How to write an application for inability to repay the loan

Write the application in the middle of the first row, and empty two boxes in the second row to start writing the text: Hello, xxx, I am unable to repay the loan recently. Thank you very much. Then write my name and date in the lower right corner

What are the best ways to deal with the inability to repay

_

There are three main ways to deal with it. 1. Negotiate with the lending institution: When it is found that the loan has not been paid, it is necessary to negotiate with the institution for repayment at the first time; 2, find ways to raise funds: you can borrow money from friends and relatives to repay, and then you must promise when to repay the principal and interest; 3. Give priority to loans with a high amount: if you have income every month, you should also make reasonable plans when you repay

The latest policy of credit card suspension in major banks

1. Credit card of Shanghai Pudong Development Bank: 6 to 6 installments! There is a general reduction, especially for accounts with universal funds.

2. Credit card of China Everbright Bank: 6-6 installments! The processing efficiency of China Everbright Bank has become higher recently.

3. Credit card of China Merchants Bank: stop interest in 6 to 6 installments! The processing speed of China Merchants Bank has accelerated, and it will generally be accepted, but there is almost no reduction.

4. Credit card of CITIC Bank: 6-6 installments of interest cessation! Most people need 5%-1% down payment, but some don't.

5. Bank of Communications Credit Card: 6-6 installments! The characteristic of Bank of Communications is that the small amount can be divided into multiple periods, and only a few hundred pieces need to be paid back every month.

6. Credit card of Industrial Bank: 6-6 installments! The processing speed is faster and the number of periods given is longer.

7. Huaxia Bank Credit Card: 6-6 installments! The processing speed is relatively slow, and the number of issues is quite satisfactory.

8. Minsheng bank credit card: stop interest in 6 to 6 installments! Minsheng Bank is the slowest bank, and the latest new rule is that it must be overdue for three months before it can be discussed.

9. Credit card of China Construction Bank: 6-6 installments! The speed is slow and the number of issues is not high.

1. ICBC Credit Card: 6-6 installments! The speed is slow and the number of issues is not high.

11. Credit card of Agricultural Bank: 6-6 installments! It takes more than 4 months to apply, which is slow.

legal basis: article 7 of the measures for the supervision and administration of credit card business of commercial banks. under special circumstances, if it is confirmed that the amount of credit card debt exceeds the cardholder's repayment ability and the cardholder still has the willingness to repay, the issuing bank can negotiate with the cardholder on an equal footing and reach a personalized installment repayment agreement. The longest term of personalized installment repayment agreement shall not exceed 5 years.

The contents of personalized installment repayment agreement shall at least include:

(1) the balance, structure and currency of arrears;

(2) repayment period, method, currency, date and repayment amount in each installment;

(3) whether the annual fee, interest and other expenses are collected during the repayment period;

(4) the cardholder shall not apply for a credit card commitment from any bank before all the relevant funds in the personalized installment repayment agreement have been settled;

(5) rights and obligations of both parties and liabilities for breach of contract;

(6) Other matters related to repayment.

if both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing service institution shall stop the collection of the cardholder, unless the cardholder fails to perform the installment repayment agreement. If an oral repayment agreement is reached, the issuing bank must keep the recorded data. Recording materials shall be kept at least until the date of settlement of arrears.

How to write an application for interest-free loans

Conditions for interest-free loans from banks:

1. China citizens aged 18 to 45 with full civil capacity;

2. Proof of fixed residence and business place. The proof of fixed residence can be the real estate license (or the real estate license of parents' names), and the proof of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.

3. proof of funds. The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend or not, because the amount of venture loans is generally not more than 7% of the total amount of funds needed by lenders for normal production and business activities, as well as for purchasing (installing or repairing) small equipment and franchising.

4. settlement account. The loan applicant must open a settlement account with the bank he is lending, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the relevant national laws and the provisions of the Bank's credit policy, and it is not allowed to be used for other speculative investment projects such as equity.

5. loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge and third-party guarantee. In addition, they should provide some information about their credit status, repayment ability and loan investment to the bank as much as possible, which will increase the credibility of loans and facilitate the smooth acquisition of loans.

6, good reputation, no bad records;

7. The project conforms to the national industrial policy and regional economic development, and has good economic and social benefits. Entrepreneurs can consult the local labor department if they want to apply. At present, whether individuals pay interest first, then financial subsidies, or financial interest in advance has not yet been determined, but the financial discount is certain.

The conditions for interest-free loans of each bank are different, but the above items need to be met, and then there will be more procedures. You must prepare all the information before lending, so as not to waste time running back and forth.

how to write an interest-free loan application?

I. Model essay on application for interest-free loans in rural areas

Bank:

I am from a village in a province, city, county and township, and my current assets at home are: square meters of house, worth 1, yuan (tell me about my experience and assets and liabilities).

in order to develop the economy, I want to contract a forest to raise 1 sheep in my hometown. Introduce how much it costs to raise sheep, how much money you can earn a year, and whether there is enough money to repay the bank loan.

I'm applying for a loan of RMB 1,. Yuan for mortgage or guarantee, with a term of one year, which will be repaid after the maturity.

Please approve

Applicant:

Article 47 of the Civil Code. The contents of the contract are agreed by the parties, and generally include the following clauses:

(1) the name and domicile of the parties;

(2) target;

(3) quantity;

(4) quality;

(5) the price or remuneration;

(6) time limit, place and method of performance;

(7) liability for breach of contract;

(8) methods to solve disputes.

the parties may conclude a contract by referring to the model texts of various contracts.

II. Conditions for interest-free loans in rural areas

The applicant is honest and keeps his promises. Only those farmers with good character and promising prospects can easily pass when applying for interest-free loans in rural areas. Although they are in financial difficulties, they have a good reputation, work hard with the money obtained from interest-free loans, and can keep their promises and repay them on time. On the contrary, those farmers who have poor character, bad reputation and don't keep their promises have to bear greater risks when lending money to them, and it is difficult to pass ordinary loans, let alone interest-free loans.

the applicant's loan is used for projects supported by the state. Farmers who produce and develop agriculture and aquaculture supported by the state in rural areas are eligible to apply for interest-free loans in rural areas. Agriculture, countryside and farmers have always been the leading factors in China's economy, and national policies have also supported some rural production activities. Giving these producers the ability to apply for interest-free loans in rural areas can better stimulate their enthusiasm.

the applicant has repayment ability. Loans from any institution will be repaid in the end, and applicants for interest-free loans in rural areas must also have the ability to repay in full and on time, otherwise credit cooperatives will not lend you money.

How to write an application for loan relief

Report on the application for loan interest relief

Dear leader:

xxx, male, aged 4, from our new town, worked in the people's government of the new town and worked as a secretary for many years. Due to the reality and environment of villages and towns in the past, thanks to the concern of leaders at all levels, I have handled loan business in your bank since 1999. After the city cleaned up the loan for public officials, my salary has been stopped by the Municipal Finance Bureau since 22. Now, with the help of your bank's leaders, I have signed a letter of commitment with your bank and the Municipal Finance Bureau, and I am willing to repay all the loans. However, because my parents are old, their families are average, my children are studying, and my wife has no job, I have been in a car accident this year, and I have spent a lot of money. I really can't say anything. I hereby beg the leaders to take care of me and reduce some loan interest. The whole family will be grateful here!

salute!

applicant: XXX, January 1, 216.