What if the bank can t afford to pay interest

First of all, your algorithm is wrong to say annual interest, and your daily earnings should be divided by 365 on top of the interest you are currently calculating, so there is not that high interest per day

Secondly, the bank has a developed capital transaction network, you can immediately lend your funds to the same industry (that is, other banks), for example, you put 100 billion yuan in Minsheng Bank, Minsheng hurriedly can't find a customer to lend 100 billion yuan immediately, it can quickly lend funds to other banks, this 10 billion, that 10 billion, a few minutes to get it, the interbank lending rate is about that, higher than the deposit interest rate, the bank is still profitable, so it will not be unable to take out the interest (can be collected, Here you go again;

Again, the bank can also deposit 100 billion yuan to the central bank, this interest rate often changes, but also one of the means of the central bank to regulate the liquidity of funds, the interest rate is high, immediately there are a lot of bank funds deposited, the market liquidity will decline, the monetary tightening; On the contrary, the silver root is loose;

Finally, you ask the bank, he collected 100 billion yuan from you, will he not be able to pay you interest with 100 million yuan every year? If you want to withdraw money, it will take out the money of other customers and give it to you, anyway, not everyone withdraws on the same day The bank relies on this. So the banks are afraid of a run.

Your worries are unwarranted.

Quite a hilarious question. Banks can't afford to pay interest? I don't even know what you think. People who have more than 100 billion yuan in cash still rely on deposits to eat interest?..

If the loan interest is not repaid, the user can choose to negotiate with the lending institution to apply for a reduction in the loan interest. If the user's repayment ability is insufficient due to special reasons, the application for interest reduction and exemption has a certain probability of success. Without special reasons, there is a high probability that the user's application for interest reduction will fail.

When the user repays, the principal and interest must be returned, and the interest will be deemed overdue if the interest is not paid off.

When applying for a loan, the loan page will show the interest accrued on the loan, and if the user thinks the interest is too high, then the loan application can be terminated. Once the user submits the loan application stating the approved loan interest, then after the loan application is successful, the loan needs to be repaid according to the repayment plan. In addition, users can also try to apply for a deferral of repayment, and if the extension is successful, it will not be considered overdue.

If the user just wants to apply for loan funds for consumption, then use loan products such as Baitiao and Huabei and choose to repay the loan in full when repaying, then only the loan principal needs to be paid without paying the loan interest.

1. Overdue fines: Regarding overdue fees, the names of different online loan platforms are different, and the charging standards are not the same, but whether it is called overdue penalty interest, overdue management or other various names, in short, as long as the overdue repayment is not repaid, a certain penalty interest needs to be paid, and some illegal institutions even have a daily fine of up to hundreds of yuan, which will bring heavy economic pressure to everyone.

2. Bad credit: In the era of big data, your loan application records, default status, and credit details will be detected and recorded by third-party credit reporting platforms, and your credit status can be understood in the clear data. Once the overdue payment is overdue, the ultimate victim is still yourself, and when you encounter financial problems again, you can no longer apply for a credit loan with good credit, and you can only choose a mortgage, which is very troublesome and inconvenient.

3. Court prosecution: The most serious consequence of overdue online loans is to be told to the court that if the lending institution chooses to sue you, it is easy to be required to force repayment, and the borrower needs to bear the litigation costs and huge fines of both parties in addition to paying the money that needs to be repaid, and if you refuse to repay the loan, you will even face jail time.

Summary. Hello, what to do if the bank interest is less: it should be borne by the customer, when the customer handles the deposit business in the bank, the bank's deposit business is handled for the customer in line with the voluntary deposit and free withdrawal, if the customer wants to withdraw the deposit after purchasing insurance, the bank as a service unit, can only be handled according to the needs of the customer, plus the customer should also fill in the application and purchase agreement when handling the insurance business, so the interest should be borne by the customer himself.

Hello, what to do if the bank interest is less: it should be borne by the customer, when the customer handles the early deposit business in the bank, the bank's deposit business is in line with the voluntary deposit and the freedom to withdraw money for the customer, if the customer wants to withdraw the deposit after purchasing Baoming fiber insurance, the bank as a service unit, can only be handled according to the needs of the customer, and the customer should also fill in the application and purchase agreement when handling the insurance business, so the interest should be borne by the customer himself.

The bank interest is automatically calculated by the system, and there will be no mistakes, if the staff gives you less, you can find him to deal with it. Everyone keeps their money in the bank, and the current one-year fixed spring pure deposit interest rate is only! However, in the first quarter, the CPI growth rate reached a point higher than the interest rate, if calculated according to the value of M2 minus GDP growth, the current real inflation level in China has basically reached about 6%!

This marks the advent of the era of negative interest rates in China, and the industry has calculated an account, and 200,000 yuan has been deposited in the bank with a net loss of 1,074 yuan a year.

The bank counted the slip, but the bank gave it at the time, and didn't give the whole number of 1000 money, what should I do?

Hello, this needs to go to the counter to process and collect the relevant certificates.

The bank said that the monitoring was only kept for a month, he said that he didn't see the monitoring for a long time, he said he couldn't see the monitoring, I teased Kai code is 2022 Shanwhich October 11 to handle this matter, at that time I had a hurry to go, Sun Qi didn't look at me and I only found out when I came back.

Hello, it was you who found the problem when withdrawing money, and did you call the police to deal with it after you found it?

Now at the bank, the police have been called.

Hello, what is the current attitude of the bank, there is a record of withdrawals.

The bank said it was going to call the police.

Hello, it's okay to call the police, as long as you can prove that the other party is wrong.

I kept the stub, the problem was that the bank said there was no monitoring.

Hello, this you can entrust **survey.

Hello, bank monitoring will be kept for at least a month.

Hello, the way to repay the loan owed to the bank is as follows: 1. The borrower can apply to the bank for an extension before the repayment deadline, and if the bank agrees, it can be extended, and there will be no overdue situation; 2. When the repayment amount is too large and the repayment ability is insufficient, you can apply for installment repayment, and you can divide the arrears into multiple installments to repay the arrears to alleviate the repayment pressure of each period; 3. If the amount owed is not large, you can borrow money from relatives and friends to repay the arrears from the bank first, and then return the borrowed money afterwards; 4. When you have jewelry, real estate, vehicles and other property, you can discount these items, and you can use them to repay the bank arrears after discounting.

Summary. Pro-<>

Hello, according to the problem you described, give the following answer: if the bank loan interest cannot be repaid, you can negotiate with the bank to deal with the repayment, and the bank will negotiate with you according to your specific situation. If the negotiation fails, the money owed to the bank still has to be repaid, otherwise the overdue will affect the personal credit report.

What to do if you can't pay back the interest on the bank loan.

Hello dear <>, according to the problem you described, give the following answer: if the bank loan interest cannot be repaid, you can negotiate with the bank to deal with the repayment, and the bank will negotiate with you according to your specific situation. If the negotiation fails, the money owed to the bank still has to be repaid, otherwise the overdue will affect the personal credit report.

Dear <>, you've been waiting for a long time! The following is the relevant legal analysis: if the loan owed to the bank cannot be repaid, if it is temporarily unable to repay, it can apply for an extension before the expiration of the repayment period, or negotiate with the bank to repay it in installments, otherwise the borrower needs to pay a certain amount of overdue interest according to the agreement or the relevant regulations of the state if the borrower does not repay the loan on time.

Dear <>, you've been waiting for a long time! The following are the relevant legal bases, I hope it will be helpful to you: According to Article 678 of the Civil Code of the People's Republic of China, 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.

Article 676 of the Civil Code of the People's Republic of China Where 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. Article 675 of the Civil Code of the People's Republic of China 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.

Dear, the above is the answer for you! <>

To sum up: if you can't repay the loan from the bank, you can take the initiative to apply to the bank for negotiation and repayment.

Hello, formal loans are linked to personal credit information, when applying for a loan, you should check the credit situation, if there is overdue repayment, it will have a negative impact on personal credit, it is recommended that you take out a loan within your means, repay on time and maintain credit.

It is recommended to use the money to spend, the money to spend is the credit brand of Du Xiaoman Finance, which provides users with safe and convenient, unsecured and unsecured credit services.

With money to spend on consumer loans, the daily interest rate is as low as low, and it has the characteristics of simple application, low interest rate and fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, due to objective reasons such as the timeliness of the content, if the content is inconsistent with the actual interest calculation method of the Qianhua product, it shall be displayed on the page of Du Xiaoman Financial APP-Youqianhua Loan. Hope this helps.

Hello, if the bank mortgage interest is not paid, the bank staff will collect and collect at the door.

This is just the interest repayment, not the principal repayment.

Personally, I suggest that you find a way to borrow money and pay back the interest from the bank.

Hello, are you there.

Bank loans cannot be defaulted for the following reasons.

First, there is a high penalty interest for overdue, and the longer it drags on, the higher the penalty interest.

Second, it affects your personal credit report.

Third, it will affect your future loans, and the bank will not give you loans in the future.

You can negotiate with the bank to repay the loan. Communicate well and explain why you can reduce the interest.