Bank loans pay interest on the 20th day at the end of each quarter, which has nothing to do with non-performing loans, but bad records will only be generated if the loans are not repaid at maturity. For example, it is stipulated that the interest will be settled on the 20th of the last month of each quarter. If the repayment is 2 1, it means that it is overdue. However, if 19 repays the loan, it will not be overdue, but it will be repaid in advance, and there will be no bad record.
The interest settlement time of deposits and loans is usually called the interest settlement date. General deposit and loan interest is settled quarterly at the monthly interest rate, that is, the 20th of the last month of each quarter is the settlement date (March 20th, June 20th, September 20th, 65438+February). The start and end date of interest calculation is 2 1 day of last quarter month to 20th of last quarter month. When a citizen with a bad credit record borrows money from a bank and fails to repay it as agreed, the bank will submit relevant information to the People's Bank of China, and the People's Bank of China will write the above behavior into the citizen's personal credit record. Such a record is called a bad credit record. If you don't repay in time after the interest settlement date, you will have a bad record.
In any of the following circumstances, it shall be recorded in the bad records of the bank.
1. The customer's personal credit information system or bank and interbank accounts (including housing loans, automobile consumption loans, personal consumption loans, credit cards, etc.) are overdue. ), or have a bad record that is overdue for more than 90 days once a year (that is, the overdue status flag is "4").
2. Knowing that the customer has any of the following circumstances through other credit channels:
1) is listed in the bad customer information database of banks, peers or credit reporting agencies due to illegal card use;
2) The defendant has a major lawsuit or arbitration and other legal disputes;
3) maliciously defrauding bank funds;
4) He has a criminal record during his imprisonment or in the last seven years.
3. Other bad credit behaviors identified by the issuing bank.
4. The customer has a bad record of more than 60 days overdue in the bank credit information system within 12 months (that is, the overdue status flag is "3").
If the minimum repayment amount can be guaranteed and only the loan interest is charged, it will not be overdue and there will be no bad record. A bad record is a failure to fulfill repayment obligations after a malicious overdraft.
5. The quarterly interest settlement method is applicable to deposits and loans in the liquidity field of industrial and commercial enterprises (including agriculture). If the interest is calculated according to the annual interest rate, it will be settled once a year, and the settlement date will be 65438+February 20, except for the infrastructure loan of China Construction Bank. That is, from 65438+February 2 1 day last year to 65438+February 20 this year, it is regarded as an interest settlement period.