The standard for determining overdue loans. Overdue loans for 90 days are malicious overdues

Different lending institutions handle overdue treatment differently, which also makes many friends curious about what the standards for determining overdue loans are. , today I will tell you about the criteria for determining overdue loans.

1. Determination standards for overdue loans

1. Overdue short-term loans

Generally speaking, lending institutions will regard overdue loans in the short term as For non-malicious overdue loans, as long as the lender repays all the debt immediately, the lender will not be held accountable and will not be subject to a credit report. Different lending institutions have different classifications of overdue loans and different grasps of this time. However, the central bank stipulates that any overdue loan within 90 days will be considered as a collection loan, and it is not a malicious overdue loan.

2. Overdue long-term loans

As for long-term overdue behavior, mainly if the number of overdue days exceeds 90 days, then the lending institution will determine the overdue loan as malicious overdue, and the loan will be listed as For "bad debts", at this time, lending institutions will use various methods to collect debts, such as door-to-door collection and company collection, and even take the debtor to court.

2. How long does it take for a loan to be overdue to be considered maliciously overdue

From the above analysis, a loan overdue for more than 90 days will be considered maliciously overdue. At this time, the lending institution has already considered the loan to be difficult to obtain. If the loan is recovered, the loan will be sent to a specialized collection company for collection. If it exceeds 120 days, the loan will be returned to the lender.

Try not to overdue a loan for more than 90 days, because the credit record will indicate the number of days the loan is overdue. If the loan is overdue for more than 90 days, many lending institutions will not dare to lend to the lender again in the future.

So, the standard for identifying overdue loans is the number of days the lender has been overdue. Generally, if it exceeds 90 days, it will be regarded as malicious overdue, and if it exceeds 120 days, legal measures will be taken. If the loan is overdue within 20 days, As long as the lender actively cooperates with the lending institution, early repayment can be understood and will not have a negative impact on the personal credit report.

What is an overdue loan?

Overdue loans are also called "overdue loans" or "overdue loans". Refers to the portion of the loan that has not yet been repaid within the repayment period stipulated in the contract. From the overdue date, transfer it to the overdue loan account, and indicate the words "Overdue Loan" at the beginning of the loan account. In order to urge loan units to repay overdue loans as soon as possible, 20% of the interest will be charged on the overdue portion. The national loan regulations stipulate that if the principal and interest cannot be repaid on time, the retained basic depreciation fund, enterprise fund or profit retained shall be used for repayment, and the cost shall not be included , occupying taxes or sitting on profits.

According to the relevant provisions of the Contract Law, the borrower's failure to repay the loan within the time limit stipulated in the loan contract is a breach of contract and shall bear liability for breach of contract. The ways to assume liability for breach of contract include returning the principal of the loan, paying interest during the loan period stipulated in the contract, and paying interest on the overdue portion of the loan.

As for the return of the loan principal and the payment of interest during the loan period as stipulated in the contract, there is generally no dispute as the parties have clearly agreed in the loan contract; for the interest on the overdue portion of the loan, the borrower should pay and pay according to what standards When it comes to the end, not only are there huge disputes between the parties, but the standards applied by judges when deciding such cases are also inconsistent, which affects the authority of the law. Lawyers believe that it is necessary to integrate this issue so that everyone can have a unified understanding.

The funds invested by banks in such loans may or may not be recovered in the future. The possibility of suffering losses is extremely high, and commercial banks usually charge penalty interest for this type of lending. Overdue loans are problematic assets of banks, so commercial banks should maintain higher capital reserves, with the reserve ratio generally being 50%.

The overdue loan rate refers to the proportion of overdue loans to all loans.

The overdue loan rate is used to reflect the on-time repayment of the loan. It reflects the loan utilization efficiency and asset risk procedures from the perspective of whether the loan is repaid on time. The purpose of monitoring overdue loan rates is to encourage banks to properly handle overdue loans as quickly as possible.

Article 207 of the Contract Law stipulates: “If the borrower fails to repay the loan within the agreed time limit, he shall pay overdue interest in accordance with the agreement or relevant national regulations.

"The abolished Economic Contract Law and Loan Contract Regulations clearly stipulate the payment of interest on overdue loans and the addition of penalty interest. In 1995, the People's Bank of China issued the "Notice on Interest Calculation Measures after Adjustment of Loan Interest Rates" (hereinafter referred to as the "Notice") ) and the 1999 "RMB Interest Rate Management Regulations" (hereinafter referred to as the "Regulations") have relatively detailed provisions on the collection of interest on overdue loans, and the Supreme People's Court has issued corresponding approvals on such issues.

Overdue loans are. What does it mean? yúqī Overdue [beoverdue] means: exceeding the prescribed time limit. For example: overdue violation, overdue for three days. Generally speaking, overdue means. If the final repayment period stipulated by the bank is exceeded and the consumption amount is not deposited into the designated account in time and in full, such as overdue loans, overdue credit cards, etc., each bank will charge a certain interest for overdue repayment, and each bank will not charge a certain amount of interest. The same, generally the interest is 5%. However, the interest calculation date is calculated from the date of consumption, not the date after the final repayment date. It is recommended that if the entire amount is not paid, you can pay the minimum payment first. Well, it will not affect your credit limit, and there will also be a buffer period, which allows the bank to understand the capital flow of your account in a timely manner and will not freeze the account!

What does overdue loan mean? Comprehensive analysis of overdue loan< /p>

Some friends want to break the bank when they can't repay the loan. They just don't pay it back anyway. That's because these friends don't understand what an overdue loan means, and they don't know what it means. Know the impact of overdue loans. Let’s talk to you about overdue loans today.

What does overdue loans mean?

Overdue loans refer to the loan contract that expires. Unrepaid loan. For example, Xiao Ming borrowed a loan of 50,000 yuan from China Merchants Bank, and the contract stipulated that it should be repaid in three years. If Xiao Ming has not repaid it after three years, the loan is an overdue loan.

What to do with overdue loans

After knowing what overdue loans mean, we should know what to do with overdue loans. We should contact the bank as soon as possible to request grace and seize the time to repay.

Because after an overdue loan, you will not only need to repay the principal and receivable interest, but also the penalty interest. The central bank stipulates that the penalty interest rate is 30% higher than the loan interest rate specified in the loan contract. 50%. For failure to use the loan for the purpose specified in the contract, the penalty interest rate is 50%-100% added to the interest rate specified in the contract. According to Xiao Ming's 50,000 loan, the penalty interest rate for overdue loans is. It’s not a small fee, and the longer the delay, the higher the penalty interest, which is quite uneconomical for Xiao Ming.

What are the effects of overdue loans?

Whether everyone knows about overdue loans or not. What does it mean? We all need to know the impact of overdue loans. Generally speaking, as long as you have a loan relationship with a bank, your personal credit report will be displayed at any commercial bank credit outlet. If your overdue record is less than two years old, the bank will add up the score, and the possibility of loan rejection will increase in the future.

I hope that after reading the full article, everyone will have a certain understanding of overdue loans, not only what overdue loans mean, but also the impact of overdue loans. At the same time, we would like to remind everyone that the overdue limit required by the lending bank is that it cannot occur twice in the past three months, three times in the past six months, and four times in one year. If there are too many overdue loans, or if the overdue period reaches or exceeds three months or more, you may be on the bank's blacklist, and you will basically be unable to get a loan from the bank. If you have loan needs, you can go to

and take a look. There are loan platforms there that allow you to borrow money even if you have an overdue loan.

What is the overdue loan of Bank of China Mobile Banking?

Overdue loan of Bank of China Personal Mobile Banking:

Overdue loan usually means that after the loan expires, the borrower fails to complete the loan in accordance with the terms of the loan without applying for the relevant extension or refinancing. The contract stipulates that the loan principal and interest will be returned to the bank that issued the loan within a time limit, resulting in a phenomenon where the loan exceeds the agreed period.

Warm reminder:

1. In the overdue information query, only the overdue information of this loan account can be queried, but the repaid information cannot be found.

2. The accumulated overdue interest includes penalty interest.

The above content is for your reference, please refer to actual business regulations.

This is the end of the introduction about what is an overdue loan and what is an overdue loan repayment. Have you found the information you need?