Can I still get a loan if my online loan is overdue, and if my online loan is overdue, can I still g

This is not absolute, the first thing to see which one you are overdue, and then see if they are on the credit report, if they are not on the credit report, it is still very easy to deal with,

How long is it overdue? How much sesame seeds?

1. Put down the seeds.

After the online loan is overdue, the reason why the borrower does not dare to let the family know is because he is afraid that the family will blame him, and at the same time, he is afraid that his relatives and friends will know that he will not be able to save face. In fact, it has reached this point where the mountains and rivers are exhausted, what can you take into account that you don't have to face? Put down your face first, put it on the ground and rub it, and tell yourself that now that you have no face, you must confess.

2. Find out why.

Find out why you are borrowing so many online loans? Why did you find yourself in such a situation? What did you do with all this money?

If you take all this money and squander it somewhere else, slap yourself hard and tell yourself never to do such a stupid thing again. If the money is used to do business and the turnover of funds is lost, at least it means that you are still a self-motivated person, summarize the reasons for the failure of the business, and start all over again.

3. Prepare for the worst.

What would be the worst outcome after you confessed? How do you deal with it? As parents, there will be a calf protection psychology, they are afraid of the child frightened, often borrow money to help the child pay off the online loan, if you meet such parents, it is a blessing from eight lifetimes, remember to go ashore, never touch the online loan again, even if there is no money to sleep on the street, you must not touch.

If your parents have a bad temper and beat you up and scold you, don't think about it, at least let your parents be mentally prepared when they face harassment by collectors, at least they won't be so angry that they fall over.

4. You have to rely on yourself when you go ashore.

Confessing is just to make yourself feel more relaxed, and if you want to go ashore, you have to rely on yourself. Calm down and analyze, get a credit report from the public such as Yuncha data, and find out what online loans are currently owed? Which ones are on the credit report?

Which ones are not on the credit report? What can be delayed, slowed down? What is outside the statutory interest rate?

Do it in your heart, discuss the online loan of the money that is on the credit investigation and are eager to repay the money, and see if you can repay the loan in installments? Calculate how much you're going to pay back each month and work hard to make money! There is only one goal every month, and that is to pay back the monthly payment, stick to it for a year or two, and you will successfully go ashore.

You can still apply for a loan after the online loan is overdue, but whether you can successfully apply for it depends on the situation, and it depends on whether the online loan platform will be on the credit report, the third-party platform credit report and the big data credit report. If you are on the credit report, the next time you apply for a loan, the loan company will see your personal credit history from these systems, and of course you will also see your overdue record, which will make the loan company carefully consider your application, because the loan company will avoid risks and reduce losses, so try to pay off all the arrears, so as not to affect your future card application and loan application.

Extended Information: Personal Loan Conditions:

1. Natural persons aged 18-60 years old (Hong Kong, Macao, Taiwan and foreigners are also acceptable); Have a stable job and income, and the ability to repay principal and interest on time.

2. The age of the borrower plus the loan application period shall not exceed 70 years old, and the borrower shall provide some personal information.

If the online loan is overdue, you can re-lend, and you can change the platform, because the platforms are not interoperable now, but it is not recommended to take out another loan, and it is very dangerous to take out a loan to support the loan.

Consequences of overdue: bear a high amount of overdue; facing a national crisis of confidence; People's Bank of China credit stain; The defendant goes to court.

Legal basis] Article 676 of the Civil Code, if the borrower fails to return the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or the relevant provisions of the state.

1.If the online loan is overdue, you can still get a loan, but it will have a certain impact on the loan.

2.If the online loan is overdue, it will have a certain impact on the borrower's credit, and it is not easy to apply for a loan in those institutions that have strict credit review for the borrower, and it is only good to apply for it on the loan platform that does not have high credit requirements.

Legal analysis: You can borrow again when the online loan is overdue, because the online platform is not interoperable, you can go to other online platforms to borrow, but the interest on the overdue online loan is very high, and the high interest and the corresponding liquidated damages will be the first thing you need to face. If you don't have a good estimate of the future, don't take out online loans.

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

Article 667 A loan contract is a contract in which the borrower borrows money from the lender and returns the loan at maturity and pays interest.

Article 680:Usurious lending is prohibited, and the interest rate on loans must not violate the relevant provisions of the State. If there is no agreement on the payment of interest in the loan contract, it shall be deemed to have no interest. If the loan contract is not clear about the payment of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined in accordance with factors such as the local area or the parties' transaction methods, trading habits, and market interest rates; Where natural persons borrow money between themselves, it is deemed that there is no interest.

My net bag is overdue for half a year, why can I get a mortgage when I buy a house? It can be seen that the capital chain between banks and real estate has a tense trend...

Credit card overdue note that as long as the timely repayment has little impact on the loan, there are a total of 13 situations in the eyes of the bank will leave a bad record and affect the loan

1. The credit card has been overdue for three consecutive times and six times in total.

2. The monthly mortgage payment is overdue or non-repayment for 2 to 3 months.

3. The monthly payment of the car loan is overdue or non-repayment for 2 to 3 months.

4. The loan interest rate is raised, and the "monthly payment" is still paid according to the original amount, resulting in overdue interest.

5. Water, electricity and gas bills are not paid on time.

6. Cashing out of personal credit cards.

7. Student loans are not repaid in arrears.

8. If the "sleep credit card" is not activated, it will still incur an annual fee, and if it is not paid, it will have a negative credit history.

9. Credit card overdraft consumption and mortgage loans are not repaid on time.

10. When providing security to a third party, the third party did not repay the loan on time.

11. The personal credit report will also record some of the court's economic judgments. As a result, financial disputes such as non-payment can also affect credit history.

12. The mobile phone deduction is linked to the bank card deduction, and if the relevant procedures are not handled after the mobile phone is deactivated, it will also cause a bad record if it is overdue due to the arrears of monthly fees;

13. Credit card arrears records are generated by fraudulent use of ID cards or copies of ID cards by others.

The above 13 types of situations will lead to the borrower's personal credit record of bad records, and in serious cases, it will enter the bank's "blacklist". In addition, if the borrower has overdue loan repayment or credit card repayment overdue, the bank should also analyze whether this overdue is accidental, if it is occasionally overdue, and the time is not long, the bank will still give preferential treatment, but in some cases, such as according to the bank, if the number of overdue times is more than 3 times, it will affect the loan.

It needs to be determined based on the individual's qualifications.

Conditions for applying for a loan business:

natural persons between the ages of 18 and 65;

The actual age of the borrower plus the loan application period should not exceed 70 years old;

Have a stable occupation, stable income, and the ability to repay the principal and interest of the loan on time;

Good credit investigation, no bad record, and the purpose of the loan is legitimate;

Other conditions imposed by the Bank.

Try to borrow money without credit reporting.

Whether you can take out a loan after the online loan is overdue mainly depends on the online loan product you choose

If the online loan you apply for has been connected to the credit information system of the People's Bank of China, once it is overdue, it will be reported to the credit information system in the same way as the overdue credit card. Once the credit report is reported, it will leave a bad credit record on the personal credit record, which will hinder you from applying for a loan in the future, and if the overdue situation is serious, you may enter the blacklist and be unable to apply for a loan again.

Extended information: Online lending is the abbreviation of online lending, including individual online lending and commercial online lending. P2P online lending refers to direct lending between individuals through Internet platforms. It is a subcategory within the Internet Finance (ITFIN) industry.

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

In September 2019, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Lending Risks jointly issued the Notice on Strengthening the Construction of the Credit Information System in the Field of P2P Online Lending to support the access of P2P online lending institutions to the credit reporting system.

Online lending includes individual online lending (i.e., P2P online lending) and online small loans. Individual online lending refers to direct lending between individuals through Internet platforms. Direct lending on individual online lending platforms falls within the scope of private lending, and is regulated by laws and regulations such as the Contract Law, the General Principles of the Civil Law, and the relevant judicial interpretations of the Supreme People's Court.

Online micro-loans refer to the micro-loans provided by Internet enterprises to customers through the microfinance companies controlled by them. Online microloans should comply with the existing regulatory regulations of microfinance companies, give full play to the advantages of online loans, and strive to reduce customer financing costs. The online lending business is supervised by the China Banking Regulatory Commission.

A large number of online loans are overdue, the most direct consequence is that they will be collected, and the resulting penalty interest and interest will snowball day by day, if not solved as soon as possible, the longer it drags on, the more it can not be paid off, first of all, the overdue online loans are classified, list the ones on the credit and those who are not on the credit, and the credit will look at which will be the big data of the online loan, and then give priority to the credit information, followed by the big data of the online loan, which is a lot of related to our personal credit.

If the overdue time is too high, you can try to negotiate the repayment to see if you can reduce part of the interest, especially if the annual interest rate exceeds 24%, and the excess part will not be protected by law; Second, see if the repayment period can be extended, preferably the kind of interest-free installment.

In the end, you have to repay the loan. The most critical place is that the money comes from the **, in the case of insufficient income, it is recommended to confess to the family, to see if you can pay off with the help of your family, if you can't find relatives and friends to borrow money, there are many ways to borrow money, but remember not to use the card to raise the card, to borrow the loan, otherwise you will let yourself fall into the quagmire and cannot extricate yourself.