What to do if the platform loan is not up yet
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What to do if the platform loan is not up yet
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1. The borrower finds friends and relatives to borrow money first to return the platform's money, because borrowing money on the platform will not have high penalties and overdue expenses, which will not only make users pay more pressure on repayment.
2. Users can get in touch with the staff of the borrowing platform, and strive to allow the platform to agree to negotiate repayment, or minimize repayment, reduce the pressure on repayment, and try not to overdue.
The expansion information:
. The overdue of platform loans
1. Under normal circumstances, the interest on loan during overdue may be higher, or there are liquidated damages. The loan is not paid. The first thing encountered is high penalties. On the basis of penalties, some financial institutions also need to pay a liquidated damage. These expenses are added, but a lot of expenses.
2, credit damage. Borrowing the money of the bank and not paying it out within the time limit, your personal credit report will leave stains. In the future, if you want to apply for a bank card and apply for a loan, it is difficult to add. Even if a small loan company is not included in the credit, there is a set of shared "blacklist" system in the circle. If the family does not pay it back, it is difficult for other loans to be approved.
3, collected by various means. Whether it is a bank or a small loan company, it has its own collection system. The junior will send you text messages and bombing your communication with your communication, including your family, relatives and friends, and have a serious degree. There will even be a person who urges the collectors for 24 hours and is seriously disturbing your work and life.
4, the prosecution, assets may be sealed. Financial institutions will also armed themselves with law. If the arrears are not repaid, the amount is relatively large, and it will be prosecuted. Once the court is verdict, even if you are reluctant, you must implement the "repayment ruling". Otherwise, the court will seize your real estate in accordance with the law to repay the arrears with auction.
5. If the bank is not returned, it can involve fraud. The serious one is to go to jail. The court will investigate the criminal responsibility of the lender, and even go to jail.
. Precautions for loans
1, borrowing amount:
Is when applying for loans, the amount of application should not be too high, and the greater the loan amount, the higher the possibility of being rejected. At the same time, the borrower must also apply for the loan amount combined with their own repayment capabilities to avoid economic pressure due to the high monthly supply.
2, borrowing information:
The borrower must ensure that the information provided by the loan institution is true and complete. Once they are found to be suspected of fraud, the loan institution will directly refuse the loan.
3, loan use:
Is when the borrower fills in the loan use, it should be frank and clearly writing the use of the loan, which can be easier to pass the review.