The latest national policy on non-repayment of p2p money: Laolai’s only housing can be auctioned by the court, and Laolai’s virtual account can be seized and frozen by the court: Alipay, mobile payment, WeChat payment and other online virtual transaction accounts Funds also fall within the scope of property of the person subject to execution that can be enforced by the court. The court can freeze or deduct Lao Lai’s property online.

First, the "new regulations" will be introduced in 2021, and these 7 types of debt no longer need to be repaid! Nowadays, many people have the habit of excessive consumption, and borrowing money is much easier than before. For example, in addition to credit cards, there are also Internet financial platforms, such as Ant Huabei, JD Baitiao, etc. Generally speaking, if you borrow money, you must pay it back. There is also a folk proverb that it is natural to pay back debts. If you have no record of dishonesty and have a stable job, it is easy to get hundreds of thousands of loans from various channels. It seems easy to borrow money now, but it is difficult to get debtors to pay back the money. As of now, the number of debtors in our country is as high as 15.9 million, which has increased 180 times in just 5 years. Now many lending platforms are trying to expand their customer base , have greatly lowered the threshold. Now many platforms have lowered their quotas, some to more than 2,000 yuan. Even if you are a "novice" group, you can easily borrow several thousand yuan from the platform.

Second, in addition to legal platforms, there are also illegal ones in the small loan market, such as loan sharks, naked loans, etc. There are also many cases of being defrauded when borrowing money, many of which deserve our vigilance. Many people think that they must pay back the money they owe, but starting from January 1, 2021, the Civil Code stipulates that there are 7 types of debts that do not need to be repaid, so borrowers should pay attention.

Third, the first type of debt is a debt owed by both husband and wife. According to the provisions of the Civil Code, only if the husband and wife have the same signature, or the two parties have the same subsequent ratification of the debt, and one party is a family member. The debts borrowed for life are the only debts, and the rest do not count. In daily life, one spouse may owe a huge debt, but the other spouse is unaware of it, causing the creditor to come to the house to collect the debt. In this case, the other spouse does not need to bear responsibility, and the creditor can only find the borrower to ask for debts. debt.

The second type of debt is debt after the three-year statute of limitations. It is stipulated in the Civil Code that under normal circumstances, the validity period of applying for civil protection rights to the People's Court is three years. If the creditor is within 3 years, If you do not file a lawsuit with the court within 2 years, you will lose the right to win the lawsuit, and the court will no longer protect you. In other words, if the debtor is unwilling to repay the loan, the creditor cannot file a lawsuit to get his money back after the expiration date of the court action.

The third type of debt is loan sharking. As we all know, loan sharking is not protected by law. In fact, loan sharking is the most popular way of private lending. Many people have urgent funds when running a business or starting a business. At this time, private lending is often used. However, loan sharking is illegal and not protected by law. According to previous regulations, the judicial protection lines for private lending are 24% and 36%. Less than 24% of the loan must be repaid; if the annual interest rate exceeds 36%, it is classified as loan sharking. The scope of the loan is not protected by law. This type of loan cannot be repaid. Even if a lawsuit is filed in court, the court will not support it. However, in July this year, the Supreme Law adjusted the "relevant regulations" and no longer adopted the 24% or 36% protection line, but adjusted it to 4 times the one-year LPR. Take the 2020 LPR interest rate as an example. , the interest rate of approximately 15.4% will be protected by law, and if it exceeds the interest rate, it will no longer be protected by law.