Failure to repay a car loan will affect an individual’s credit record and incur overdue fees and interest. According to my country's credit-related system regulations, a bad credit record will only occur if a loan or credit card is overdue for more than three times or is overdue for more than 90 days. These are automatically controlled by the system. If you only have no money for one month, you only need to pay off the loan principal and interest for the two months before the interest settlement date of the next month. However, between the interest settlement date of this month and the next interest settlement date, the unpaid interest will accrue penalty interest. According to my country's credit-related system regulations, bad records will only occur if interest is overdue for more than 90 days, and these are automatically controlled by the system. If you only have no money for one month, you don’t need to apply. You just need to pay off the interest for these two months before the interest settlement date of the next month. However, between the interest settlement date of this month and the next interest settlement date, your unpaid interest will accrue penalty interest.
Loan maturity:
1. Failure to repay the bank within 1 month will incur penalty interest;
2. 1 month (more than 30) the bank will There will be a text message notification;
3. If it is more than 3 months (90 days), the bank will notify you by phone or come to collect the debt;
4. If it is more than 6 months, the bank will sue the court and will A court summons will be sent to the borrower's home. Regardless of whether the borrower appears in court on the court date, the court will freeze the borrower's original mortgage loan to the bank and then conduct an auction. The proceeds from the auction of the mortgage will be used to repay the loan. payment. If the auction proceeds are greater than the amount owed (the amount the borrower needs to pay = principal, interest, liquidated damages, late payment fees, prosecution fees, attorney fees, etc.), then the excess will be returned to the borrower. However, it is rare to have extra money.
2. Loan precautions
1. Do not use provident funds before applying for a loan. If the borrower withdraws the provident fund balance before the loan is used to pay for the house, the provident fund balance on your provident fund account will be zero, and your provident fund loan limit will also be zero, which means that you will not be able to apply for a provident fund loan. .
2. Do not repay in advance within the first year of borrowing. According to the relevant provisions of provident fund loans, partial early repayment should be made after one year of loan repayment, and the amount you repay should exceed 6 months' repayment amount.
3. Don’t lose the loan contract and IOU. When applying for a mortgage loan, the loan contract and IOU signed between the bank and you are important legal documents. Since the loan term can be up to 30 years, as a borrower, you should keep your contract and IOU properly.
4. If you have difficulty repaying your loan, don’t forget to find a bank near you. When your repayment ability decreases during the loan period and you have difficulty repaying the loan, don't hold on to yourself. ICBC customers can apply to ICBC to extend the loan period. If it is found true after the bank's investigation and the loan principal and interest are not in arrears, ICBC will accept your application to extend the loan period.
5. Don’t forget to notify your obligation when renting a house after taking a loan. When you rent out a mortgaged property during the loan period, you must notify the tenant in writing of the fact that it is mortgaged.
6. Don’t forget to cancel the mortgage after the loan is paid off. After you have paid off all the loan principal and interest, you can go to the real estate transaction center in the district or county where the property is located to cancel the mortgage with the bank's loan settlement certificate and other certificates of real estate rights of the mortgaged property.
In short, the most severe legal consequence of non-payment of a car loan is that the court will enforce the legal property in your name. If you have a loan, the car is equivalent to being registered as a mortgage. Therefore, if you don’t repay your car loan, you will end up losing both your money and your car. Having a bad credit record in life, it is estimated that there will be no chance of getting a loan in the future, so young people must consider the consequences clearly when making purchases.
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[Lawyer’s reply] 1. The ID card is about to expire, so you can apply for it 2 to 3 months in advance; if there is an emergency, you can apply for temporary status certificate. 2. Article 15 of the Implementing Rules of the Resident Identity Card Regulations stipulates that citizens shall apply for a new resident identity card three months before the expiration date of the resident identity card, and the household registration authority shall issue the new card to the person before the expiration of the old card. . 3. The "Identity Card Law of the People's Republic of China" stipulates that citizens can apply for a replacement ID card 3 months before the validity period of the ID card expires. Detailed procedures for replacing the second-generation ID card: 1. Prerequisites for card replacement: The resident ID card has expired, the citizen’s name has changed, or the document is seriously damaged and cannot be read. (If the certificate is renewed due to expiry date, you only need to pay 20 yuan, while if it is lost or damaged, you need to pay 40 yuan). 2. Advance time for card replacement: When applying for a second-generation ID card, the public security organ shall issue a resident ID card within 60 days from the date the citizen submits the "Resident ID Card Application Registration Form". 3. Change: Nationwide, newly issued second-generation ID cards require fingerprints.
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If you start serving as a soldier in 2023, you can get it in 2026 How much does it cost
[Lawyer’s reply] There are many components of veterans’ retirement pay, and they vary with different military ages, different branches of the military, different regions, and different personal circumstances. I just want to tell you that in addition to some other expenses, soldiers who have served for less than 12 years will receive a one-time retirement pension of 4,500 yuan for each year of service after they are no longer responsible for job placement.
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Then I applied for an ID card in 2018 and it will expire in 2023, then I will 14 years old. Then I will be 19 years old in 2023. How many years will the ID card be valid for?
[Lawyer's reply] According to the "Resident Identity Card Law of the People's Republic of China", citizens under 16 years old, Those who voluntarily apply for a resident identity card will be issued a resident identity card valid for 5 years. The validity period of the resident ID card of citizens over 16 years old is 10 years, 20 years, or long-term. Those aged 16 to 25 will be issued a resident identity card valid for 10 years; those aged 26 to 45 will be issued a resident identity card valid for 20 years; those over 46 years old will be issued a resident identity card valid for a long time. Citizens should apply to the public security bureau at the place of their permanent residence to obtain a resident identity card within 3 months from the date they reach the age of 16. Citizens under the age of 16 must apply for resident status on their behalf by a caregiver
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Hello! How much is the approximate pension for cadres from public institutions who will retire in 2023? Thanks!
[Lawyer’s reply] The employment-based public institutions use work as a substitute for cadres to retire. If they are male, the retirement age for both cadres and employees is 60 years old, which is the same. If you are a woman, if you are a cadre, you are 55 years old, and if you are an employee, you are 50 years old. People who do work as a substitute can retire according to the age of cadres. After the implementation of the Labor Law, all enterprises are required to implement a labor contract system. Therefore, within the same enterprise, the various identity boundaries of employees are broken. Workers can work in management positions through labor contracts, and cadres can also work as front-line workers. Therefore, when determining the retirement age, the Ministry of Labor issued (1995) No. 309. Article 75 clearly stipulates: After all employers implement the labor contract system, if an employee's position in the employer is transferred from the worker position before the transformation to the original cadre (technical) position or the original cadre (technical) position is transferred to the original worker position, the retirement age and conditions shall be implemented in accordance with the national regulations of the current position. This means that after the employer (including enterprises and institutions) implements the all-employee labor contract system, employees who are hired should retire according to the conditions of cadres.
Lütu Legal Consulting
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Lawyer Liu Qisong
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When can people born between September 9, 1963 and 2023 apply for retirement procedures?
[Lawyer’s reply] Nowadays, it is all about gradual retirement. According to the plan of the Ministry of Human Resources and Social Security, a progressive delayed retirement will be implemented. The retirement age will be extended by a certain number of months every year until it reaches the new statutory retirement age after a long period of time. .
Specifically, when will each person retire? For example, if delayed retirement is implemented from 2022, it will be delayed by six months each year. According to the current retirement framework (50 years old for female workers, 55 years old for female cadres and male workers, and 60 years old for male cadres) ), then the retirement ages in 2022 will be 50.5 years old, 55.5 years old and 60.5 years old respectively. People who originally retired in these two years will have to work for half a year longer. And so on until a new retirement age is reached. So you can start measuring according to 60 for men and 55 for women
Litu Legal Consulting
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What are the legal consequences of drunk driving in 2023?
Driving a motor vehicle while drinking alcohol will result in a fine of 1,000 yuan to 2,000 yuan, 12 points and a driver's license suspension for 6 months; drinking and driving Operating a motor vehicle will be fined 5,000 yuan, recorded 12 points, detained for up to 15 days, and prohibited from re-obtaining a driver's license within 5 years.
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Traffic Accident
How much pension can I receive from 2023 if I have paid social security freely in Fengshun County for 18 years?
[Lawyer’s reply] Hello, you need to consult the Social Security Bureau.
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Hello, lawyer. I have been working for 13 years and two months, and I have paid pension insurance for 13 years and two months. I am 62 years old and can retire in August 2023. , I asked how much money I can get per month at that time
[Lawyer’s reply] You can ask the social security department for details.
Lawyer Yang Quanfa
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I would like to ask, a loan of 40,000 points will be repaid in 2023 in 36 installments. Can you sue? ! ! It's been over a year since I paid it back.
[Lawyer’s reply] In order to ensure a good credit record, it is recommended that you repay in accordance with the contract. Late repayment may result in unnecessary liquidated damages. If you purchased a "flexible repayment service package" when applying for a loan, you can apply for a deferral of repayment after paying 5 installments in full. For specific details, it is recommended that you contact customer service as soon as possible to ask relevant questions