How long does it take for an online loan to be overdue before it is blacklisted
One or two months.
If an online loan is overdue, if it is not malicious and the overdue time is short, only a few days overdue, it will generally not be blacklisted. But if it is overdue for a long time and does not repay for more than one or two months or even longer, it is likely to be blacklisted by the online loan platform.
Also, if the online loan platform is connected to the central bank’s credit reporting system, as long as it is overdue for one day, it may be reported to the central bank’s credit reporting system, leaving negative results on the personal credit report. Credit history.
Nowadays, online loans basically have their own credit system. Each online loan platform is connected to the Internet and can generally record relevant records of users through big data. Therefore, once you are blacklisted by a certain online lending platform, your application for loans from other online lending platforms is likely to be affected by this.
So everyone should develop a good habit of repaying on time when repaying to avoid being overdue and being blacklisted. Of course, if the interest rate on an online loan is extremely high and you cannot afford to repay it, you can also collect evidence and report it. After all, loan sharking is illegal.
After a loan is overdue, there will be the following consequences:
1. Penalty interest and liquidated damages
After a loan is overdue, the first thing is to have Overdue penalty interest.
Alipay overdue penalty interest requirements:
Add 1.5 times interest to the original interest. Overdue interest = overdue amount * number of overdue days * interest * 1.5. The longer the overdue time, the higher the interest rate. The interest rate will be higher. So it’s best to pay it off as soon as possible after it’s overdue.
If the payment is overdue for more than 3 months and the amount exceeds RMB 10,000, and Alipay fails to pay after multiple reminders, the borrower will be sued to the court. At that time, not only will the borrower have to pay back the money, but he may also be liable for legal liability. responsibility.
2. Damage to personal credit
In the past, only some Alipay users’ borrowings were subject to credit reporting, while Huabei was not subject to credit reporting. After Huabei Jiebei is overdue, Zhima credit score will be greatly reduced, and the impact on personal credit report will not be significant.
After accessing the central bank’s credit report, if Huabei Jiebei becomes overdue again, Alipay will upload the overdue behavior to the central bank’s credit report system, and the overdue record will be reflected in the personal credit report.
The information updates in the new version of the credit report are in the T+1 mode, which means that once it is determined to be overdue, the credit report center will update the overdue record in the credit report the next day.
Overdue online loans will lead to poor credit reporting. Credit reporting is proof of personal credit and can be regarded as a person's "economic ID card." When the credit report is bad to a certain extent, it will also have many adverse effects on our daily lives:
3. Impact on personal travel
If the personal credit record is blacklisted, for example He maliciously defaulted on bank loans and was sued by the bank. This will result in the borrower being unable to fly, stay in a star hotel, etc.
4. Impact on employment
Some companies will conduct background checks on employees before joining. If a bad credit record is found, they may think that the person has integrity problems and refuse to let him join the job. .
5. Impact on children’s education and daily life
If parents are included in the list of dishonest persons, in some schools that require political review, the child’s qualification review is likely to fail, and even more serious It will affect joining the army, applying for military academies, taking exams for civil servants, institutions, and state-owned enterprises, etc. How long does it take for a Weili loan to be overdue?
Under normal circumstances, when a borrower is overdue for more than 3 months, he may be regarded as a defaulter. This is a serious overdue behavior, and a serious overdue record will be left on the credit report. , which is not conducive for the lender to carry out other credit loan activities in the future.
If the lender deliberately fails to repay the loan, there is a risk of being appealed by the lending institution. After applying for a credit loan product, the lender must repay the loan in full and on time as agreed. When applying for a loan, It is necessary to fully consider the individual's financial ability and obtain reasonable loans. How long does it take for a loan to be overdue to be put on the blacklist
If the credit card is overdue, generally if it is overdue for more than 90 days, it will be put on the bank's blacklist. If a bank loan is overdue, the borrower will not be on the bank's blacklist if it is overdue once or twice. However, if the credit check is conducted, if the number of overdue loans is relatively high, the borrower will be on the bank's blacklist.
If the borrower fails to repay within the agreed period, the lending institution will punish the borrower and generate penalty interest. The longer the overdue period, the higher the penalty interest rate.
As long as you have an overdue loan record, you will be marked by the lending institution. When you borrow again, you will not be able to enjoy preferential loan products with low interest rates because of bad credit.
When a borrower is blacklisted because he is seriously overdue, his ID number and overdue information will be published in the media, or his workplace will be notified; he will be restricted from taking airplanes, high-speed trains, etc. High consumption; vehicles under the borrower’s name are restricted from using highways, etc. How long does it take for an overdue online loan to be considered particularly serious?
61-90 days.
Since each platform has different regulations regarding overdue online loans, the overdue situations are also different. Different days of overdue online loans have different impacts on personal credit reports. In the credit report, if it is 1-30 days overdue, it is marked as "1", 31-60 days is marked as "2", and 61-90 days is marked as " 3" in sequence.
The more days, the more serious it is. When a personal credit score is "3", the bank will basically put it on the online loan blacklist, or be called a "bad guy". At this time, the situation is particularly serious. The use of basic credit cards will be restricted, and many bank businesses will be blocked. It's difficult to handle.
Generally speaking, if a borrower is overdue for "three consecutive months, six times in total", the bank will regard it as a problem customer. If a customer frequently overdues and does not exceed the grace period each time, the bank will upload it to the credit reporting system as appropriate. At that time, the bank will use its own criteria to measure whether the customer has maliciously overdue.
Extended information:
The consequences of overdue online loan repayment: credit will be damaged, being included in the "blacklist" system, affecting personal credit; penalty interest and liquidated damages, high interest and corresponding liquidated damages; endure the platform’s fancy collections, and if the debt is overdue for a long time, the platform will no longer persuade you with good words and start taking practical actions; incidents such as failure to repay borrowed money are civil disputes, and serious cases will be jailed.
For more serious overdue online loans, once records are left, the records may be retained for 5 years. If the circumstances are particularly serious, the bad debts caused by non-repayment will be retained on the credit report forever.
And there may be obstacles everywhere. If the overdue payment lasts for more than 90 days, it is likely to be blacklisted by the credit report. If you are on the blacklist, it will affect future purchases of houses, cars, and rides. Train tickets, flights, and hotel stays will all have a certain impact.
Therefore, serious overdue online loans or running away will have a great impact on future life.
Baidu Encyclopedia-Online Loans