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Banks and small loans have lent a total of 500,000, now unable to repay, how to do?
One principle is that you have to pay your debts. It is perfectly justifiable that you can not afford to rely on it. It's a sad day to see you. Life may be on the decline, more serious I do not say, the movie estimates you see a lot.
There are two kinds of credit loans and mortgage loans in bank loans.Bank interest rates are relatively low, you can loan a little more, do not repay the problem is very serious. Use the law, you are Lao Lai. Lao Lai believe you read the news I do not go into details. Real estate and other assets include a frozen bank card, you can not open a new card, can not get out the door. Credit stains go with you to go, it is now a credit society, will strengthen the future, no one will deal with you.
Short-term loans for small loans, and the amount of money is not large. Because of the high interest rate risk can really solve many problems. This is called to solve the pressing needs, if the amount of borrowing larger, a long time, still can not afford, may be bankrupt. Time is money, small loan companies rely on these money working. As long as the national legal interest rates higher than 4 times the country does not protect. I do not know if you agreed that the interest rate is not above the legal rate, and the interest rate is four times higher. I guess you can not afford it four times. Small loans within four times the company to take two means dunning, legal means and their own means.
More than four times the country does not protect, does not mean illegal.You borrowed to show that you both have an agreement, there is an agreement, you urgently need money, the value of this money is high, just like eating bread, like a man full, giving a steamed bread are more. A man is starving to death, a bread saved his life. This is the marginal utility in economics. Small loan company is not a charity.
Therefore, the money owed must also be paid off. If the person is absent, the bank's money may not be paid back if you have not left any assets. No small loan company. Their means are also very much.
I do not know what to think of when you borrowed money. You did not say, I guess. To say a possibility, not enough down payment to buy a house, looking for a small loan mat down payment, bank mortgages, housing total tentative tentative 550,000, down payment of 165,000 small loan companies to borrow.
Micro-money companies real estate speculation is not a wise move, that money can only be used for a few days emergency, you still pay the monthly, soon to double. Two houses attached to not work. Before you borrow money, think about repayment ability and leave room for improvement. This thing is ruthless than gambling, the end of gambling is over, that thing is a hole, more and more holes.
The only way to find ways to raise money.
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