money.

Dear, hello, the loan will not be overdue 1, and will generate high interest. If you use the money borrowed by Alipay and fail to return it within the time limit, then you need to pay a penalty interest of multiple the normal interest rate. If the overdue period is too long, you will need to pay interest every day.

2. Cause a decrease in sesame credit scores. The sesame credit score in Alipay decreases with the overdue of borrowing Huabei, so if you don't pay it back after the deadline, the first impact chain will be caused by the loss of the hemp credit score of the Zhilian chain**. 3. Suffer from fancy dunning of borrowing.

If the interest is overdue and the interest is not repaid to a certain amount, then there will be a special person to collect the money.

The credit will be reported after 3 days after the borrowing is overdue. According to the official information of borrowing, Ant borrowing can be overdue for 3 days, that is, after the loan is overdue for 3 days, the overdue record of the borrower Xin Chunsui will be reported to the central bank's credit system. Although Ant Borrowing Sen Chunbei is overdue for less than 3 days, it does not affect personal credit reporting, but it may have a negative impact on Sesame Credit Score, thereby affecting the credit line of Loan.

The impact of borrowing on housing loans1. Affect loan approval: If borrowing is used frequently, or borrowing is often overdue, the mortgage will be directly rejected. 2. Settle off before you can get a loan

Once the loan is borrowed, whether it is an individual or a seller, the loan must be paid off and the settlement certificate must be provided before applying for a housing loan. 3. Reduction of the mortgage limit: Some banks will reduce the amount of the mortgage after finding that the customer has borrowed, generally minus 1-5 times the amount of the borrowing amount.

4. Floating interest: If you are very short of money or have a low income when using borrowing, the bank will cancel the preferential loan interest rate when approving it, or even increase the interest. In addition, there are micro loans, Jingdong Baitiao and other businesses that will also be marked as "small loans" in the central bank's Napei Credit Information Center, and people with small loan records are the objects that need to be cautious in the bank loan review.