Does Home Credit still need to be returned in 2021

Home Credit loans applied for in 2021 still need to be repaid.

On the one hand, the user has signed a loan contract with Home Credit, and the user must repay the loan in accordance with the contract; On the other hand, Home Credit has not stopped operating, and the money borrowed by users will of course have to be repaid. At the same time, Home Credit borrowing is on the credit report, and if the user does not repay the loan on time, then there will be an overdue record uploaded to the credit report. As long as the user repays the loan of Home Credit on time, only the information of timely repayment will be retained in the credit report, which is conducive to maintaining personal credit and will be helpful for subsequent applications for other loans.

Home Credit Finance 2021.

It is still possible to apply normally, and users can log in to Home Credit and other channels to view. At the same time, there has been an adjustment offline, and according to the latest understanding, at the end of March, Changsha offline Home Credit stopped business operations, and the relevant person in charge said that the structural adjustment will slowly change from offline to online in the future.

At present, although there are adjustments in Home Credit, it has not withdrawn from the credit industry, and can still provide credit products and services.

Central Bank Credit Reporting Responsibilities:

1.Responsible for formulating a unified national development plan for the establishment of a unified basic database of enterprise and individual credit information and a movable property financing registration system.

2.Undertake the construction of a unified national basic database of enterprise and individual credit information and a movable property financing registration system, and be responsible for the operation, maintenance and management.

3.On the basis of relevant state laws and regulations, organize and implement the operation of a unified national basic database of enterprise and individual credit information and a movable property financing registration system.

4.Responsible for formulating a unified national internal management system for the operation and maintenance of the basic enterprise and individual credit information database and the chattel financing registration system.

and business technical standards.

5.Responsible for the coordination of business and technical contacts with commercial banks and relevant parties, and the collection of credit information of enterprises and individuals.

6.Responsible for summarizing and analyzing data and information in the nation's unified basic database of enterprise and individual credit information, and promptly submitting analysis reports.

7.Provide commercial banks and relevant parties with credit information services for enterprises and individuals, as well as their value-added applications and market promotions, in accordance with law.

8.Accept objections in accordance with law in the operation of the unified national basic database of enterprise and individual credit information and the movable property financing registration system.

9.Responsible for organizing training on business knowledge and products of the national unified basic database of enterprise and individual credit information and the movable property financing registration system.

10.Responsible for organizing and promoting the establishment of a unified credit reporting platform for the financial industry.

11.People's Bank of China.

Other matters authorized or assigned.

Home Credit is a borrowing platform that has been operating for a long time, and many users have applied for loans on it. Recently, a user consulted Xicaijun and said what is the latest news of Home Credit in 2021? So let's briefly introduce it to you, I hope it will be helpful after reading it.

What's the latest news from Home Credit in 2021?

According to the display, the official channels of Home Credit Consumer Finance are still in normal operation, and there has been no bankruptcy or similar situations as users think. At the same time, there are still many users complaining about loan interest and collection, saying that the loan interest applied for on the platform exceeds the regulations, and the problem of harassment still exists after the deadline.

In addition, I would like to remind everyone that Home Credit Consumer Finance will still report the overdue situation to the central bank's credit information system, so users who plan not to repay or do not deal with it within the time limit should be prepared for personal dishonesty and stained credit records.

In addition to Home Credit Consumer Finance, no matter which platform users borrow from, they must be clear about two points. First, whether you have the ability to repay the monthly repayment amount, if not, it is recommended not to apply; Second, look at the platform's fees, especially the fees other than interest, estimate the total cost of borrowing, and don't borrow if it's not suitable.

Home Credit has always advocated rational borrowing and repayment according to the contract, and overdue repayment will not only produce unnecessary liquidated damages or penalty interest, but also have a negative impact on personal credit reporting.

Home Credit loans are generally required to be repaid on time and in full as agreed in the loan contract. If you need to consult Home Credit loan-related business, you can contact Home Credit company's official customer service for detailed consultation.

If you owe Home Credit for several years and do not repay it in the end, the consequences of overdue repayment are as follows:

If it is overdue, it will have an impact on the credit investigation according to the length of time, and if the credit investigation is seriously overdue (more than 90 days), it is a black account. Under normal circumstances, when reviewing new loan applications and other businesses, banks require that all previous loans, credit cards and quasi-credit cards should be in a normal state, and there should be no bad debts, overdue and other states.

Commercial loans, provident fund loans, and credit cards that have been overdue for no more than 3 consecutive times or no more than 6 times in total in the last two years can be deemed to have a good credit record. According to the person in charge, "if the loan is overdue for several consecutive months and the amount of arrears is large, it will be determined that the loan is maliciously defaulted, and it will be regarded as bad credit and the lender will refuse to issue the relevant loan." ”

Note: Generally speaking, each bank will charge a certain amount of interest for overdue repayment, which is different from bank to bank, and it is generally 5/10,000 interest. However, the interest start date is calculated from the date on which the consumption is incurred, not after the last date of repayment.

It is recommended that if you can't repay all the amount, you can repay the minimum repayment amount first, which will not affect the credit limit, and there will also be a buffer period, so that the bank can understand the flow of funds in your account in a timely manner and will not freeze the account!

When the credit card (credit card) holder chooses the minimum repayment method or uses the card in excess of the credit limit approved by the issuing bank, he or she will no longer enjoy the interest-free repayment period and shall pay the overdraft interest calculated at the prescribed interest rate from the date of bank accounting.

It must be repaid, and the debt follows for a lifetime. It's just that Home Credit is a high-interest online loan, and it rarely sues, only collects, and it is all entrusted to a third party, as long as you resist the collection, you can't do anything to you.

Even if Home Credit doesn't get the money back in the end, or if there is an internal problem with Home Credit, it will package the debt to another company, and someone else will collect it from you at that time.

Also, Home Credit is on the credit report, and it has been overdue for a long time, so you can negotiate a reduction or exemption to repay only the principal, otherwise the credit will always be black, and it will be too late to regret it when you use the credit information.

Hello, late repayment will not only incur liquidated damages or penalty interest, but also have a negative impact on personal credit, and the company will take corresponding collection processes for customer overdue behavior, and it is recommended that you repay on time.

In 2021, Home Credit can also installment mobile phones, and at present, Home Credit still supports the purchase of mobile phones in installments. However, the interest rate of this platform is relatively high, so it is not recommended to make Home Credit installments.

1. Home Credit. Home Credit is one of the first four pilot consumer finance companies approved by the China Banking Regulatory Commission, Home Credit Consumer Finance Co., Ltd. has become the first wholly foreign-owned consumer finance company in China. Home Credit's main business is to issue personal loans or accept deposits from domestic electronics companies and domestic shareholders, but the most commonly used in life is to take loans to buy electronic products. As a loan company, Home Credit is quite reliable.

It provides simple, convenient and fast consumer financial services for people in need, legal business, but the interest of Home Credit Finance's loan business is relatively high, especially the installment of mobile phones, if the installment time is longer, the interest of each installment even adds up to the mobile phone itself, which is about two mobile phones.

Second, if I have a loan in Home Credit, can I still installment my mobile phone?

According to the normal situation, it should be possible, mainly depending on the last loan time, if the loan time of the two times is more than 90 days, and the credit is good, and the repayment is not overdue, it can be approved, or you can call ** to the customer service of Home Credit for consultation.

3. How to handle the loan business.

There are many micro-loan platforms now, and the amount is basically between 500 and 300,000, but if you want to apply for a loan, you must be between 18 and 55 years old, and most platforms refuse to provide installment loans to students in school. If you have a normal income, you only need to bring your second-generation ID card and debit card to handle it, when applying, only the debit card application card is also a borrowing bank card, and my identity information needs to be a second-generation ID card, and you can't use a temporary ID card, expired ID card or a first-generation ID card to apply. However, it is still recommended that you do not try to take out a loan easily, especially a loan with too high interest, and the pressure of repaying in the later period is very large, and if there is an overdue situation, it will also have a bad impact on your credit record.

Hello, happy with your question.

Summary. Hello, in 2021, Home Credit did not officially withdraw, and now Home Credit is still in operation and has not withdrawn.

Hello, in 2021, Home Credit did not officially withdraw, and now Home Credit is still in operation and has not withdrawn.

Home Credit's official website and app are in normal operation, and the loan service of Hui Sui, a subsidiary of Home Credit, is also in normal operation. If Home Credit officially withdraws, then users will be informed through official channels, please refer to the official announcement, and do not believe some rumors. In addition, if the Home Credit app is not working, it is usually caused by system upgrades and maintenance.

Although Home Credit has been adjusted, it has not directly withdrawn from the credit industry, and can still provide credit products and services. Users who use Link's Kuanxin loan still regret that they need to repay the loan on time and do not appear overdue.

I want to ask you about it, I borrowed a trip from Home Credit and repented, and it seems that I have 3,000 yuan to dismantle it. No more than 6000 in my memory, but now Home Credit is sending me a message saying that tomorrow let me go to court, if I don't go to court to make a decision, is it.

I'm here. Hello, this is the Home Credit platform, a means of collection for you.

If the Home Credit platform really sues the court, it is purely the court to notify you of the time, not the loan and the high payment platform to send a message to inform you, this is just the Home Credit platform in this name, exerting psychological pressure on you to repay the loan as soon as possible.

Remember, only if the court gives you a summons, then you are sued by the Home Credit platform, and if you don't receive the summons, then the court has not heard it.

If the court does issue a summons, should you call me directly or notify my family directly?

It is to call you directly, and the summons is to contact the defendant directly, and will not contact your family.

I didn't receive a call from the court to me, it was a text message sent to me by Home Credit Company, asking me to go to the court at three o'clock tomorrow afternoon, Home Credit Finance] shirt shouting Huang Qin, **Time: 15 o'clock tomorrow, less than 48 hours from **, the letter will be delivered to the household registration address today, absent appearance in court and refusal to return, the court will make a judgment of defeat, impose a penalty of seven days to three years and a fine of 5,000 to 50,000, the judgment will be announced to the village committee and neighborhood committee, the undertaker: Wei Jiancheng, strive for pre-litigation mediation to call Director Chen:

Hello, this is to scare you, if it is true, it is the court that contacts you directly, not by Home Credit Finance.

Summary. Has Home Credit Finance been completely cleared in 2021?

If it is not completely cleared, it can still be applied normally, and users can log in to the official website of Home Credit and other channels to view. But at the same time, there has been an adjustment of offline stores, as far as the latest understanding of the situation, at the end of March, Changsha offline Home Credit stores stopped business operations, and the relevant person in charge said that it was a structural adjustment, and the follow-up will slowly change from offline to online.

In other words, although Home Credit has been adjusted, it has not directly withdrawn from the credit industry, and can still provide credit products and services. If the user has borrowed money on the Home Credit platform, he still needs to repay the loan on time and cannot be overdue.

Otherwise, it will also be reported to the central bank's credit report, leaving a stain record on the credit report, and Home Credit overdue collection is more frequent, so considering that relatives and friends are not harassed, it is recommended to deal with it as soon as possible, and you can also try whether you can apply for negotiated repayment, so that the user's repayment pressure will be less.

In 2021, Home Credit officially withdrew.

Has Home Credit Finance been completely cleared in 2021? If it is not completely cleared, it can still be applied normally, and users can log in to the official website of Home Credit and other channels to view. But at the same time, there has been an adjustment of offline stores, as far as the latest understanding of the situation, at the end of March, Changsha offline Home Credit stores stopped business operations, and the relevant person in charge said that it was a structural adjustment, and the follow-up will slowly change from offline to online.

In other words, although Home Credit has been adjusted, it has not directly withdrawn from the credit industry, and can still provide credit products and services. If the user has borrowed money on the Home Credit platform, he still needs to repay the loan on time, and there can be no overdue situation. Otherwise, it will also be reported to the central bank's credit report, leaving a stain record on the credit report, and Home Credit overdue collection is more frequent than the banquet hall, so considering that relatives and friends are not harassed, it is recommended to deal with it as soon as possible, and you can also try whether you can apply for negotiated repayment, so that the user's repayment pressure will be smaller.

Hello, no withdrawal.

At present, Home Credit has adjusted, but it has not directly withdrawn from the credit industry, and it can still provide credit and loan products and services. If the user has borrowed money on the Home Credit platform, he still needs to repay the loan on time and cannot be overdue.

Can you adjust the interest base?

I didn't speak anymore.

Hello. Do you want to adjust the installment interest?

Or negotiated repayment.

Oh. If you are really financially difficult and difficult to repay, you can call ** and customer service to negotiate the installment repayment method, interest, etc.

If they don't agree, I don't have to pay it back.

How much is theirs.

Hold on. Queried for you.