Fine for late payment.

Calculation method of late payment fee:

Single loans overdue days are 10, resulting in a late payment fee of RMB in 30 yuan; The 30th day of overdue days, at

On the basis of the overdue fine that has already been generated, the overdue fine of RMB in 80 yuan will be generated;

60 days overdue, an additional fine of 100 yuan will be incurred;

If the payment is overdue for 90 days, an additional fine of 160 yuan will be incurred.

If the overdue time is long, the former finance will be solved through judicial channels.

How can I repay the former finance after several years overdue?

The best way to deal with the overdue payment of Baiqian Finance is to actively contact Baiqian Financial Customer Service for dunning. However, if the repayment is overdue, you need to pay a certain penalty. Please consult the loan platform for specific expenses. If loans overdue lasts for a long time, the platform will adopt a certain collection method, which will have a certain impact on borrowers. It is suggested to repay the arrears as soon as possible, which will cause serious overdue and will face.

1, and bear high overdue fees. For late fees, different platforms in peer-to-peer lending have different names and charging standards. Whether it is called late fee interest, late fee management or other names, the charging standard is very high. Therefore, whoever can repay on time must not be overdue.

2, collection is generally divided into three stages: the first stage, just a few days overdue, platform customer service, warm reminder, inform you that it is overdue, please repay in time; In the second stage, if it is overdue for a long time, the platform customer service will give a serious warning, and the threat of overdue again will face serious consequences; In the third stage, after a long delay, the platform stopped persuading and began to take practical actions.

1. Ordinary private loans are not owned by banks. If it is overdue, the bank will not record it.

2. If private lending is overdue, the court makes a judgment and executes it. If the borrower fails to perform the judgment, the bank will record it in the list of untrustworthy people, resulting in a bad credit record. Article 255 If the person subjected to execution fails to perform the obligations specified in the legal documents, the people's court may take or notify the relevant units to assist in taking exit restriction measures and record them in the credit information system. Publicize non-performance of obligations through the media and other measures prescribed by law.

3. If the interest rate agreed between the borrower and the borrower does not exceed the annual interest rate of 24%, and the lender requires the borrower to pay interest at the agreed interest rate, the people's court shall support it. The interest rate agreed by both parties exceeds the annual interest rate of 36%, and the interest rate agreement that exceeds it is invalid. The people's court shall support the borrower's request to the lender to return the interest paid at an annual rate exceeding 36%.

4. At present, all online lending platforms have established blacklist systems, and blacklist platforms have also begun to communicate with each other. If one platform is loans overdue, it will be difficult to borrow money on other platforms. In addition, online lending platforms will also publish blacklists through their own online channels such as WeChat and Weibo, and even on the big screens of railway stations and airports. Let the people all over the country know that these "old lai" borrow money and don't pay it back! Of course, ordinary borrowers will not go so far except malicious debtors. There is something wrong with the credit information of China People's Bank.

5. At present, most online lending platforms are not connected to the credit information system of the People's Bank of China, but it has become an inevitable trend to connect to the credit information system of the People's Bank of China. In the future, if overdue loans of online lending platforms are entered into the People's Bank of China's credit information system like bank loans and credit cards, it will cause credit stains.

How to repay the overdue repayment of Baiqian Finance?

The overdue repayment methods of Baiqian Finance are as follows:

1. Bank withholding. When handling a loan, the borrower needs to provide the lender with the debit card number and the name of the bank branch, and bind and choose the bank withholding service for repayment. Although Baiqian Finance missed the automatic monthly withholding time after it was overdue, you can call the customer service staff to apply for manual withholding, just deposit the money to be repaid in a debit card and let the customer service staff withhold it.

Second, manual repayment. Users can also make manual repayment through mobile banking, online banking, offline banking counters and bank self-service terminals. Just call the customer service of Baiqian Finance and ask the other party to provide the repayment account number, or check the repayment account number on the loan contract for manual repayment.

It should be noted that after Baiqian Finance is overdue, there will be overdue penalty interest, so the amount to be repaid will increase, so you should call customer service to find out the repayment amount and repay it in full.

What will happen if Baiqian Finance fails to repay on time?

First, bear high overdue fees. ?

Second, undertake the fancy collection of the platform.

Collection is generally divided into three stages:

In the first stage, just a few days after the deadline, the platform customer service MM whispered warmly to remind you that if it is overdue, please repay it on time;

In the second stage, if it is overdue for a long time, the platform customer service will seriously warn that the threat of overdue will face serious consequences;

In the third stage, it was overdue for a long time, and the platform stopped trying to convince the other party and began to take practical actions. ?