Ant borrowing is a loan service provided by Alipay to users. If the loan of RMB 6,543,800+is overdue for one year, the consequences will be very serious:

1. Call and SMS collection in the early stage, and may directly entrust the collection company in the later stage, which will seriously affect the normal life of individuals;

2. The overdue penalty interest shall be calculated at the daily interest rate of 0.5 ‰ per day, with monthly compound interest, 1. If the payment is overdue for one year, the total interest is:100000 * 0.05% * 365 =18250 yuan (excluding compound interest).

3, affecting personal credit information, Lending Bao is a genuine loan platform, and most of the cooperative staging institutions have credit information. If it is overdue for one year, personal credit information will definitely leave a stain.

In addition, the most serious consequence is that Alipay may take you to court and still refuse to perform the repayment, which may lead to criminal responsibility.

In 2020, what will happen if ants borrow 65,438+10,000 yuan overdue for one year?

Alipay loan is a popular credit product. Many friends will choose to apply for a loan through Alipay when they encounter financial difficulties. Although the emergence of credit products provides more convenience for people to borrow money, there are more and more overdue phenomena caused by the inability to repay after borrowing money. So what will happen if ants borrow 654.38+10,000 yuan in 2020?

The loan is a credit loan in Alipay. At present, loans are not open to the public. Only some high-quality users with better qualifications are invited to open lending. Users who open loans can get a loan amount of up to 200,000 yuan. The specific amount is determined by the system evaluation. If you can borrow 654.38 million yuan from Alipay, it means that your personal comprehensive credit is excellent, otherwise you can't borrow such a high amount. Users use ants to borrow.

1, Alipay sanctions. Borrowing is a credit loan product in Alipay. If it is overdue, Alipay will restrict your account, such as restricting Alipay account, borrowing function and quilt cover function. The loan is overdue by 6,543,800 yuan, and the overdue time reaches 654.38+ 0 years. In this case, you can't borrow money later.

2. Personal credit is damaged. The loan is a credit inquiry at the meeting. After the user is overdue, Lending Bao will upload his overdue record to personal credit information. If personal credit information is damaged, it will affect the application for loans or credit cards in the future. And overdue loans will affect sesame credit. If the sesame credit score decreases, many functions of Alipay related to sesame credit will be affected.

3. Bear a high penalty interest. In loans overdue, the platform will charge overdue interest to users. The overdue fee is generally calculated on a daily basis. The overdue amount is 6,543,800 yuan, and the time is as long as 654.38+ 0 years. The overdue fee is not small.

4. Be sued. If the overdue situation is serious, such as the overdue amount is large, or the overdue time is long, then the borrower can choose to recover the arrears through legal channels. Once the borrower sues, if the court decides not to repay the loan, overdue users may be included in the list of untrustworthy people, and the late consumption of untrustworthy people will be restricted.

As can be seen from the above, the consequences of overdue loans are very serious. I suggest that you borrow money reasonably at ordinary times and repay it on time to avoid unnecessary trouble for yourself.

What will happen if you owe 65438+ ten thousand yuan?

If you borrow money and don't pay it back, if you sue the user by borrowing money, and the user still refuses to pay back the money, and the court enforces it, then it will be listed as the person who has lost faith. The borrower has not sued the user, and no matter how long it is overdue, the user will not become a faithless person. But as long as loans overdue, users can't use loans and reserve funds.

In fact, the biggest impact of overdue loans is to lead to poor personal credit reporting. Individual users cannot apply for any credit business when their credit information is poor.

In order to maintain a good credit record, we should also pay attention to our online loan big data in time. This can be done by: building a quick check in the north, clicking on the query to see our own online loan big data report, so as to maintain good credit at all times.

Extended data:

What happens when you become a man without faith?

Once you become a faithless person, you will have the following bad consequences:

1. Assets are frozen and sealed up (including the only house, the property under the name of minor children, the joint property of husband and wife can also be enforced, and fixed income such as pension can also be directly deducted).

2. Limit high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level.

3. Restrict buying houses, trading stocks and going abroad.

4. It is limited to the second-class and above cabins of airplanes, soft sleeper trains and ships, as well as all seats of G-prefix EMU trains and first-class and above seats of other EMU trains.

5. Restrict being a director, supervisor or senior manager.

6. Applying for credit cards and loans will be rejected.

7. Restrict children from attending private schools with high fees.

8. The Supreme Law will be sentenced to seven years' imprisonment: The Criminal Law clearly stipulates: "Whoever refuses to execute the judgment or ruling of the people's court, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or fine; If the circumstances are especially serious, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.

Will you go to jail if you owe 65438+ 10,000 yuan for the time being? What are the consequences? -Stock market financing

Lending treasure is a consumer credit product under Ant Financial. When many people encounter difficulties in capital turnover, they will think of borrowing money for the first time, which can alleviate the urgent needs of users. However, some people are difficult to repay because of excessive consumption, so will they go to jail if they temporarily owe 654.38+10,000 yuan? Let's go and have a look.

borrow

Alipay officials said that the current debt of 654.38+10,000 yuan will not be imprisoned, because the debt owed by borrowing money belongs to private lending, and overdue repayment can only be regarded as an economic dispute, and only criminal cases will involve imprisonment. Although the money owed cannot be repaid, there is no need to bear criminal responsibility, but the basic civil responsibility must be borne.

Nowadays, if you can't pay the loan, there will be these serious consequences. First of all, there will be high interest charges, credit information will be damaged, it will be blacklisted for dishonesty, it will be fancy collection, and it will even be sued to the court. So remind users not to blindly consume or borrow too much.