Consequences of overdue online loans: credit damage, being included in the "blacklist" system, affecting personal credit information; Penalty interest and liquidated damages, high interest and corresponding liquidated damages; After accepting the fancy solicitation of the platform for a long time, the platform is no longer convincing and begins to take practical actions; Such an incident of borrowing money and not paying it back belongs to a civil dispute. If the circumstances are serious, you will go to jail.
First: If the quota is not particularly high, then tell your family as soon as possible! Return the money quickly, because the hole in this money will become bigger and bigger. Now hurry up and make up this skeleton, otherwise it will be really bad!
Second: if you have a job, try to pay back the borrowed money, otherwise it will be rolling interest, which will get bigger and bigger. This is simply the cannibal society described by Master Lu Xun, so we must work hard!
Third: you can't support loans with loans. You know, this can't solve our problems in essence at all, and it will only make our lives fall into greater difficulties. Then we must stop this behavior as soon as possible. This behavior is irrational and needs to be stopped as soon as possible!
Fourth: pay back the money in one lump sum. You should know that interest will continue to increase after the deadline, which will lead to a vicious circle. If you want to pay it back, you must pay it all at once, otherwise you don't know when to pay it back!
Fifth, simply deal with your own bills and see how much money you owe and how to pay it back faster. Then we must make a plan. Our plan will help us pay back the money better, so we must do these things well!
Sixth: Living is more important than anything else. You know, we can make this money, but if we die, everything seems to be solved, but it will still lead to many problems. Then we often give up our lives, and the pain is the people who love us, so we must work hard!
Seventh: these things often lead to many problems now, so we must finish the work in a planned way, then we need a good plan, then our plan must be serious and responsible for ourselves, come on, you will be able to finish it well!
Hello, if you don't repay the loan, there will be the following consequences.
First: Faced with violent collection
Usually one day in loans overdue, the lending institution may call to ask, which is usually 3-5 days overdue, so the collection will start to intensify and I will call you to repay. If it takes more than a week, the collection may take the form of an explosion address book. If you talk to contacts in your phone address book and people who have talked to them recently, you may even mess up these photos when you encounter uncivilized collections.
Second: high penalty interest.
If the online loan is not repaid, in addition to the loan company or the third-party collection company, it will also face a high penalty interest. The longer the time, the more penalty interest.
Third: Big data credit reporting leaves a bad record.
In addition to violent collection and high penalty interest, if the online lending institution connects with the central bank's credit information, once it is overdue, it will leave a negative record on the credit information, which will affect the application for mortgage and car loan in the future. If you don't return it, who will get the bad record?
Even if it is not a credit, it has spent its own big data credit. Now apply for online loans, and the platform will refer to personal big data credit. If the credit is tainted, it is also a second refusal.
You can check your big data credit through WeChat: check the official number and optimize where there is a problem.
Therefore, it is definitely not good to pay back the money. If you can't afford it, you can try to negotiate with the platform.
Any platform that is overdue will enter the credit information. As long as it is overdue, it will affect the handling of credit business. If it is only two months overdue, the house loan may also pass, depending on your comprehensive qualifications. Credit stains also include overdue mortgage, overdue payment of water, electricity and coal, civil judgments, tax arrears, administrative penalties and enforcement records. If the circumstances are serious, it will be difficult to apply for credit cards, loans, etc.