Can you pay home credit without paying it back?

The argument that Home Credit doesn't have to pay it back is certainly not true.

Because Home Credit is also an official online lending platform, it is regulated by the national financial security department. If you have a loan on this platform, you have to repay the money you owe. If you are late on the loan, then it will directly affect their credit, to the end of the injury or yourself.

If the borrower is overdue for a long time, Home Credit can apply to the court for litigation or arbitration, and apply to the court for enforcement according to the result of the judgment or arbitration award, at which time the borrower will bear the corresponding legal consequences, and it is recommended that you repay the loan in time.

Extended Information: 1) An IOU or written contract should be established for money lending:

There is no legal requirement that a monetary loan contract must be documented, because a contract is established as long as the parties agree on the same matter. However, in order to put an end to disputes after the fact, it is best to set up a written certificate when borrowing money, so as not to make unsubstantiated statements and add to the trouble.

2) The written record of money lending should be detailed:

The IOU or deed of loan should clearly state the following particulars:

1.The names of the borrower and the borrower.

2.The full amount of the loan and the currency. For example: "NT$10,000 yuan".

3.The term of the loan. For example, it is expressed in words such as "the loan term is from the date of the loan" or "the loan term is from the date of the year to the date of the year".

4.Covenant of interest. Clearly indicate the interest rate and payment method. For example: "10% p.a.", "payable on the fifth day of each month from the date of borrowing".

5.Agreement on liquidated damages. For example: "If the borrower defaults, he shall pay liquidated damages calculated on a daily basis for every 10,000 yuan per day of the loan amount." ”

6.Date of establishment.

7.Personal signature of the borrower.

c) Proof of payment of money:

A contract for the loan of money must be physically delivered in order for it to be valid. When the lender delivers the loan money to the borrower, it is advisable to use a cheque or promissory note for it, and clearly state that the borrower is the payee, and indicate on the contract: "The loan money shall be delivered to the borrower in the form of a check (or promissory note) with the amount of RMB ** from the paying bank's **bank account number**year*month*date***, and the amount of ** yuan." so as not to deliver cash without evidence.

4) Seeking a guarantee of borrowing:

In order to ensure the safety of the loan**, it is best to have a reliable guarantee, and there are three ways to guarantee the general loan:

1.Obtain a mortgage. The borrower provides the immovable property, creates a preferential property right for the lender, and registers the mortgage at the land office.

2.Obtain a pledge. The borrower takes the movable property or rights (e.g. beads, antiques; **, corporate bonds, etc.) to the lender.

3.Find a joint guarantor. Indicate on the contract that "the joint guarantor shall jointly and severally guarantee that the borrower will earnestly perform the terms of the loan contract", and the joint guarantor shall personally sign and seal the contract.

If the borrower is overdue for a long time, Home Credit can apply to the court for litigation or arbitration, and apply to the court for enforcement according to the result of the judgment or arbitration award, at which time the borrower will bear the corresponding legal consequences, and it is recommended that you repay the loan in time.

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.

It must be returned, because when you mortgage a car or a house or other items, fill in the real information, such as your name, ** number, ID card information, etc., if you will not receive a text message from Home Credit or receive **, if you still ignore it, you will receive a court summons, I have personally experienced it, but then all of it was returned, and I did not receive a court summons.

The consequences of not paying back the Home Credit loan money are:

1.Bad credit is generated, because Home Credit has long been connected to the credit information system of the People's Bank of China, and if there is a loan overdue, it will be recorded on the personal credit report, leaving a stain on personal credit, and it will be affected if you want to apply for a loan or credit card in the future.

2.Pay a high penalty interest, there will be penalty interest after the overdue, and the amount of penalty interest is large, and the overdue time is long, the penalty interest may be larger than the amount you borrowed.

3.Home Credit will take various measures to collect the loan, which will have a certain impact on the life of you and your family.

If it is overdue and exceeds the repayment grace period stipulated in the loan, it will be uploaded to the central bank credit on the second day after the overdue, leaving a bad credit record and affecting the application for other loans in the future.

2. Affect the big data of online lending.

As one of the more well-known online loan companies, Home Credit can also find out the big data of online loans when the loan is overdue, even if the borrower applies for a loan that does not check the credit in the future, but checks the big data of the online loan, then it is difficult to make a loan.

The five or four thousand dollars I owe to Home Credit isn't much. What should I do if I hit ** every day, my interest is too high and I can't afford it.

I borrowed money from Home Credit, can I not pay it back? I can't afford it, and now that the epidemic is serious, I haven't made any money, and I'll pay you back when I have money.

If a user borrows money from Home Credit, he must pay it back. Home Credit's loan records are on the credit report, and if the borrowed money is not repaid, the overdue record will be permanently retained in the credit report. If this kind of overdue record is not deleted for a long time, it will become a credit stain.

There is a stain in the credit report, and the subsequent application for any credit product will not pass the review.

Therefore, users must cherish their credit and repay every arrears on time. In particular, the loan on the credit report will be on the credit report as long as the loan is not repaid on time.

Home Credit money needs to be repaid.

The overdue record of the money owed by the user to Home Credit will be uploaded to the credit report, and the longer the debt, the more unfavorable it will be for the personal credit report. If the overdue time is more than 3 months, it will form a stain in the credit report, and the application for a loan or credit card business in the future will be rejected. And if the circumstances are serious, Home Credit may also sue the user, and the court will enforce it at that time.

Users can negotiate with the platform for complaints, and if the negotiation fails, they can request the court to intervene. Generally, the interest on the part that exceeds the law can be repaid, but the part that does not exceed it still needs to be repaid according to the arrears.

Summary. Dear, Home Credit has a cut interest, which exceeds the fees and interest prescribed by law.

Generally speaking, the principal owed to Home Credit needs to be returned, but the part of the interest that exceeds the legal limit can be repaid.

The police said that Home Credit doesn't have to pay back the money, please ask Home Credit what the company owes, does it really have to be repaid?

Pro, Home Credit Bridge is cautious of cutting off interest, exceeding the law by hand combustion to eliminate pure renewal and interest. Generally speaking, the principal owed to Home Credit needs to be returned, but the part of the interest that exceeds the legal law can be repaid.

The court will not support the interest in excess of the part prescribed by law!

Hello, I borrowed 30,000 yuan from Home Credit in 2019, and now I have repaid more than 3,800 and still have 8 installments that have not been repaid.

You have already repaid the principal, you have fulfilled the repayment obligation, and the remaining interest that does not comply with the law is not supported by the law and does not need to be repaid.

If she has been harassing you and your family pretending to be an elderly, pro, the state clearly stipulates that it is illegal to harass other officials related to the debtor. If you are harassed by your relatives, you can call the police to deal with it.

Will it be discredited, will it have an impact on the next generation?

Hold on. This kind of will not be discredited, and it will not have an impact on the next generation, this is not a normal bank loan, you don't listen to those people, this is a means of selling Kai and calling for money early, just believe in the people's police.

This kind of will not be discredited, and it will not have an impact on the next generation, this is not a normal bank loan, you don't listen to those people, this is a means of selling Kai and calling for money early, just believe in the people's police.

Thank you! You're welcome<>

I'm glad to help you and have a great day.

Hello dear <>

Repayment is required. Online lending information intermediaries shall abide by the contract, protect the lawful rights and interests of borrowers and lenders, and ensure the smooth progress of transactions. Therefore, as a borrower, you should repay the loan in a timely manner in accordance with the contract.

If you are unable to repay your payments on time, it is advisable to communicate with Home Credit in a timely manner and apply for a deferral or a new repayment plan. At the same time, it should be noted that overdue repayment generally leads to additional costs such as interest and penalty interest, which will affect personal credit history, and even be generally included in the credit blacklist, affecting financial services such as credit loans in the future. Thank you for your inquiry, I wish you a happy life, if there is anything else you don't know, you are also welcome to ask<>