Friends who know a little about corporate loans know that corporate loans are mainly used for large long-term investments such as fixed assets construction and technological transformation. Whether it is a loan or a credit card, it is best to repay it two days before the repayment date. So, what will be the consequences of enterprise loans overdue?

1, which affects credit reporting and produces bad records. Loans overdue will inevitably affect the applicant's credit information, which is expected to produce bad records. Bad records will affect future loan and credit card processing. As long as you leave a bad record, you will keep it for three to five years. If you want to borrow from other banks in the future, you may not be able to apply easily because of bad credit.

2. Generate penalty interest. Once the applicant enterprise is overdue, the lender will increase the interest according to the loan amount and the overdue time of the applicant enterprise, usually 50%. As long as the interest is overdue, the daily penalty interest will rise. Different lending institutions have different penalty interests. If you want to know, you can consult a lending institution.

3. Be sanctioned. If the enterprise is overdue for more than a certain period of time, it will receive a lawyer's letter from the bank; If the enterprise fails to pay for more than 3 months, those with serious circumstances will be punished by law. Legal sanctions include freezing deposits in all bank accounts of lenders and loan guarantors, and sealing up pledged property.

Enterprises in loans overdue will not be able to enjoy preferential loans.

What will happen to post-loans overdue enterprises?

There must be something wrong with the flow of corporate funds in loans overdue. If it is overdue for a short time, it will have little impact. It is best not to exceed three months overdue, because a long overdue time will have an impact on corporate credit reporting and corporate credit reporting. In the later stage, if enterprises have financing needs again, it will be difficult to raise funds.

Does the company loans overdue have any influence on legal persons?

When a company applies for enterprise loans, it not only has certain requirements for the company's operating conditions, but also needs to inquire about the credit information of the company as a legal person. If the company goes to loans overdue, it will naturally have an impact on the legal person. So what's the impact? If you don't know, come here to have a look and learn about the influence of corporate loans overdue on legal persons.

1, really insolvent. The person in charge of the company should negotiate with the lending institution to extend the repayment time or repay by installments to reduce the negative impact.

2. If the lender wins the case. If the judgment is not fulfilled within the performance period, the company will be forced to repay the loan.

3. When accepting enforcement. Property, vehicles, securities and deposits under the lender's name will be inquired according to law.

4. Effective judgment that the lender refuses to perform because there is no executable property under its name. Personal credit report records negative information such as overdue repayment, which is restricted to high consumption and entry and exit, and may even be punished by judicial custody.

The above are the consequences brought by the enterprise loans overdue to the loan applicant. I hope this answer will help.

What will happen if an enterprise owes a bank loan?

Consequences of inability to repay corporate loans: 1. If it is really unable to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments. 2. If the lender fails to perform the judgment within the performance period after winning the case, it will apply for enforcement. 3. When compulsory execution is accepted, the lender's property, vehicles, securities and deposits will be inquired according to law. 4. If the lender has no property to enforce, refuses to perform the effective judgment, overdue repayment and other negative information will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody.

Legal basis:

Article 83 of the Civil Law of People's Republic of China (PRC) stipulates that the investor of a profit-making legal person shall not abuse the rights of the investor to harm the interests of the legal person or other investors. Whoever abuses the rights of the investor and causes losses to legal persons or other investors shall bear civil liability according to law. The investor of a profit-making legal person shall not abuse the independent status of the legal person and the limited liability of the investor to harm the interests of the creditors of the legal person. Whoever abuses the independent status of a legal person and the limited liability of the investor, evades debts, and seriously damages the interests of the creditors of the legal person, shall be jointly and severally liable for the debts of the legal person.