Can I apply for interest suspension if I can t repay the online loan?

OK. Although the loan business is becoming more and more popular, and more and more people are applying for loans, the number of people who cannot repay the loan after the loan is also rising sharply. If the loan cannot be repaid, the user can apply for negotiation with the bank, and the negotiation can reduce a lot of repayment pressure.

Extended information: 1. How to negotiate the suspension of interest if the loan is not repaid?

Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks stipulates that, under special circumstances, if it is confirmed that the amount owed by the credit card exceeds the cardholder's ability to repay and the cardholder is still willing to repay, the issuing bank may negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement, and the maximum term of the personalized installment repayment agreement shall not exceed 5 years.

If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing business service provider shall stop collecting the cardholder, except for the failure of the cardholder to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must retain the recording data until the date of settlement of the arrears. Despite this rule, banks will not easily accede to these requests.

The regulations say that "the bank can negotiate with the cardholder on an equal footing", so the initiative is in the hands of the bank, and the bank can not negotiate with you. Of course, most banks can negotiate successfully if done right.

2. Under what circumstances can I apply for interest-free accounting?

1. Special circumstances, such as hospitalization, unemployment, natural disasters, business failure, fraud and other special circumstances, it is necessary to give the certificate of special circumstances to the bank.

2. Confirm that the amount owed by the credit card exceeds the cardholder's ability to repay Due to special circumstances, it is indeed beyond one's ability to repay, and the existing income is not proportional to the debt. If you are currently in debt of 100,000 yuan and your monthly income is only 3-4000, there is really no way to repay the debt in the short term, and you will prove your income.

or salary statements to the bank. 3. The cardholder is still willing to repay How to prove that he is willing to repay? If you don't lose contact after the deadline, you can contact the bank at any time, and repay some money more or less every month, which is the most effective proof of your willingness to repay, not a malicious overdue.

Even if you don't repay the money after the deadline, then you have to give the bank a reasonable explanation that the bank can accept.

4. If necessary, you can seek assistance such as mediation center, consumer protection, professional negotiation institutions, etc. If you reach a personalized repayment agreement with the bank, you must repay the loan on time every month according to the negotiated amount, otherwise the personalized repayment agreement will become invalid, and the bank is likely to go directly to the legal process. To sum up, although it is possible to negotiate with the bank according to the regulations, the degree of negotiation and the outcome of the negotiation depend on the final decision of the bank.

Generally no, no.

When applying for an online loan, the borrower and the lender will sign a loan contract, and if your online loan is overdue, interest and liquidated damages will need to be calculated according to the contract. Under normal circumstances, the lending institution will not agree to the request to suspend the interest on the account, but it can negotiate with the lending institution for a relatively reasonable solution such as deferring repayment or reducing interest.

If you are not clear about your online loan application, you can try to get a big data report on "Xiaoqi Xincha", check your detailed loan records, and then confirm that it is your own loan, at this time, you should pay off all the money you owe and then contact the customer service of the corresponding platform to let them deal with it and see if the online loan blacklist can be eliminated.

If you can't repay the online loan, you can apply for interest suspension and hanging, the details are as follows:

Affirmative: Yes, when the borrower is unable to repay the online loan on time, he can apply to the borrower for interest suspension.

Instructions:1Interest-free account suspension means that the borrower negotiates with the borrower to suspend interest calculation and repayment requirements for a certain period of time.

2.This arrangement usually requires the borrower to provide detailed proof of repayment difficulties and negotiate a solution with the borrower.

3.Suspension of interest may result in extended debt and additional costs, so you should carefully consider your financial situation before applying.

Summary: When borrowers are unable to repay their online loans on time, they can try to apply for interest suspension to suspend repayment pressure. However, this is only a temporary solution, and borrowers still need to seek appropriate help and solutions to avoid further financial hardship.

Knowing your credit profile and viewing information such as your loan history can help borrowers better plan for repayment and manage their finances.

Process example: call ** to customer service, say to negotiate repayment, name to find post-loan management, there are many customer service or transfer you to the collection to talk, the collection will only frantically put pressure on you to hit ** again, find a reason to refuse to talk to the collection, only talk to the bank. Who else can't you talk to about online loans?

As long as you want to find it, follow the vine and touch the melon, how can there be no reason not to find it. The platform is the intermediary, and the intermediary you told me that you can't find it, so why do you make this money? All the words that say no are equivalent to refusal (unclear refusal), according to the following refusal of the other party refuses, or put forward various conditions, if the credit card, said that there are provisions in the measures for the supervision and management of credit cards of commercial banks can be negotiated, if you are this attitude I will go to the CBRC to ask, you are not afraid of multiple complaint records and then call the CBRC **, explain the situation is difficult, communicate with the bank is refused, please ask how to explain Article 70, the CBRC will give you a bank internal ** to communicate.

Then you hit the bank** and said to complain to the CBRC, the CBRC gave this ** continue to talk: if you still don't agree, then I also tried my best, my income is so much, I originally wanted to pay back one bank at a time, and then pay back the next one, I originally wanted to repay your bank first, since you don't agree then I can only pay back another house first, if you still don't agree, hang ** after a while and then talk about it if there is evidence of collection violations, take it out and say it, or go directly to complain, The CBRC can play a dozen, Complaints can go a wave, if the other party asks to repay a part of it first (there are all kinds of moths not listed one by one, why can't you understand that all of them are disguised refusal or disguised squeezing your money!! Then ignore him Continue to grind after a while, as long as you can't talk about your plan, just keep grinding, won't it be fragrant to wait?

Another way is to let the family help to fight, anyway, it has not been able to grind, first slowly save money, let the family help fight ** said that the help is still part of the remaining installments There is time and energy to go through the above process repeatedly. If you don't have time, you're not afraid of anything, so you can concentrate on earning money, saving enough money to pay it back at one time, so it's easy to talk about and save trouble. The premise is not afraid of anything.

The most important thing is not to be afraid of anything. Keep the evidence. To add, if you save enough to be able to do it all at once, don't come up and say that you want to pay it all back, they will still ask you for more liquidated damages, penalty interest and other expenses, at this time you don't agree, they say that you have the ability to pay back but don't pay back, and they may really sue you for enforcement!

At this time, you are really scared! In short, the more you catch up, the more you will be pressed! So whether it's still part or all of it, you have to say less, so that they have room to press, and there is still room for negotiation!

It's up to you how you talk about it.

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For example, we take the initiative to explain to the platform customer service that we do not have the ability to repay for the time being, and prepare relevant information to prove that we do not deliberately owe money! Whether it's a credit card or an online loan, I often say that everything can be discussed, but what kind of negotiation depends on yourself The following are all ideas to be sorted out, everyone's situation is different, each institution is different, the timing of your talk is different, the reception staff you meet are different, there will be different processes and results, first sort out, and finally look at the process, and then according to your own situation to talk, to grind, since it is a negotiation, it is necessary to grasp the psychology of both sides First of all, why are they so hard-hearted, all kinds of threats and intimidation, Why are they afraid of them, because you are afraid of exploding the address book, afraid of prosecution, afraid of going to jail, if you are still afraid, it is recommended to take a look at my other posts first, and then follow a few months of collection** warm-up Practice the reasons for the bank's refusal during negotiation Why do they say these reasons, and what are the benefits1 You are not eligible Either you provide a poverty certificate, such as a poverty certificate stamped by the village committee, a certificate of arrears from other banks, a credit report, a medical certificate, etc. (in fact, it is to embarrass you and set a threshold).

Online loans are not allowed.

1.When applying for an online loan, the borrower and the lender will sign a loan contract, and if your online loan is overdue, interest and liquidated damages will need to be calculated according to the contract.

2.The lender will not agree to the request to suspend the interest on the account, but you can negotiate with the lender for a reasonable solution such as deferring repayment or reducing interest, and waiving collection.

Further information: The bank suspends the interest on the account of the borrower who fails to repay the principal and interest of the loan on time for any reason, and the bank suspends the accounting treatment of the interest calculation on schedule, and the balance of the loan and the interest owed are left on the books (i.e., the book) for later processing.

1.Before applying for interest suspension, we must be mentally prepared, the bank will not easily agree, after all, interest is one of the channels for banks to make money.

2.Think about it, if you were a bank, what would you lend money for? It's nothing more than to make money and earn interest.

If someone borrows your money at this time, but tells you that you have no money to repay, and asks you to stop the interest and repay it when you have money, are you willing? Some time ago, someone specifically asked the bank about the "interest-free account" business, and most of the banks gave the answer that "there is no such business", and even some bank customer service will guide you to handle installments or minimum repayments.

Although banks will not easily agree to suspend interest rates, they are not without hope.

3.A cardholder once owed more than 90,000 yuan to Everbright Bank and was unable to repay, so he applied to the bank to suspend interest and hang the account, and successfully repaid the credit card debt in 5 years (60 installments). There are also cardholders who owe more than 70,000 yuan to China Merchants Bank, and they have successfully repaid it in 48 interest-free installments.

Therefore, in order to successfully apply to the bank for interest suspension and accounting, the key lies in negotiation skills.

1. Although the interest is waived for the interest-free account, the handling fee during the repayment period is still charged. This is very similar to installment repayment, the same handling fee, the difference is that installment does not affect credit reporting, and it is not necessarily the suspension of interest. Because you can only negotiate if you are overdue, maybe the bank has already reported that it is overdue;

2. Handling the suspension of interest on the account proves that your repayment ability is insufficient. In the eyes of the bank, you are already a dishonest user, and you may be rejected for car loans, housing loans and other businesses;

3. In the same way, the application for credit card withdrawal will also be rejected;

4. After applying for interest suspension, if the loan is not repaid in time as agreed, the bank collection will still make a comeback, and the overdue will affect the credit investigation again.

There is no way to apply for "interest suspension and hanging account", which is of course better than "bank catalysis", "bad debts", "rolling profits" and other situations. However, if you still have a certain ability to repay, it is recommended not to choose this method, and everyone should make a decision according to their actual situation.

The collection called, truthfully told him the situation he was in, I owe money and I am at a loss, and I admit it, but at present, I am indeed in difficulty, send him all the screenshots of your debts, and tell him that I will work hard to make money, strive to pay back a little every month, and no longer miss the appointment, as for the platform to promise, or not, I still continue to follow my way to go ashore. One thing to make clear with the collection is that the collection is compliant, reasonable and legal, and if you encounter violent collection or other illegal means, I will use the law to protect my legitimate rights and interests.

1.Online loans are all private loans, and even if a lawsuit goes to court, it is still a civil liability; 2.No matter how high the penalty interest rate is, the court only recognizes the interest rate in the range of 24%; 3.Platforms with an online loan annual interest rate of more than 24% have less than 2% chance of suing you.

5 steps to stop interest:

1. Sort out your own debts and take the initiative to contact.

After the deadline, sort out the debt situation in time, such as some credit cards, online loans, etc., and summarize the minimum installment situation negotiated with the bank is acceptable!

Then take the initiative to contact the bank, inform yourself of the situation, have the willingness to repay, and explain the reason that you can't pay off at one time, can't bear the debt, want to apply for personalized installment repayment, and tell yourself the number of installments you can bear and some materials to prove, let the bank do a good job of registration, and then wait for the bank to pay a return visit**, this is similar to negotiating overdue processing (ps: don't talk nonsense about the reason, there are difficulties are difficulties, favorable conditions should be put on, don't mention a word that shouldn't be mentioned, remember, the attitude must be good)

2. Don't run away in the face of collection.

Specifically, since the overdue, what is the attitude of the bank's internal personnel or the third party to collect, and whether they sincerely express their needs and attitudes. If the cardholder himself is in bad language, lying, losing contact, etc. during the collection period, then the chance of you applying for interest suspension is greatly reduced.

3. Have a certain economic and repayment ability.

As the saying goes, "emergency is not poor", and the bank must know that it can recover the arrears if it agrees to negotiate. Then the debtor should provide the corresponding proof of work, or salary flow and other proofs to show that he has a stable job, or income**, as long as he can be given installments, he can repay the loan as agreed every month. It's just that the situation is special now and it can't be afforded.

4. Pay attention to details in negotiation.

After receiving **, first confirm whether the other party is a bank staff member and write down the job number.

If you haven't received a reply, you can negotiate with the bank again, if the other party has been going around in circles and does not agree to repay the loan in installments, you can directly complain to the 12378 CBRC!

Note that you must ask the other party's customer service number, so that if there is still no one to solve the problem later, you must enter it again and find the previous customer service to inquire about the process.

5. Wait for the review and call again!

Generally, as long as the supporting materials are provided, they will basically pass, and after the review is passed, the repayment agreement is signed, some banks sign electronically (the bank will have a recording), and some need to be signed in writing by offline outlets, and the repayment can be made in accordance with the repayment plan after signing.

We teach the principle of suspension and hanging account technology, all methods and technologies are 998, individual intermediaries can learn, and the negotiated repayment mechanism is an inevitable existence as an important part of the national credit system, and its existence is also reasonable.