Alipay previously released data, the post-90s population was about 200 million, while the post-90s flower garden users were about 80 million, of which overdue users only accounted for 1%. As can be seen from this data, most post-90s still attach great importance to personal reputation.
202 1 Due to the epidemic situation in COVID-19, the overdue number will increase. After all, more people apply for credit loans with credit cards.
Danger of expiration
1, resulting in penalty interest.
When a lender signs a loan contract with a lending institution, there are usually relevant provisions of loans overdue in the contract. Generally speaking, overdue loans will generate additional penalty interest, each lending institution is different, and the amount of penalty interest and the interest generated are also different. Loans will have corresponding interest and expenses, and overdue loans will lead to additional expenses, which is very uneconomical.
2. Credit stain
The degree of credit is related to all aspects of life. If there is a loans overdue, the overdue record of this loan will be uploaded to the personal credit information system of the central bank, which will make the borrower have a bad record in the credit information system and leave a credit stain.
Credit stain is very unfavorable to borrowers. If there is a credit stain, it will hinder borrowers from applying for loans and credit cards in the future, and even seriously affect borrowers' flying and high-speed rail.
It is difficult to enjoy preferential loan interest rate.
When a borrower applies for a loan in a bank, the bank will adjust the loan interest rate according to the borrower's credit record and qualification. Generally speaking, high-quality borrowers with good credit are more likely to get loans with lower interest rates. If the borrower suffers credit damage due to loans overdue, even if he gets a bank loan, it is difficult to achieve a lower loan interest rate. Affected by the epidemic this year, many people are still overdue. Although it seems that I haven't worked for a month or two, in fact, many people are having a hard time this year. Some companies have been hit by the epidemic and have no orders. Some companies plan to rest for half a year, and some companies have closed down. Because I haven't done anything for a month or two, it seems that I can survive. However, many people lost their wages, incomes and even jobs because of this virus incident. It is normal for this situation to be overdue.