First of all, you must have a real willingness to repay. You can't say that you want to repay, but you hate the bank, society and others in your heart and feel that you are in debt because of others. Or I feel that I don't have to die for asking for money, but I am fearless after I get into debt.
Second, debtors who want to apply for installment again must have their own legitimate reasons, and can coordinate with institutions and banks. They can't feel that they can hang up by entrusting everything to others. Debtors must know that coordination is the work of institutions, but debtors solve their own problems.
Third, before applying for installment, the debtor must understand that this installment is the last time the bank trusts the debtor. With a satisfactory repayment plan, the debtor must work hard to make money and repay on time, and can't be overdue again, otherwise everything will be in vain.
overdue consequences:
1. Default interest
Usually, when the loan is not paid in full on the interest payment date, the bank will temporarily list it as a collection reminder, and call the borrower to remind him to pay within 7 days. If it is made up within 7 days, the bank will not charge any late fees. However, if the payment is still overdue for more than 7 days, the bank will classify the loan as "collection" and "deferred payment", and then you must pay the late payment fee or penalty interest. The penalty interest intensity of each lending institution is different. For example, the penalty interest of Citibank is 5% on the basis of the original interest rate.
2. blacklisted and recorded in the bad credit file
The name of the lender will appear in the internal system of the bank the next day after the deadline, and the credit report will inevitably leave a bad record. If you haven't paid your bill for more than three months, it's very serious. Borrowers will be noted with bad credit records in the joint credit center, commonly known as "blacklisted", and may be retained for more than 3 years.
3, affecting future loans and handling credit cards
As long as you enter the blacklist, handling mortgage loans and car loans will be affected. Penalty interest is only a loss of money, and bad credit record is a loss of intangible assets, and its influence can't be compensated by money.
4. If you can't enjoy the preferential loan
mortgage loans, if there are many overdue repayment records in the past loan records, even if you don't enter the blacklist, you may not be able to get the preferential interest rate of bank mortgage loans smoothly, or even be refused a new mortgage.
5. Children can't go to aristocratic schools because they can't fly, take the high-speed train and drive cars.
Once the person who refuses to execute the court judgment or ruling is blacklisted, they will not be able to fly, and the children of the high-speed train will not be able to go to high-cost schools, and they will not be the legal representatives of the new company. There will be more punishments in the future, and it can be said that life will be difficult.
6. Personal career may be affected
For students who have been studying in loans overdue for more than 9 days in a row, the bank or school may publish their names, photos, ID numbers and overdue information in the media, or inform the work unit, and the bank will also sue.
7. Be sued by the bank and executed by the court
If sued, the court will take property preservation measures according to the creditor's application, freeze the deposits of the lender and the loan guarantor, and seal up the corresponding property such as real estate and vehicles. After the judgment, it will be enforced according to law.
8. Those with serious circumstances will be subject to legal sanctions until sentencing
If they refuse to implement the effective legal documents, the person subjected to execution will be subject to legal sanctions, including judicial custody until he assumes criminal responsibility.