How to deal with the overdue inability to repay the online loan

If you are unable to repay the online loan, you can contact the customer service staff of the loan platform for negotiation, explain to the other party that you are not able to repay the loan for the time being, and provide corresponding supporting information, indicating that you do not deliberately fail to repay the debt, and express your sincere intention of repayment, and then you can try to apply for an extension of the repayment period and repay the arrears in installments, and the loan platform should consider it as appropriate.

In addition, you can also try to borrow money from wealthy family and friends to raise funds to repay the arrears, pay off the arrears first, so as not to delay and incur more expenses, and then repay the money to relatives and friends after the funds are turned around.

It is recommended that you can learn about your current credit situation in the "Xiaoqi Credit Check", get rid of bad loan application habits, and cover untrustworthy behaviors with new good payment records.

The overdue inability to repay the online loan needs to be handled as follows:

Affirmation: It is very important to deal with the problem of overdue online loans.

Instructions:1Understand the overdue status: First, the borrower should contact the borrowing platform to understand his overdue status, including the overdue time, overdue amount, overdue interest rate and other information.

2.Negotiate with the borrowing platform: The borrower should take the initiative to communicate with the borrowing platform, explain the reasons for his overdue, such as financial difficulties, emergencies, etc., and negotiate with the platform to formulate a repayment plan.

3.Repayment arrangement and agreement: After reaching an agreement with the borrowing platform, the borrower shall repay the loan according to the time and amount agreed in the agreement. If the repayment pressure is too high, you can request the platform to give an appropriate grace period.

4.Seek professional advice: If the borrower cannot reach an agreement with the borrowing platform, you can seek the help of a professional institution or lawyer to understand your legal rights and interests and find the best solution to the overdue problem.

Summary: The problem of overdue online loans requires borrowers to actively communicate and negotiate with the borrowing platform and formulate a reasonable repayment plan. At the same time, seeking professional advice can also provide more legal protection and solutions.

In any case, the borrower should abide by the loan contract and work to repay the debt in order to maintain his credit history.

Extended Information: The way in which the issue of overdue insolvency can be dealt with may vary depending on national law and circumstances. In China, the relationship between the borrower and the lending platform is usually governed by relevant laws and regulations, such as the Contract Law of the People's Republic of China and the General Principles of the Civil Law of the People's Republic of China.

Therefore, when dealing with overdue issues, borrowers are advised to read and understand the relevant laws in advance to ensure that their legitimate rights and interests are not violated. In addition, according to the relevant laws of China, the borrower acquiesces that the borrowing platform may take legal means to recover the debt, which may have a serious impact on the borrower's credit history and personal financial situation. Therefore, before borrowing, borrowers should carefully consider their repayment ability and keep a close eye on their financial situation to avoid the risk of overdue problems.

If it is temporarily unable to repay, the debtor may repay it in installments with the consent of the creditor or the ruling of the people's court. and where they have the ability to repay and refuse to repay, the people's court is to make a judgment to compel repayment. Online loans are divided into those that are on the credit report and those that are not on the credit report, and the repayment priority is given to the loans that are on the credit report.

If you go to the credit bureau and owe a credit card, you will negotiate a fixed amount of repayment with the staff to ensure that you will repay it, and the whole process will be recorded. When negotiating repayment with banks and loan companies, the other party will pick up **, come to you and see him, don't not pick up**, and don't hide from anyone, otherwise the other party will call the police and be characterized as a fraud, and it is really possible to go to jail. If you encounter banks and collection companies that collect money, try to be tactful in your attitude, tell them to try not to disturb their families, and do not do some intimidating words and behaviors, so as not to frighten their family members, and tell them to pay it back slowly, and record or record the whole process as evidence.

Extended Information:1The essence of Internet finance is still finance, and it has not changed the characteristics of financial risks that are hidden, contagious, extensive and sudden.

Strengthening the supervision of Internet finance is an inherent requirement for promoting the healthy development of Internet finance. At the same time, Internet finance is a new thing and an emerging format, and it is necessary to formulate moderately relaxed regulatory policies to leave room and space for Internet financial innovation. By encouraging innovation and strengthening mutual support in supervision, we will promote the healthy development of Internet finance and better serve the real economy.

Internet financial supervision should follow the principles of "lawful supervision, appropriate supervision, classified supervision, coordinated supervision, and innovative supervision", scientifically and reasonably define the business boundaries and access conditions of various business formats, implement regulatory responsibilities, clarify the bottom line of risks, protect legitimate operations, and resolutely crack down on illegal and irregular behaviors.

2.Online lending is different from financial institutions, financial institutions are "net capital" management, whether it is a bank or a trust company must have its own registered capital, its registered capital is less than hundreds of millions, more than a billion or even billions, and the registered capital is not used for operation, but a kind of guarantee, a kind of "threshold". However, due to the low threshold of online loan companies, there is no guiding opinion, and platform software can be bought in thousands to tens of thousands, and many people who owe a lot in private loans have bought a platform virtual borrower and virtual collateral items to attract investors to invest at high interest rates.

The high interest rate is generally at least 30% per annum, and some platforms reach 50% to 70%.

If the repayment of the online loan is overdue, it will cause the following adverse consequences:

1. Penalty interest will be charged from the day of overdue until it is fully repaid. The penalty interest rate of many loan platforms will rise compared with the borrowing interest rate, and if you continue to default on repayment, I am afraid that there will be a lot of penalty interest, and there will be more and more repayment at that time, and the repayment pressure will be increasing.

2. The loan platform will report the overdue situation to big data, leaving bad records in it. Some platforms or their cooperative lending institutions have access to the central bank's credit information, and may also report the overdue situation to the central bank's credit information, and the personal credit report will be included.

3. The platform system may control the risk of the loan account.

Freeze the quota so that you can no longer borrow. At the same time, because the credit is damaged, it is likely to be blocked to borrow from other lending institutions, platforms or banks, after all, the other party will also inquire about the credit status when approving the loan, and once a problem is found, it will naturally refuse to approve the loan. Borrowers apply for loans too often or carry out loan operations frequently, which will increase personal credit risk.

Yes, you can do it in the applet.

A quick check on the day and check the personal credit risk index is enough. The higher the risk score, the more likely it is that the application will be rejected.

If the online loan is overdue and unable to repay, it is recommended to negotiate with the online loan company first, and try to repay it in installments. At the same time, if the principal, interest and other agreements exceed the part supported by the law, you do not need to return it. Where the interest rate agreed upon by the borrower and the borrower does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it.

If you don't pay it back, you can try it, a few months of explosive address book harassment is not a collection, and a few months will also give you a penalty increase, and wait until a certain amount of money you are trying, and you won't be this when a third party comes to the door, I have a collection, I don't believe you can try,

Personal advice, if you are not able to repay, ask your family and relatives for help, because this overdue will affect your life, and when the time comes, the blacklist and credit will become a problem. No matter what, get through the difficulties in front of you, but you can't use your brains to the east.

If the online loan is truly unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments;

Non-repayment can have the following consequences:

1. Bear high overdue fees, for overdue fees, different online lending platforms have different names, and the charging standards are also different. 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, in the first stage, just a few days overdue, the platform customer service mm whispered softly and warmly reminded 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.

At present, most of the online lending platforms have not yet been connected to the credit information system of the People's Bank of China, but most of them have been connected to the big data of online loans, and you can check your big data situation on the blue ice data. 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.

Fourth, the defendant goes to court, after the loan is overdue for a long time or deliberately does not repay, after the amount exceeds 2000, it can already constitute a crime of fraud, and there is a risk of being sued by the online loan platform, once the court rules that the online loan platform wins the lawsuit, then the borrower has to pay the litigation costs and huge fines of both parties in addition to the money that needs to be repaid, and even faces imprisonment.

If you can't get on, you can't pay it back, for you to rack your brains and think about how to repay the money is to increase the pressure, the only way is to force you to go ashore, find a way to make money, and live.

There is no upfront cost for the project, you can do it after work, more than 600 a day, see it every day, and there is nothing to be afraid of.

What happens if the online loan is overdue, and what should I do if the online loan is overdue.

Negotiate repayment and communicate with the platform.

You can call** to explain the situation to the platform's customer service, I hope you can understand.

To answer your question, our system has assigned you the most professional answer, and in the next 5 minutes, he will answer your questions accordingly, because the current number of consultations is large, please wait patiently. You can review your question, complete the information, or add a description of your question.

Article 678 [Loan Extension] The borrower may apply to the lender for an extension before the expiration of the repayment period; If the lender agrees, it can be extended.

3. Don't borrow money anymore and stop there, and then find a job to go to work with peace of mind. Resist the pressure and use the money you earn to cover your debts.

1. Explain your own situation to the lending institution, apply for extension, and extend the repayment time; 2. Find another lending institution to apply for a loan fund, and use the funds to repay the loan first to avoid overdue; 3. If the remaining repayment amount is not large, you can borrow money from relatives and friends to turn around, and then repay the money to relatives and friends.

Alas, you should talk to your parents, and you should talk to your friends, so that you can repay the money and there will be no overdue.

It's better to be on it. Overdue will affect the credit report, see if you can find family members or friends to turn around.

You can borrow money from your family first and repay the loan first, otherwise you will become a dishonest person, and the impact is also quite large.

1. If the borrower really has no ability to repay, he or she shall negotiate with the lending institution to extend the repayment period or repay the loan 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.

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

4. If the lender has no property in his name that can be used for enforcement 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 he will be restricted from high consumption and entry and exit, and may even be subject to judicial detention.

First, the front. If the online loan is overdue and there is no money, you can also deal with it from the following aspects.

2. Specific analysis.

1. Under the premise that it is possible to repay the principal, you can first try to negotiate with the lending institution to repay the loan. 2. Calculate the interest of online loans, according to national regulations, the interest on loans shall not exceed 36% per annum. If the lender's interest exceeds 36%, it can negotiate directly with them, and only the legitimate interest will be repaid, and the excess amount will not be repaid.

3. If the overdue loan will be credited, then do your best to repay it first. It is advisable to confess to your family and face it together. Be sure to confess all your debts and pay off all that you can pay off.

4. Don't borrow money anymore and stop there, and then find a job to work with peace of mind. Resist the pressure, put your mindset right, and use the money you earn to fill the hole in debt.

Just need to search: Xiaoqi Xincha. Click to query, enter the information to query their own Baihang credit data, the data comes from more than 2,000 online loan platforms and UnionPay centers across the country, users can query their own big data and credit situation, can obtain various indicators, query their own personal credit situation, online black index score, blacklist situation, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit estimate and other important data information.

3. Will there be a record of querying the big data of online loans by yourself?

If you want to query online loan big data, you usually inquire at some private inquiry systems and third-party platforms.

There are a lot of private inquiry systems, and we should pay more attention to them when choosing, and choose those regular and large-scale institutions, which are generally used in the industry to do pre-loan review on the platforms of Beijian Quick Check, Xiaoqi Xincha, and Tongdun Data. Because small organizations are generally unreliable, if personal information is leaked, it can also cause security risks.

If you want to check the credit of the central bank, you can directly bring your ID card to the local central bank credit information center for inquiry; You can also go to the local authorized commercial bank outlets to inquire; Or you can log in to the official website of the central bank directly on the computer to make inquiries.

The central bank's credit investigation and online lending big data are basically unrelated. If you apply for an online loan, you will mainly focus on big data and platform risk control; The application for bank loans and loans from lending institutions and platforms that are connected to the central bank's credit information system are mainly based on the borrower's central bank credit report.