Borrowing from the bank, buying a car and owing the bank 300 thousand won't go to jail. If you use a credit card and owe 300 thousand, it's a credit card crime and you should go to jail.
Article 196 of the Criminal Law stipulates that anyone who engages in credit card activities in any of the following circumstances, with a relatively large amount, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;
(2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card;
(4) malicious overdraft.
2. What if the owner of the mortgage car goes to jail?
If the owner can't repay the car loan after going to prison, he can have the right to meet with a lawyer. After meeting with a lawyer, he can entrust a lawyer to tell his family to handle the problem of car loan repayment on his behalf.
Criminal Procedure Law of the People's Republic of China
Article 33 A criminal suspect has the right to entrust a defender from the day when he is interrogated for the first time by the investigation organ or compulsory measures are taken. During the investigation, only lawyers can be entrusted as defenders. The defendant has the right to entrust a defender at any time.
When interrogating a criminal suspect for the first time or taking compulsory measures against him, the investigation organ shall inform him that he has the right to entrust a defender. The people's procuratorate shall, within three days from the date of receiving the case materials transferred for examination, inform the criminal suspect that he has the right to entrust a defender.
3. Will you be sentenced for buying a car by mortgage and not paying back the loan?
If you borrow 0,000 yuan from the bank and don't pay back the loan, you won't go to jail. If you use a credit card and owe 300 thousand, it is not a credit card.
Article 196 of the Criminal Law stipulates that anyone who engages in credit card activities in any of the following circumstances, with a relatively large amount, shall be sentenced to criminal detention and fined between 20,000 yuan and 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) Using a forged credit card or using a false identity;
(2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card;
4. Will you be sentenced if you buy a car with a mortgage and don't get the money?
Loans overdue's failure to repay the penalty interest will affect the credit record, so I suggest you repay the loan as soon as possible. If the debt is not repaid for a long time, the bank will submit it to the judicial department for handling, subject to the trial result of the judicial department.
Reply time: 202 1-05- 14. Please refer to the latest business changes announced by Ping An Bank in official website.
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