How to repay the online loan, the pressure is so great, and it is about to collapse?

Seriously, if you borrow an online loan to spend and squander, you are not on the collapse now, you should bear it, but now you have spent it, you must be responsible, you can increase your own income, or borrow money from your family first, and the kind without interest will repay this high-interest online loan first, or use a credit card to withdraw a part, in short, the interest rate of the online loan is too high, you have to find a way to repay the high interest with low interest, pay it back first!

If you have a lot of online loans, but the pressure is high, you must find relatives and friends around you in time and ask them to help you repay it, and you can repay them again.

If there is a cause, there must be an effect, and you can figure it out by yourself.

If you owe too much debt and can't repay it, you can use the following methods:

1. If you are temporarily unable to repay your debts, you can negotiate with creditors to repay in installments, postpone repayment or reduce debts.

2. If the other party does not agree to postpone or reduce the debt, and wants to sue the debtor, then after the lawsuit, it is necessary to actively respond to the lawsuit and strive to achieve the purpose of repayment in installments or within a time limit in court;

3. If the other party does not agree to extend or reduce the debt, the court will not support it and will repay all the debts within a time limit. If the creditor is able to repay but refuses to pay, the creditor may apply for enforcement. But enforcement does not go to jail because of civil liability.

There is no criminal issue involved;

4. If the debtor really has no money to repay, even if the other party wins the lawsuit, the court will enforce it.

Personnel know that it is impossible to execute without money. Only if the money is refused to be returned, can the court arrest people, including judicial detention.

or pursue criminal responsibility for the crime of refusing to perform on an effective judgment;

5. In accordance with legal procedures, the people's courts shall use the coercive power of the state to clarify and specify the specific enforcement content of the legally effective documents, and compel the civil obligor to complete the obligations it undertakes, so as to ensure that the rights of the right holder can be realized.

Online lending, foreign name is Internet lending, P2P online loan is the abbreviation of online lending, including individual online lending and commercial online lending. P2P online lending.

It refers to the direct lending between individuals through the Internet platform. It is a subcategory within the Internet Finance (ITFIN) industry. Online lending platform.

The number of companies in China grew rapidly in 2012, with about 350 companies active so far, and the total number of companies as of the end of April 2015 was 3,054.

As P2P online lending is still an emerging industry in China.

Therefore, the state has not yet regulated it in a targeted manner. There is no doubt that the P2P online lending business is helpful in solving the financial problems of small and medium-sized enterprises, as a private loan.

Although the loan cost is higher, the fast arrival time of funds and the lower loan threshold than the bank are the reasons for the choice of enterprises, especially for solving the short-term temporary capital turnover.

Nowadays, many people are living on loans. All kinds of credit card online loans are overdue and cannot be repaid. Every day, they receive nightmarish **.

So how do we get ashore?

You must be clear about how much you owe and have a clear understanding of your debts, so that you can choose the right way to deal with them.

Of course, it is a matter of course to repay debts, but what if many borrowers can't pay them back? Here, too, I have some good news for you:

First, when the arrears of the online loan cannot be repaid, the repayment can be deferred through formal channels and the collection can be stopped;

Second, after the credit card is overdue, you can also apply for principal installment to reduce interest and penalty interest;

Third, all online loan platforms can reduce or exempt the service fees, insurance premiums, and guarantee fees overcharged.

Finally, I would like to tell you that all loan platforms, including Ping An Puhui; Whitney's illegal tying service fees, insurance premiums, and guarantee fees are reasonably refundable. If you don't know how to do it, check the above works and regret it, I'll tell you!

The solution is as follows: Installment repayment allows us to choose the repayment amount according to our own ability, which reduces our repayment pressure. It should be noted that different loan products will have different installment periods and handling fees, so you should first understand the score and handling fee of your loan before choosing this method.

The minimum repayment amount can be a good solution to the embarrassing situation of insufficient funds in our hands and unable to pay off the loan in full. Generally, if you choose to make the minimum payment, you only need to pay off 10% of the loan amount. However, it is more suitable to alleviate urgent needs and reduce the pressure of repayment in the current month.

Because if you choose it, you can't enjoy interest-free and start from the consumption interest. If you really encounter difficulties and none of the above methods can be chosen, it is recommended to negotiate with the platform to strive for a suspension or partial suspension, and do not stop repaying the loan on your own. Generally, the loan is not repaid, and there are the following situations:

1. Penalty interest and liquidated damages. If you don't repay the loan, the first thing you will encounter is a high penalty interest, and some financial institutions need you to pay a pre-default pure money on the basis of the penalty interest, which adds up to a lot of expenses. 2. Damaged credit.

If you borrow money from the bank and don't pay it back on time, your personal credit report will be stained, and it will be even more difficult to apply for a credit card or loan in the future. Even if a microfinance company is not included in the credit investigation, there is a shared "blacklist" system in the circle, and if one does not repay, it will be difficult to approve the loans of others. 3. Collected by various means.

Both banks and microfinance companies have their own collection systems. The primary ones will send you text messages, call ** reminders, and more serious ones, and even have collectors close to you 234 hours, seriously disrupting your work and life. 4. If you are sued, your assets may be sealed.

Financial institutions will also arm themselves with the law. If the arrears are not repaid, and the amount is relatively large, they will be sued. Once the court has pronounced the verdict, you must enforce the "repayment award" even if you are 100 reluctant, otherwise, the court will seize the property in your name according to the law and use the auction proceeds to pay off the arrears.

Legal analysis: How to deal with the money owed to the online loan that cannot be repaid: 1. First of all, you must let the other party know that the money will be repaid, and the voucher must be kept complete, and the repayment period, interest calculation and default consequences of the loan amount must be agreed; 2. If the repayment deadline has come and you have no money to repay, this is to negotiate the repayment time with the borrower; 3. Negotiate with the other party to pay off the debt in installments.

Legal basis: Criminal Law of the People's Republic of China.

Article 266:Whoever defrauds public or private property and the amount is relatively large, shall be sentenced to fixed-term imprisonment of three years, short-term detention or controlled release, and/or a fine; where the amount is huge or there are other serious circumstances, a sentence of between 3 and 10 years imprisonment is to be given, and a concurrent fine is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or indefinite imprisonment is to be given.

and a fine or confiscation of property. Where this Law provides otherwise, follow those provisions.

Civil Code of the People's Republic of China.

Article 678 The borrower may apply to the lender for an extension of the loan period before the expiration of the repayment period.

If the lender agrees, it can be extended.

Forget about civil disputes.

The solution to owe a lot of online loans:

1. Priority is given to loans with credit information. Online loans are divided into those that are on credit and those that are not on credit information, and loans that are on credit should naturally be paid more attention.

2. Seek help from family, friends, and all possible resources.

3. Make a reasonable repayment plan. First of all, we must list all the online loans that we owe money, and the interest rate from high to low. Regardless of the amount, the interest rate is higher first.

Legal basis

Article 577 of the Civil Code.

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

Article 578 of the Civil Code.

If 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 it to bear the liability for breach of contract before the expiration of the performance period.

How to deal with the money you owe online loans and can't pay them back:

1.Be sure to let the other party know that the money will be repaid, keep the voucher complete, and agree on the repayment period of the loan amount, interest calculation and default consequences;

2.If the repayment deadline has come and you have no money to repay, this is to negotiate the repayment time with the borrower;

3.Negotiate with the other party to pay off the debt in installments.

You can explain the situation to your family and ask for their help to repay the loan as soon as possible. Or contact the lender to ask if you can repay the loan in installments, and the debtor can also look for a job and get paid as soon as possible to pay off the debt.

What are the consequences of overdue online loans?

1. Penalty interest and liquidated damages.

If you don't repay the loan, then the first thing you will encounter is high interest and corresponding liquidated damages, if you don't want to get yourself into the loan quagmire, it is best to develop good repayment habits.

2. Credit will be damaged.

Whether it is borrowed from the bank or the money from the online loan platform, if there is a phenomenon of overdue repayment, it will be much more difficult to apply for a credit card or loan in the future. Some people think that the overdue repayment of online loans has no impact on their credit reporting. In fact, this idea is wrong, at this stage, there is a system of interconnection and encryption between the online loan platform and the central bank, and there will also be a shared "blacklist" system in the online loan platform, which can check your credit in minutes.

Stop repaying, want to confess at home, don't hide it, because the other party will ** your address book is good, take a credit report and look at it, enter the online loan of the credit report, a small filial piety and a friend shouting to talk, repay the loan in installments, if you can't talk about it, keep talking, don't pay attention to the high interest, let your heart calm down, and work steadily.

First, sort out your loan details. Distinguish between formal and informal, formal priority repayment, and informal first delay.

Second, find a bank loan, the bank's interest is the lowest, and your future repayment pressure is also the smallest, you can negotiate with the regular online loan platform to reduce part of the repayment after the loan comes out. As for the irregular ones, if you have the money to pay it back, you don't have the money to forget it.

4. Make a repayment plan. In"Get a credit report in a small program like "Quick Card Test", and classify all the debts of the debtors, such as credit cards, installments, and short-term 714 types, and count the amount and total amount respectively, and then remark whether the credit is on the back of each loan. Priority is given to repaying the credit, and those who are not on the credit report are put first, followed by those who owe less can be repaid first, and do not renew the extension time, which is not suitable for people who are forced to go ashore, a waste of money.

It is necessary to pay attention to the trend of loan platforms, and now many platforms are successively on credit information.

5. Don't use loans to support loans. Sometimes what is lacking is decisiveness, and taking out a loan will only pay more and more, and it will not relieve your pressure, and soon you will be able to feel the pressure of repaying every day.