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Are there still tens of thousands of loans owed to the flowers, borrowed money, and Jingdong white bars?

Time: 2017-02-20         Source: Rong 360 original         Author: Lin Xiu

The recent financial 360 Xiao Bian received a message, this guy is particularly interesting, he usually has no stable income, to pay a girlfriend who loves to spend money, Alipay spent, borrowed, Jingdong white bars on the cumulative total of more than 20,000 The money did not return, I feel that there is no repayment ability, and consulting financial 360 Xiao Biao will not imprison it?

It's hard to say whether you're not in jail, but the 360 ​​Xiaobian really recommends that he still have friends with similar experiences, and don't make such a small calculation. The consequences of the non-payment of debts are very serious.

First, calculate penalties

Whether you are applying for a loan overdue on a bud, a loan, a JD, a micro-lending, or other Internet loans, there will be overdue fines.

Take Hua Tuo as an example, the overdue fees are calculated based on the overdue amount of 5/10000. For example, if you owed 10,000 yuan on a flower pot, you will have a penalty of 5 yuan per day. The longer the time, the penalty will be. more. To be honest, interest plus penalty interest is quite scary.

Second, overdue records are submitted to the central bank credit information

Although Hua Yang and Lian Qi apply mainly to check your sesame credit, Jingdong Illegal refers to your small white credit, but once overdue, and the time exceeds the platform's tolerance, your loan overdue record is very likely. It will report to the central bank for credit information. Although the financial Xiaobian (luxiaodai360) can not give a definite time, overdue for a few days, the credit will be spent, but with Alipay and Jingdong reckless style of doing things, can not be underestimated.

Third, encounter the collection

Before someone broke the news on the Internet and said that his friend had owed his money on the flowers, but because the contact person filled in her mobile number, she received innocently a call from her.

Coincidentally, Jingdong IHB users also had similar information.

Collection is the main method for small loan companies to recover debts. Financial 360 Xiaobian does not discuss whether it is appropriate to ask the borrower's relatives and friends to collect this method. However, it is clear that whether you are a friend or not, you are receiving calls, working and living. The rhythm must be disrupted.

Fourth, may be sued

Don’t think that it is not a trivial matter to make arrears. If you do not pay the long-term debt, it is possible to be sued to the court. It is also possible that the person who first started the consultation with the user is in jail.

Before that, the Chutian Gold Daily reported similar incidents. Some netizens were not sued because of the white line. Huayuan also had such precedents. Therefore, if you are a borrower, don't be lucky.

Fifth, after the loan more difficult

If there are any owed money or white bars, you will generally clear the amount of your loan on the platform. If you spend too late, such as scapegoat credit, you will get rid of sesame credit before liberation, let alone 600 points. It's kindness to keep three or five hundred.

And because it is possible to report to the central bank for credit information, in the future you want to go to the bank to apply for mortgages, car loans, credit cards or something. With such overdue records, loans will also be affected.

Financial 360 Xiao Bian summary, anyway, third-party credit information and big data are also very powerful now, it is almost impossible to successfully escape the arrears, there are loans, or repayment! Later you will know the usefulness of "good credit".

Urgent money? We have reviewed hundreds of micro loan products! Concerned about the WeChat public number "look for a small money" (ID: luxiaodai360), replying to "emergency money", in 2017 no longer afraid to borrow money.

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