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What will happen to cosmetic surgery loans overdue?
Plastic loans overdue, there will be a penalty. The longer the time, the more penalty interest will be generated, which will increase the burden of returning the arrears in the later period. If it is overdue for a long time, the loan platform will collect it. The common collection method is to call the borrower, which will seriously affect your normal life. If you face up to loans overdue, it is still possible to get credit information. If the lending platform is connected to the credit information system, after the borrower fails to repay the loan, the platform will upload the overdue records to the credit information center, which will affect the handling of various loans, such as car loans or mortgages.

Plastic surgery, originally a high-priced and risky project, can be done by anyone who is whitewashed by "installment payment", "zero down payment, zero interest and zero service fee". College students are the majority of cosmetic customers. Because there is no economic source, we can only borrow money through various channels such as mobile phone loans and WeChat loans, and robbing Peter to pay Paul will bear considerable repayment pressure.

Nowadays, medical loans in the market are characterized by small scale and unorganized, which is actually the result of lack of supervision. As we all know, in fact, cosmetic surgery has a certain periodicity during and after surgery, which requires a lot of expenses and maintenance. It is reasonable to design the risk control and repayment model of medical beauty as close as possible to this subdivision scenario and further subdivide it into different scenarios and people.

Previously, due to a series of problems such as ultra-high interest rates, naked loans and violent collection, the CBRC had issued relevant requirements. Except for banks and other financial institutions, other institutions cannot issue campus loan products, and a series of medical disputes, compensation, bad debts and other issues in beauty medical loans make consumers have no way to complain.

Medical staff reminded that plastic surgery is a traumatic treatment with certain risks. Consumers should consider their own situation before deciding to do plastic surgery, and don't blindly follow suit. Not to mention the "over-medical treatment" and "over-plastic surgery" caused by the small monthly repayment after installment. Attracting low-income groups by installment has become an important marketing tool for plastic surgery hospitals.