How to confess to your family for a second time with a lazy online loan?

As a person who went ashore, I tell you about my experience. We are about the same age and situation, but I really failed to start a business, but I don't want to tell my family that although I go to work, I can't afford to repay all kinds of loans, tear down the east wall and make up the west wall, and the more I owe, the more I owe. That period of time lasted for about four or five years, it was really miserable, at least half a month I received repayment text messages every day, and dunning**, especially when it came to the day of repayment, it was really cheeky to borrow money everywhere, and it was common to be rejected.

Later, I still mustered up the courage to confess to my family, and you don't have to be afraid of the family's blame and accusation, that's because you deserve it, this is what you should face, after all, now all this is caused by yourself, but you think about yourself and your family, if you owe more and more to the family and can't help you, what should you do at that time? Go to S? That's not worth it, it's a good youth, you can still live a good life with a lot of time to change your evil and return to the right, don't take the wrong path (you must not do things that commit suicide and break the law, that can't be saved), and when you come over, you will only feel that it is just a dream when you think about it!

So, I was still persuaded by my girlfriend to force myself to confess to my family, although the family blamed but still asked me for all kinds of help, pay attention, you have to pay it off at once, otherwise it will roll more and more, this is a dead cycle.

Now 200,000 is still a situation that ordinary families can find a way to deal with, if another friend of mine rolls to the back of 70 800,000, it will be very miserable to sell cars and houses, and the marriage is divorced, and none of the relatives in the family recognize it, that is the loneliness! Brother, hurry up and go ashore, don't hesitate, because your hesitation every day is adding more burden to yourself and your family.

Now that you know you're not doing it right, why not work hard? Even if you don't have a good education, you don't have a good job, you have to earn money in a down-to-earth manner, not only do you not break out of the world by yourself to share the burden of life for your parents, you also let the family debt so much money for you, if your parents are rich, you can squander it, if it is an ordinary family, this huge amount of money is the sky for your parents.

In your current situation, you'd better learn captcha. Stop it immediately, it's still too late, otherwise you will spin down on the online loan and confess to your family It's also a good thing to show your determination. Pay off your debts with your own efforts.

Be honest, then change your mind and work hard.

If the online loan is not creditworthy, it is recommended that you do not tell your family, because it has helped you this time. Next time you will do it, you will only owe more and more, and it will be directly overdue, and you will repay the principal when you want it.

Conditions for applying for a loan business:

1. Natural persons aged 18-65 years;

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

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

4. Good credit and no bad record;

5. Other conditions stipulated by the bank.

Before confessing to your family members about online loans, you should be prepared to be blamed or even scolded by your family members, build yourself psychologically in advance, and think about how to confess to your family members to minimize their anger value.

Make an appointment with your family in advance, preferably one-on-one in the room, create a serious atmosphere, and then confess. This will allow the family to be mentally prepared in advance for what you are talking about, and reduce the impact of the incident itself on them.

After confessing, you must patiently explain it to your family. If you are taking out a more reliable and low-risk online loan like Huabei, then you should carefully explain the risk, amount, and amount of your loan to your family members to reassure your family. If you have borrowed far more than your family can afford, you should apologize patiently and sincerely, plan your repayment plan, and act on it in the days ahead.

If you can't afford it, you must tell your family, don't bear it yourself, and discuss a reasonable and legal way to repay the money. If it is a loan shark who calls the police directly, don't think about suicide, you are not afraid of death, but you are afraid that the fish will die and the net will be broken? Public opinion and policies are on your side.

The sooner this thing is, the better, and it's better to be honest. If the matter is serious, you can call the police and ask the police for help.

I also took out an online loan, and I explained it directly to my family, and I paid it all back at once, don't pay back half and keep half, and get myself into it, confess directly, and don't touch it in the future.

I think we should tell the truth, when it started, what the reason, and how much money we bring, we must be frank and clear, explain it as soon as possible, and the more it is delayed, the more it will not lead to a tragedy.

If you apply for an online loan, then tell your family directly that you have applied for an online loan, and you can repay the money, and at the same time promise your family that you will not borrow online loans in the future, and you will work hard or study hard in the future.

About online loans. In real life, whether it is a bank or an online lending platform, there will be a professional risk control department to evaluate the borrower's repayment ability, and one of the most indicative of the borrower's repayment ability is stable work and income.

If there is no income, then the money lent by the platform is likely to not be recovered, which will be a loss for the platform.

With so many users, the platform must give priority to people who have stable jobs.

Therefore, when we apply for an online loan, we will be asked to fill in the name of the work unit, and some of them also need to work in the company for more than 6 consecutive months.

How to succeed in online loan without income?

Seeing this, are you starting to worry? If you really have no income and need money urgently, can't you borrow?

No, no, no, I'll give you some tips to see what you can do to apply for an online loan when you have no income

1. Choose the right platform for you.

A general loan is a line of credit, but if you don't have a job and no income, then you can choose a mortgage or secured loan.

Some online loan platforms can also be mortgaged, generally Chan Zheng is to mortgage real estate and car, if there is no house or car, you can also take out a credit card loan, why can you use a credit card to argue for a loan? Because for the online loan platform, you can have a credit card that can be used normally, then your qualification is recognized by the bank and has a certain guarantee.

If you don't even have a credit card, you can apply for some platforms with a relatively low threshold, but the interest rate is relatively high, it is not recommended that you borrow such a high-interest loan, or I hope you should stay rational when you need money urgently!

2. Explain the situation to the online loan platform.

At this time, you can fill in the name of your former company when you apply for a loan, and when the platform calls ** to come to the electronic review, you must truthfully explain the situation, although you have resigned, but you still have the salary not received, and you have the ability to repay.

If you are a freelancer or do your own small business, when you do not have a company name to fill in, you must explain the situation to the platform and prove your own earning ability, repayment ability, etc

Are you out of money to repay? can help you out.

If you can't repay the online loan, you can directly tell your family that you have applied for an online loan and are unable to repay it now, and hope that your family can help you repay the loan, and then repay it to your family after graduation.

The loan is overdue. Loans are overdue, there are short-term and long-term, and the consequences are different depending on the length of time they are overdue. However, most people have many misunderstandings about overdue loans, and they don't find out that it's too late to regret until they have serious consequences!

Short-term overdue loans and consequences.

1. High fines and liquidated damages.

After the loan is overdue, in addition to the interest and principal, you also need to pay high penalty interest and liquidated damages when repaying.

2. Leave personal credit stains.

There will be an overdue record on the credit report, which will be retained for 5 years even after repayment. Overdue records will affect almost all subsequent financial activities of the overdue person.

3. Receive SMS** collection.

The lender will continue to send text messages and call ** to collect the overdue funds, inform the borrower of the serious consequences of overdue, and order the borrower to repay the overdue principal and interest within a time limit.

Long-term overdue loans and their consequences.

Generally speaking, overdue for more than 90 days will be regarded as maliciously overdue by the lender. Banks can sue for collection of malicious overdue payments of more than 90 days, regardless of the amount. After the court makes a judgment, release to the public information on judgment defaulters (lai), restrict their high consumption, restrict travel by airplane, and high-speed rail.

As the regulatory bureau is becoming more and more strict, and the online loan platform is becoming more and more standardized and strict, many online loans are now on the credit report, so the credit record is a matter of great concern to all borrowers.

1. The processing of online loan credit records is very "humane";

Compared with traditional banks, online loan credit is much more humane, that is, it will give a certain grace period for unintentional overdue due to temporary negligence, but if you are in arrears for a long time, it will be easy to have a taint record of borrowers, which is also a key reminder in the credit system, and the impact on individuals is very serious!

2. The retention period of bad credit reporting records of bank loan defaults is 5 years.

According to the "Regulations on the Administration of the Credit Reporting Industry", the retention period for credit reporting establishments of negative personal information is 5 years from the date on which the negative conduct or incident is terminated. After the repayment of principal and interest and liquidated damages, other banks will not be able to check the bad record for more than 5 years. It is important to note that the credit stain will remain in place until the loan is settled.

So you must cherish your credit history.

3. The retention period of credit card overdue bad credit records is 2 years.

Credit card repayment information will be recorded by the central bank's credit information system for 24 months, and if the card is cancelled, the record will be kept for a long time. Therefore, it is recommended that credit card users continue to use the card for two years after paying off the arrears, and maintain good credit during the period, so that the bad records can be removed from the credit reporting system by rolling records.

The above three are all based on short-term default, if the overdue is too long, and the overdue information has been uploaded to the People's Bank of China, then pay off the debt and wait for 5 years for the system to automatically eliminate it.

Online loans have a great impact on personal credit, and have an impact on buying a house and a car in the future.

This matter is considered in two directions:

1 Use eloquence to correct the reasons for the online loan! (If you do the right thing), explain the reasons and ideas, and the plan and determination! The ending is generally very exciting! The hat of rebellion should be buttoned up.

2. Parents do everything for their own good, admit mistakes, do not stubbornly mouth, let them count down, listen carefully to the teachings, correct well, and make up their minds not to make any more mistakes, and finally, how to be sweet, how to say filial piety, adults love children, children are sweet adults, and they are complete. (Quietly for an example: although my son analyzed my 15-digit Alipay password and stole 300 yuan, I beat him but I was also very happy.)

Can you understand the meaning of this example? ）

Well, take your pick.