What are the effects of overdue online loans? What is the impact of overdue online loans?

If the online loan is not overdue, if it is overdue, it is basically impossible to avoid the fate of being collected ** and bombarded with text messages. After many people can't repay their online loans overdue, they start to change their ** number and work unit.

The online loan was overdue and was collected, and it was really difficult for the original work unit to stay. Five insurances and one housing fund.

If the depository unit is unable to repay after borrowing an online loan, and other debts are collected, it must have a full set of identity information, and the payment of five insurances and one housing fund can be queried.

If the new employer pays five insurances and one housing fund, the work unit will be leaked. If the new employer does not pay the five social insurances and one housing fund, the collection will not be able to find the new work unit, and I don't know where to work. If you have an online loan and it is overdue, after finding a job, ask the company not to pay five insurances and one housing fund, so that the collector can not find a job unit, and you can work with peace of mind.

Extended Information: If the repayment of an online loan is overdue, the following adverse consequences will be caused:

1.Penalty interest will be charged from the day of overdue until the customer pays off in full. The penalty interest rate of many loan platforms will rise compared with the borrowing interest rate, and if the customer has been in arrears, I am afraid that a lot of penalty interest will be generated, and the customer will have to repay more and more, and the repayment pressure will be increasing.

2.The loan platform will report the overdue situation to the big data, leaving a bad record in it. Some platforms or their cooperative lenders have access to the central bank.

Credit information, may also report the overdue situation to the central bank credit report, in the customer's personal credit report.

Freeze the quota so that customers can no longer borrow. At the same time, because the credit is damaged, customers will most likely be hindered from borrowing from other lending institutions, platforms or banks, after all, the other party will also check the customer's credit status when approving the loan, and once a problem is found, it will naturally refuse to approve the loan.

Online Loan Application Requirements:

1. The online loan will require the applicant to be at least 18 years old and have full civil capacity.

Moreover, many online loans are not allowed to be applied for by current students.

2. Sesame Credit: Many online loans require the authorization of Sesame Credit, so online loans require the applicant's Sesame Credit to be good, but the loan products are different, and the Sesame Credit score is different.

The standard requirements are also different. Generally, the applicant needs to reach about five or six hundred points.

3. Personal credit: Some online loans need to be checked for credit, and some do not, but in general, the applicant's personal credit is still required.

4. Other conditions: Online loans basically require mobile phone numbers and bank cards. Especially for mobile phone numbers, online loans will require applicants to have real-name authentication that has been used for 3 months or more than 6 months.

mobile phone number. Of course, the conditions may vary for different online loan products, and the actual situation is subject to the display on the product page.

1. Put down the seeds.

After the online loan is overdue, the reason why the borrower does not dare to let the family know is because he is afraid that the family will blame him, and at the same time, he is afraid that his relatives and friends will know that he will not be able to save face. In fact, it has reached this point where the mountains and rivers are exhausted, what can you take into account that you don't have to face? Put down your face first, put it on the ground and rub it, and tell yourself that now that you have no face, you must confess.

2. Find out why.

Find out why you are borrowing so many online loans? Why did you find yourself in such a situation? What did you do with all this money?

If you take all this money and squander it somewhere else, slap yourself hard and tell yourself never to do such a stupid thing again. If the money is used to do business and the turnover of funds is lost, at least it means that you are still a self-motivated person, summarize the reasons for the failure of the business, and start all over again.

3. Prepare for the worst.

What would be the worst outcome after you confessed? How do you deal with it? As parents, there will be a calf protection psychology, they are afraid of the child frightened, often borrow money to help the child pay off the online loan, if you meet such parents, it is a blessing from eight lifetimes, remember to go ashore, never touch the online loan again, even if there is no money to sleep on the street, you must not touch.

If your parents have a bad temper and beat you up and scold you, don't think about it, at least let your parents be mentally prepared when they face harassment by collectors, at least they won't be so angry that they fall over.

4. You have to rely on yourself when you go ashore.

Confessing is just to make yourself feel more relaxed, and if you want to go ashore, you have to rely on yourself. Calm down and analyze it, get a credit report on a tiny program like Yusan Data, and find out what online loans you owe so far. Which ones are on the credit report?

Which ones are not on the credit report? What can be delayed, slowed down? What is outside the statutory interest rate?

Do it in your heart, discuss the online loan of the money that is on the credit investigation and are eager to repay the money, and see if you can repay the loan in installments? Calculate how much you're going to pay back each month and work hard to make money! There is only one goal every month, and that is to pay back the monthly payment, stick to it for a year or two, and you will successfully go ashore.

Whether it is borrowed from the bank or the money of the online loan platform, if there is a phenomenon of overdue non-repayment, in addition to interest and liquidated damages, your credit will also be damaged, and there will be stains on your credit record, and it will be relatively difficult to apply for a credit card or loan in the future. There will also be a shared blacklist system in the online lending platform, and your credit history can be checked.

What happens if an online loan is overdue? Will it be prosecuted?

If the online loan is overdue, if it is legal and overdue, the credit limit will be affected. If it is illegal, the consequences will be debt collection and interest rolling. Chickens and dogs jumped, and even the extorted family was ruined...

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. It is not uncommon for college students to borrow thousands of yuan on campus loan platforms and have not repaid tens of thousands of yuan for several months after being overdue.

Therefore, if you have the ability to repay the loan on time, you should never overdue. Of course, those who don't care about "that little money" can feel free.

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.

The credit of the People's Bank of China 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.

If you want to know the actual situation of personal credit, you only need to open the WeChat homepage and search for the applet: Sky Data. Click on the query, enter the information to query their own 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 status.

Therefore, if you want a good credit report, do not use the online loan platform frequently, so as not to spend your credit report and affect the subsequent loans.

2.Late interest will also be incurred.

3.There is also the possibility of being sued by online loan companies.

If it is an online loan connected to the central bank's credit system, overdue will affect personal credit, and if it is an informal online loan, it will encounter violent collection!

Once your online loan is overdue, then there will be an overdue record on your credit record, and you will not be able to apply for a loan in the future, so after borrowing an online loan, you must repay the loan on time to avoid overdue, once it is overdue, then there will be a bad record on the credit report.

As long as it is within the regulations, it will be fine, if you don't pay it back for a long time, you will be blacklisted and restricted from traveling.

The penalty for late payment of liquidated damages is calculated on a daily basis, which is generally more than 5/10,000 or even 3/1000;

After the online loan is overdue, it is basically a legalized loan shark!

After the online loan is overdue, there will be all kinds of soft violence collection, and the collection will force you to have a mental breakdown;

If the online loan is overdue for a long time, it will be blacklisted by the online loan platform and uploaded to the credit information system, which will affect the future credit!

Hello, if the online loan is overdue, the first will produce a certain amount of interest and liquidated damages, etc., and the second is that it has a certain impact on credit reporting, and it will become a black household after a long overdue time, not to mention that it is impossible to buy a house and a car in the future and take a loan from the bank, and it will be for yourself in the future.

The child's future is estimated to also have an impact, so don't take care of your credit after the deadline.

During the epidemic, if the online loan is overdue, if the borrower is approved to postpone repayment in accordance with the law, it will not be affected; If the deferment of repayment is not approved, it will be affected if the overdue period is longer. Generally, those who are hospitalized** or quarantined due to new pneumonia can apply for a deferment of repayment, and the lending institution will approve it.

[Legal basis].Article 676 of the Civil Code.

If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or the relevant provisions of the state.

Six hundred and seventy keys, eight.

The borrower can apply to the lender for an extension before the expiration of the repayment period; If the lender agrees, it can be extended.

Notice on Further Strengthening Financial Support for the Prevention and Control of the Novel Coronavirus Pneumonia Epidemic

4) Improve financial services in the social and livelihood sectors affected by the epidemic. For those who are hospitalized** or quarantined due to the new type of pneumonia, those who need to be quarantined for observation due to epidemic prevention and control, those who participate in epidemic prevention and control, and those who have temporarily lost their income** due to the epidemic, financial institutions should give appropriate preference to credit policies, flexibly adjust the repayment arrangements for personal credit such as housing mortgages and credit cards, and reasonably postpone the repayment period. The guaranteed loan for personal entrepreneurship infected with the new pneumonia can be extended for one year and continue to enjoy financial subsidy support.

For customers who are infected with the new type of pneumonia or are damaged by the epidemic situation, financial institutions should give priority to handling the claims, appropriately expand the scope of liability, and pay all the compensation.

If the online loan is overdue, whether there is a problem or what the consequences will be, it depends on what type of online loan it is, the interest rate, that is, whether it is a platform with ultra-high interest rates and illegal means such as "routine loans" and "usury" that the state is cracking down. If not, the platform interest rate is legal, the contract is legal, if not, you will be sued, if you lose the lawsuit, your personal faith will appear on the judgment document online, and if you still do not pay it, you may be included in the list of dishonest persons; Even if it is an illegal online loan, the principal must still be prepared to be repaid, of course, if you drag until the creditor is forcibly banned by the law enforcement agency, you may not be held accountable.

If it is a legal platform, it depends on whether it is connected to the central bank's credit system, such as Zhaolian loan, micro loan, borrowing and other online loans (in fact, it belongs to the online small loan or bank lending type), if it is not repaid, it will directly affect personal credit, and the loan for buying a house and a car in the future will be affected by the shadow search, which is basically equivalent to the effect of non-repayment of credit card. If it is a legal platform and is connected to a private credit system, the impact of personal judgment in the future is equivalent to that of the central bank's credit information, but the current data docking is not perfect, and some banks will not find your dishonesty record when buying a house or a car in the future.

[Legal basis].

Article 676 of the Civil Code provides that if 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.

Owing so much online loan is about to be overdue, the right way to do it.

1.Communicate well and don't refuse**.

Some people will refuse to collect after the deadline is overdue, because they are naturally apprehensive or afraid, but this is actually the wrong approach. Overdue is originally our fault, so we should face it positively and don't be afraid. Communicate well with the other person. Round Stop.

2.Priority is given to paying off online loans on credit reporting.

Most of the online loans of the nature of consumer finance are subject to credit reporting. In order to avoid damage to our credit information, we can pay off the loan on the credit investigation on a priority basis. If you don't know it, you can use it in the WeChat applet:

Mu Li number of lap Ming balance leakage, click query. With the establishment of big data information. In the future, almost as long as the online loan is overdue, it will affect personal credit.

You must pay attention when borrowing money.

3.Confess like family.

Friends who owe online loans basically confess to their families in the end. The interest and liquidated damages in the early stage of overdue are not much, so you should confess to your family and enlist your family's help. Plus your own efforts. In the end, I will definitely make it ashore.