Is it reasonable to repay the principal of 45,000 after four months of home credit cash loan insult

This is unreasonable.

If you are maliciously insulted by the staff of the online loan because you owe an online loan, such behavior has seriously violated your basic rights, you can keep valid evidence and report it to the relevant department.

1. Home Credit is not a formal lending platform.

I looked up Home Credit on the Internet and found that there was a lot of negative news about Home Credit online. Some are about high interest rates, and some are about collectors. In general, Home Credit is not a formal loan company, you can understand Home Credit as a microfinance company, which is what we often refer to as online lending.

The collection of online loans is generally not formal, and they will put pressure on borrowers through various methods to achieve the purpose of urging borrowers to repay. <>

Second, you should keep valid evidence that you have been insulted.

If you encounter a bad collection, you should keep the **recording or **text message** as soon as possible, and verify the identity of the other party. If you have made it clear that the other party's staff is an employee, you can directly get this information and report it to the industrial and commercial department, indicating that you have encountered malicious collection. If the other party has posed a threat to your personal safety, you can directly take the relevant information to the police station and seek help from the police.

All in all, although the borrower's overdue situation is the borrower's fault, the collection staff collects the money through illegal means. <>

Three, you don't need to pay back the extra usury portion.

I don't know how much money you've borrowed in total, so I don't know how much interest you'll have to pay back in total. Judging from the $45,000 you said, the loan you borrowed should not be low. I can give you a stat,At present, as long as the annualized comprehensive interest exceeds 36%, this product can be defined as usury, and the usury part does not need to be repaid, and is not protected by law

You can calculate the annualized interest on the amount you owe and only need to repay the normal principal and interest. <>

It's not very reasonable, because you've been insulted by the collectors, and it's illegal for them to do so, and you can report these people at all, and it's too much money to pay back.

Unreasonable, because this interest is indeed a bit much, it stands to reason that there should not be so much interest, and if you let it pay back so much, it is also an unreasonable requirement.

Of course it's unreasonable, an agency like this can leave him alone, and if he bothers you, you can call the police to deal with it.

Of course, it's very reasonable, and I think this ** is very appropriate.

Home Credit is the big one in the financial industry.

Home Credit loans applied for in 2021 still need to be repaid.

On the one hand, the user has signed a loan contract with Home Credit, and the user must repay the loan in accordance with the contract; On the other hand, Home Credit has not stopped operating, and the money borrowed by users will of course have to be repaid. At the same time, Home Credit borrowing is on the credit report, and if the user does not repay the loan on time, then there will be an overdue record uploaded to the credit report. As long as the user repays the loan of Home Credit on time, only the information of timely repayment will be retained in the credit report, which is conducive to maintaining personal credit and will be helpful for subsequent applications for other loans.

Home Credit Finance 2021.

It is still possible to apply normally, and users can log in to Home Credit and other channels to view. At the same time, there has been an adjustment offline, and according to the latest understanding, at the end of March, Changsha offline Home Credit stopped business operations, and the relevant person in charge said that the structural adjustment will slowly change from offline to online in the future.

At present, although there are adjustments in Home Credit, it has not withdrawn from the credit industry, and can still provide credit products and services.

Central Bank Credit Reporting Responsibilities:

1.Responsible for formulating a unified national development plan for the establishment of a unified basic database of enterprise and individual credit information and a movable property financing registration system.

2.Undertake the construction of a unified national basic database of enterprise and individual credit information and a movable property financing registration system, and be responsible for the operation, maintenance and management.

3.On the basis of relevant state laws and regulations, organize and implement the operation of a unified national basic database of enterprise and individual credit information and a movable property financing registration system.

4.Responsible for formulating a unified national internal management system for the operation and maintenance of the basic enterprise and individual credit information database and the chattel financing registration system.

and business technical standards.

5.Responsible for the coordination of business and technical contacts with commercial banks and relevant parties, and the collection of credit information of enterprises and individuals.

6.Responsible for summarizing and analyzing data and information in the nation's unified basic database of enterprise and individual credit information, and promptly submitting analysis reports.

7.Provide commercial banks and relevant parties with credit information services for enterprises and individuals, as well as their value-added applications and market promotions, in accordance with law.

8.Accept objections in accordance with law in the operation of the unified national basic database of enterprise and individual credit information and the movable property financing registration system.

9.Responsible for organizing training on business knowledge and products of the national unified basic database of enterprise and individual credit information and the movable property financing registration system.

10.Responsible for organizing and promoting the establishment of a unified credit reporting platform for the financial industry.

11.People's Bank of China.

Other matters authorized or assigned.

Home Credit is a borrowing platform that has been operating for a long time, and many users have applied for loans on it. Recently, a user consulted Xicaijun and said what is the latest news of Home Credit in 2021? So let's briefly introduce it to you, I hope it will be helpful after reading it.

What's the latest news from Home Credit in 2021?

According to the display, the official channels of Home Credit Consumer Finance are still in normal operation, and there has been no bankruptcy or similar situations as users think. At the same time, there are still many users complaining about loan interest and collection, saying that the loan interest applied for on the platform exceeds the regulations, and the problem of harassment still exists after the deadline.

In addition, I would like to remind everyone that Home Credit Consumer Finance will still report the overdue situation to the central bank's credit information system, so users who plan not to repay or do not deal with it within the time limit should be prepared for personal dishonesty and stained credit records.

In addition to Home Credit Consumer Finance, no matter which platform users borrow from, they must be clear about two points. First, whether you have the ability to repay the monthly repayment amount, if not, it is recommended not to apply; Second, look at the platform's fees, especially the fees other than interest, estimate the total cost of borrowing, and don't borrow if it's not suitable.

Home Credit has always advocated rational borrowing and repayment according to the contract, and overdue repayment will not only produce unnecessary liquidated damages or penalty interest, but also have a negative impact on personal credit reporting.

Home Credit loans are generally required to be repaid on time and in full as agreed in the loan contract. If you need to consult Home Credit loan-related business, you can contact Home Credit company's official customer service for detailed consultation.

Once the borrower defaults, the borrower needs to pay the corresponding liquidated damages or penalty interest in accordance with the contract. If the borrower loses the lawsuit, the borrower will not only have to face the assets being auctioned off to repay the debt, but also need to bear the costs of litigation, preservation, enforcement and attorney fees. If the borrower refuses to repay, he may also be blacklisted, and generally on the blacklist of the person subject to execution, his consumption will be restricted.

The third personal credit report is affected Now many lending institutions have docked with the People's Bank of China credit information system, and the borrower's credit stain if he does not repay the money will soon be uploaded to the central bank credit information system, so it will be difficult to borrow through other lending institutions. The period of bad credit record is five years, and the bad record can only be eliminated if the loan is paid off within five years, which means that once the borrower does not repay the money, it will be difficult to get a loan or credit card from the bank in the next five years.

Extended Materials. 1. What should I do if I can't repay the loan?

1.Borrow money to repay the loan.

2.Apply for an extension, that is, extend the term of the loan, and the extension of the loan must not be lower than the original loan terms. The extension of the short-term loan shall not exceed the original loan term; The extension of the medium-term loan shall not exceed half of the original loan term; The long-term loan may not be extended for a maximum of 3 years.

If the customer does not apply for an extension or the application for extension is not approved, the loan will be transferred to the overdue loan account from the day after the maturity date.

Legal basis] Article 206 of the Contract Law stipulates that the borrower shall return the loan within the agreed time limit. Where there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 61 of this Law, the borrower may return it at any time; The lender may demand the borrower to return it within a reasonable period of time. (The Contract Law will expire on December 31, 2020).

Article 675 of the Civil Code provides that the borrower shall return the loan within the agreed time limit. Where there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may demand the borrower to return it within a reasonable period of time. (The Civil Code came into force on January 1, 2021).

Installment repayment is a monthly repayment of part of the principal plus interest, so even if you have repaid enough of the total amount borrowed, you have not paid off the principal, and the rest will still be repaid.

Home Credit's records are recorded in the central bank's credit information, if you don't pay it off, the credit report will be overdue, don't think about taking out a loan to get a credit card in the future, and you owe too much, you may be sued in court, jail and fine.

As long as your bill is generated, you must repay, there are two ways to repay the interest, one is to repay the same amount every month, this repayment method will pay off most of the interest and a small part of the principal in the first few months, and the majority of the principal will be returned in the next few months. Another repayment method is monthly equal interest repayment, as the name suggests, the interest you repay every month is the same, if there is a policy of early repayment, then early repayment can reduce the return interest. For specific repayment methods and interest settlement methods, you also need to consult with your local service provider.

Extended Materials. Loan interest refers to the remuneration that the lender receives from the borrower for issuing monetary funds, and it is also the consideration that the borrower must pay for using the funds. The bank loan interest rate refers to the ratio of the amount of interest to the principal amount during the term of the loan.

The interest rate of the loan contract with a bank or other financial institution as the lender is determined, and the parties can only negotiate within the upper and lower limits of the interest rate set by the People's Bank of China. If the loan interest rate is high, the borrower's repayment amount will increase after the loan term, and vice versa, it will decrease. There are three main factors that determine the interest rate on a loan:

Loan amount, loan term, loan interest rate.

The General Principles of Loans stipulate that:

1) Determination of loan interest rate: The lender shall determine the interest rate of each loan in accordance with the upper and lower limits of the loan interest rate stipulated by the People's Bank of China, and specify it in the loan contract;

2) Calculation and collection of loan interest: The lender and the borrower shall collect or pay interest on a regular basis in accordance with the loan contract and the relevant interest calculation regulations of the People's Bank of China. When the extension period of the loan plus the original term reaches the new interest rate level, the interest rate of the new term grade will be calculated from the date of extension.

Penalty interest will be charged on overdue loans in accordance with regulations.

3) Interest discount on loans: According to national policies, in order to promote the development of certain industries and regional economies, relevant departments can subsidize interest on loans. For loans with interest discounted by the relevant departments, the undertaking bank shall independently review and issue them, and strictly manage them in accordance with the relevant provisions of the General Principles of Loans.

4) Loan interest suspension, interest reduction and interest exemption: Except for the provisions of ***, no unit or individual has the right to decide on interest suspension, interest reduction, and interest exemption. The lender shall, in accordance with the decision of the lender, specifically handle the interest suspension, interest reduction and interest exemption in accordance with the scope of its responsibilities and authority.

Summary. You have already repaid 22 1300 = 28600, and if you repay more than 30,000 yuan, it is equivalent to a little cheaper, and the liquidated damages are too high.

Is it reasonable to repay the principal of 45,000 after four months of home credit cash loan insult in 2021?

Hello, cash loan insult for four months? It's four months overdue, right?

I borrowed 40,000 yuan, I want to pay back 60 of it, and I pay back 1300 every month I have already repaid it.22 I want to pay it back at one time, and they also want me to balance the three beats of the chain more than 10,000 yuan, and I don't want to pay it back now.

What if not.

40,000 yuan for 60 installments, 1300 per month, 60 1300 = 78000, 40,000 yuan for 38,000 interest, so expensive.

You have already repaid 22 1300 = 28600, and if you repay more than 30,000 yuan, it is equivalent to a little cheaper, and the liquidated damages are too high.

What can be done, I'm mainly afraid that he will beat up and harass my friends and family.

Negotiate early repayment first, and let them take out the contract to calculate.

He calculated, service fees, insurance premiums, flexible protection fees, etc.

This is also too dark, I think I can complain to the CBIRC, which will only make things bigger.

How to complain, will you eat Guan Si.

Complaints will not be litigated, and if they are not returned, they may sue you in the end.

I haven't overdue yet, but I really don't want to pay it back, what will happen if I am sued, is it that the plane and the high-speed train can't ride?

That's all for later, you are still paying it on time, and negotiate early repayment as soon as possible.