What should I do if the Yiren loan is overdue, and what if the Yiren loan is overdue

It is advisable to repay the arrears as soon as possible. If you do not repay the money all the time, resulting in serious overdue, you will face the following consequences:

1. Bear high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it's called overdue penalty interest, overdue management or other various names, the fees are very high. Therefore, if you have the ability to repay the loan on time, you should never overdue.

2. Bear the fancy collection of the platform.

Collection is generally divided into three stages: the first stage, just a few days overdue, the platform customer service mm softly and warmly reminds, telling you that you have been overdue, please repay on time; In the second stage, if it is overdue for a long time, the platform's customer service will seriously warn that it will face serious consequences if it is overdue; In the third stage, after a long time of overdue, the platform no longer persuades each other and begins to take practical action.

There are many kinds of practical actions, such as: the platform pushes your arrears information to your relatives and friends, so that you lose face in the circle of friends; The platform arranges special collection personnel to collect door-to-door, face-to-face communication and accounting. Of course, these are still relatively mild.

Some platforms outsource the collection and collect it by a specialized collection company, and the collection company that broke out some time ago is "violent collection", and I believe that borrowers are unwilling to encounter it.

Third, facing a national crisis of confidence.

At present, online lending platforms have established a blacklist system, and blacklist platforms have begun to communicate with each other. If you don't repay your loan on one platform, it will be difficult to borrow it on other platforms. In addition, online lending platforms will publicize the blacklist through their own WeChat, Weibo and other online channels, and even on large screens at railway stations and airports.

Let the people of the whole country know that these "old fools" borrow money and do not pay it back! Of course, except for those who owe money in bad faith, the average borrower will not go this far.

Fourth, the People's Bank of China's credit report produces stains.

At present, most online lending platforms have not yet been connected to the credit information system of the People's Bank of China, but access to the credit information of the People's Bank of China has become an inevitable trend. In the future, if the online loan platform fails to repay the loan overdue, it will be recorded in the credit information system of the People's Bank of China in the same way as bank loans and credit card overdue, resulting in credit stains. If the previous consequences are just disgrace, then the stain on the credit will affect the actual life, if you want to buy a house, you can't get a loan, you can't get a mortgage if you want to buy a car, and so on.

5. The defendant goes to court.

After the loan is overdue for a long time or deliberately does not repay, and the amount exceeds 2,000, it can already constitute a crime of fraud, and there is a risk of being sued by the online loan platform in court. Once the court rules in favor of the online lending platform, the borrower will have to pay the litigation costs and huge fines of both parties in addition to the amount that needs to be repaid, and even face jail time.

If the user does not repay the loan in Yirendai, he or she needs to bear the following consequences:

1. Overdue penalty interest and liquidated damages: If the user fails to repay the loan within the time limit, the customer service will contact the borrower to remind him to repay the loan, if the user still does not repay the loan after the grace period given by the customer service, then Yiren Loan will charge the corresponding liquidated damages in accordance with the requirements of the agreement, and the final amount of liquidated damages will generally be greater than the loan interest, which increases their repayment pressure.

2. Collection before being trembled: Once the loan is overdue, the collector will contact the borrower himself for collection.

<> have the following practices and consequences:

1. 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.

2. 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.

3. When the court accepts the compulsory enforcement, it will inquire about the real estate, vehicles, ** and deposits in the name of the borrower in accordance with the law.

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

5. In cases where there is the ability to refuse to enforce the judgment, it is suspected of the crime of refusing to enforce the judgment or ruling.

Article 6 of the Several Opinions of the Supreme People's Court on the Trial of Loan Cases by the People's Courts.

The interest rate of private loans may be appropriately higher than the interest rate of banks, and the people's courts in various localities may specifically grasp it according to the actual situation of their respective regions, but the maximum shall not exceed four times the interest rate of the same type of loan (including the interest rate of the principal). If this limit is exceeded, the interest on the excess part shall not be protected".

If the loan is overdue, there will be the following consequences:

1.Yirendai will carry out crazy collection on borrowers, disturbing their usual life.

2.Overdue Yiren Loan will incur overdue late fees and penalty interest, which you are required to pay by yourself.

3.Typing or texting people in your address book creates a negative image of yourself.

4.Your loan amount will be affected, and a severe Pleasant Loan will prohibit you from applying for a loan in the future.

5.When it is overdue for a long time, there is also the possibility of being sued by Yirendai.

With the continuous enrichment of online life, everyone began to handle some financial business through the Internet. For example, when many people have no money on hand, they will choose to use Yiren's loan for emergencies. Someone asked for help, saying that they were overdue for one day on Yiren Loan, and they didn't know what to do.

Here I will talk about what to do if the Yiren loan is overdue for one day.

Judging from what we have learned,The consequences of Yiren's loan being overdue for one day are not very serious, and everyone can pay off the arrears in time and pay a certain amount of overdue fees. In addition, after paying off the arrears, you should take the initiative to get in touch with the customer service of Yirendai to explain the reason for the overdue day and save your credit.

Pai Jian is here to talk about how much the overdue fee needs to be paid for one day of overdue loans. Yirendai's overdue fee consists of a repayment management service fee and a penalty for late repayment.

Repayment Management Service Fee = Principal and Interest Payable in the Overdue Period Management Service Fee Coefficient

Liquidated damages for overdue repayment for one day overdue = 1 of principal and interest that should not be repaid in the current period

Friends who have overdue oranges, must pay off the arrears as soon as possible, and don't delay any longer. Otherwise, it is likely to affect the central bank's credit and online credit. At that time, the punishment that everyone will face will be very severe.

The above has introduced what to do if the Yiren loan is overdue for one day, and I hope you will act quickly to avoid further expansion of the negative impact.