1. Discuss with the lending institution. When the borrower finds that his loan is still overdue or difficult to repay, he should first discuss with the lending institution to see if he can extend his repayment date and reduce his repayment pressure.
2. Borrow money for repayment temporarily. Loans from financial institutions, if users fail to pay, will easily lead to the stain of credit information, and will also generate higher penalty interest. Therefore, when users find it difficult to repay, they can temporarily borrow money to repay. However, this is not a long-term solution. Because both friends and family can only help you temporarily.
3. Try to make money. If you don't pay the arrears, it has a great relationship with your income. Therefore, users can find two jobs. Increase your own channels to make money. This can also help us solve the repayment problem.
note: 1. when users are in arrears, don't always pay them back. In this way, it will have a greater impact on personal credit, and if it is serious, it may be sued by the bank.
2. Don't have the bad habit of supporting loans with loans. After borrowing money, many borrowers encounter the situation that they can't pay back. So it will adopt the way of raising loans by loans. Obviously, this way will make the "hole" bigger and bigger. Therefore, users should not have the bad habit of raising loans with loans. What should I do if the online loan is overdue for the time being?
I. What should I do if the online loan is overdue?
1. The handling methods for the overdue online loan are as follows:
(1) The parties can apply for deferred repayment with the lending institution;
(2) If both parties cannot reach an agreement on the extension, the parties can solve it through mediation, arbitration, litigation and other channels;
(3) If the interest rate offered by the lending institution is four times higher than the quoted interest rate of the one-year loan market when the contract is established, the parties may apply for confirmation that the excess is invalid.
2. Legal basis: Article 188 of the Civil Code of the People's Republic of China
The limitation period for requesting protection of civil rights from the people's court is three years. Where there are other provisions in the law, such provisions shall prevail.
the limitation of action shall be counted from the day when the obligee knows or should know that the right has been damaged by hail and the obligor. Where there are other provisions in the law, such provisions shall prevail. However, if more than 2 years have passed since the right was damaged, the people's court will not protect it. Under special circumstances, the people's court may decide to extend it on the basis of the application of the person whose right is closed.
Article 67 of Volume 6
A loan contract is a contract in which the borrower borrows money from the lender, returns the loan at maturity and pays interest. The bank loan can't be repaid. What should I do?
Coordinate Guiyang, Honeycomb Loan to answer:
The loan owed to the bank can't be repaid: you can negotiate with creditors to extend the repayment period, or reduce your pressure by installment.
if you have your own creditor's rights, you can repay your debts by transferring your creditor's rights; Or repay the principal and interest by mortgage.
Come on, work hard, raise money and repay as soon as possible, increase revenue and reduce expenditure, and don't support loans with loans. What should I do if I can't afford the online loan? The best solution is to
apply for installment or extension to show my good willingness to repay, and apply for installment or extension to the lending institution, which is also negotiable compared with the risk of not paying you back at all. If you really can't pay it back, you can ask your relatives and friends for help. After all, this kind of thing is not a joke. If a friend can help you, it can still help you solve the temporary difficulties.
if the online loan is still not available, it will be dealt with in three steps.
the first step is to stop all loans to support loans and seek the understanding and help of family members. First of all, don't use loans to support loans, which will only make more and more online loans, and all platforms will be overdue. Confess to your family and strive for their understanding and help.
the second step is to respond rationally in the face of profiteering. Send a statement in advance in the circle of friends, explain to everyone that you are suffering from profiteering collection, apologize for the situation that everyone may be harassed, and suggest that you cooperate to hang up these ridiculous calls, leave new ones for everyone, and reduce the use of old phone numbers.
the third step is to understand your own dishonesty and work hard to repay the loan. Inquire about your own credit through the credit information center, and know which online loans have entered the credit information system and which ones have not, so as to repay the loans in order of priority. More importantly, find a job and work hard to make money, negotiate with banks or lending institutions, and extend the repayment period or return it in installments.