I () applied for a () loan at the bank () on () of () for a term of (). Because () didn't repay the loan on time, I was () days overdue, and then I paid off all the arrears and interest at (). Through this loan, our company understands the importance of credit record, and also knows that its credit impact is irreparable. I promise to pay off the loan on time next time and keep a good credit record.
Hereby! Borrower: MM DD YY.
The reason for overdue may be the change of work, which leads to the decrease of income and inability to repay; Family members or borrowers are dead or missing, and there is no repayment; If the developer delays the delivery of the house, delays the handling of the property right certificate, or there are serious quality problems in the purchased house, the purchaser will defend on the grounds of refusing to repay the loan; Some borrowers have a weak legal awareness and deliberately default on loans; Due to work reasons, I have been away from home for many years and can't repay the loan in time.
Provide several ways to prevent overdue repayment.
First, read the contract carefully.
When signing a contract, we must read it carefully. First, be sure to read the repayment date clearly at the first time and remember your repayment date. Secondly, we must read the excellent materials carefully and understand them correctly. Only by knowing the numbers in your mind can you effectively avoid overdue. Repay on schedule.
Second, make repayment by associating with your commonly used bank card.
Most people forget to repay rather than unable to repay, so they can choose to associate their own bank cards and let the system automatically deduct money. At the same time, they can fill in 2-3 days in advance of the repayment date to avoid overdue transfer.
Third, apply to the bank to extend the loan time.
If you happen to have problems with your time, I suggest you contact the bank to explain your situation and whether you can apply for long-term repayment to avoid high penalty interest.
Fourth, as far as possible, let the bank send text messages to remind repayment.
5. Choose a responsible financial service company to help you with the loan, and ask your financial advisor to help you remember the repayment date and remind you to repay.