1. Under what circumstances can an overdue loan be issued? Not all cases of overdue loans can be issued, and lending institutions will not forgive all overdue loans. Only in some special circumstances can an overdue certificate be issued. Overdue certificate. The circumstances under which a malicious overdue certificate can be issued are as follows: 1. The business is handled by a third party, but the third party fails to repay the loan on time as stipulated in the contract, resulting in overdue payment. 2. The loan was taken out by an impostor, but the real lender failed to repay the loan on time, causing the loan to be overdue. 3. The unit fails to pay the provident fund in time, causing the personal provident fund loan to fail to be deducted in time and become overdue. 4. Overdue due to changing the borrower and notifying the repayment date. 5. There is no overdue credit card or credit card that is not activated but has annual fees.
2. How to issue a statement of overdue loans. First, the applicant must find the lending institution whose loan is overdue, submit a statement of overdue loans, and state in the statement that the overdue loan is not malicious and hopes to be forgiven. The template for explaining the overdue situation of the loan is as follows: I (), ID number (), I applied for a loan of () at () bank on () month () of () year, with a period of (), but due to () I could not make it on time The repayment was overdue for () days, and then all the arrears and interest were paid off on () year () month (). Through this loan, I understand the importance of credit record, and I know that the impact on my credit cannot be made up. I promise to pay off the next loan on time and maintain a good credit record. Sincerely! Borrower: Year Month Day The overdue statement of the loan must be stamped by the lending institution to be effective, and it is invalid if issued by an individual.
Reminder: If the loan is overdue, you can also issue a non-malicious overdue certificate, but it is understood that most lending institutions are unwilling to issue a "non-malicious overdue certificate" and generally only provide a "no debt certificate" Or a description of the loan's overdue status, so friends who want to issue a certificate should understand the situation of the lending institution in advance. If necessary, it can be resolved through court arbitration.