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- Will borrowing money on the online loan platform still look like? This article is a compilation of 360 columnist author Leshan Buddha original works, representing only the author's personal point of view, does not mean to integrate 360 official positions, reproduced, please contact the author's authorization. Many people do not believe in Internet lending. They always think that online investment and borrowing are not reliable. Borrowers have borrowed money and they have not returned.
- Net loans owed 2000 will not happen? Net loans owed for a few years will be written off? Many people do not believe in Internet lending. They always think that online investment and borrowing are not reliable. Borrowers have borrowed money and they haven’t returned. You can’t take him. Reality is really like this? Rong 360 tells you that online lending owes 2000. Net loans owed for several years will be written off? One, directly frozen ...
- I owe tens of thousands of loans and I am not on the loan. A lot of comrades began to have a rich heart when they first started to borrow money. Some may have really become rich, but others are deeper and deeper. They owe a butt of debt, and the repayment date is approaching. There is still no money. Can this be correct? And Xiao Bian together to see what netizens have wonderful ...
Are there still tens of thousands of loans owed by Huayuan, Luanhe, and Jingdong white bars and they will not go to jail?
The recent financial 360 Xiao Bian received a message, this buddy is particularly interesting, he usually has no stable income, to pay a girlfriend who loves to spend money, Alipay spend, borrow money, 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 if I'm not in jail, but the 360 Xiaobian really suggests that he still has friends with similar experiences, and don't play such a small calculation. The consequences of not owed money 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 clear time, overdue for a few days, the credit will be spent, but the style of doing things with Alipay and Jingdong resolutely, should not be underestimated.
Third, encounter the collection
Before someone broke the news on the Internet and said that his friend had owed his balance on the flowers, but because the contact person filled in her mobile number, she received no call from Huayuan.
Coincidentally, Jingdong IHB users also had similar information.
Collection is the main means for small loan companies to recover debts. Financial 360 Xiaobian does not discuss whether it is appropriate to find the borrower's relatives or friends to collect this method. However, it is clear that whether you are a friend or not, you receive calls, work, and life. 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 no payments for flowers and white bars, the amount of your loan on the platform will be cleared immediately. Like a flower pot that is overdue, sesame credit will hit back 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 is also very powerful, and it is almost impossible to successfully escape the arrears, there is a loan, 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", and in 2017 no longer afraid to borrow money.
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