According to Article 22 of the General Principles of Loans, the borrower shall use the loan in accordance with the loan contract and repay the principal and interest of the loan in full on schedule. If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest according to the relevant provisions of the People's Bank of China. Secondly, as far as this issue is concerned, the court should judge the parties to repay within a time limit after examination. If the parties refuse to carry out the judgment of the court, then the court can take corresponding measures. According to the provisions of Article 111th of the Civil Procedure Law, the people's court may impose a fine or detain a litigant participant or any other person for any of the following acts according to the seriousness of the case; If the case constitutes a crime, criminal responsibility shall be investigated according to law: (6) refusing to perform the legally effective judgment or ruling of the people's court.
There is a loan in the rural credit cooperative. If the interest is discounted on the 20th of each month, the interest will be deducted automatically on the 20th of each month.
Pay interest on a monthly basis, and repay the principal at maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;
Equal principal and interest repayment method: that is, the sum of loan principal and interest is repaid in equal amount every month. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
Extended data:
Bank loan interest rates are all calculated by computers based on personal credit information, income, work and other information. In other cases, you can only keep your credit information and try to repay your credit card on time to avoid overdue.
Although the central bank has introduced the benchmark interest rate, the interest rates of all banks will rise above the benchmark interest rate, and the specific floating situation is different from bank to bank. Therefore, in order to get the lowest bank loan interest rate, we must "shop around" and then choose the bank with the lowest interest rate.
After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge, mortgage, guarantee or credit line of the borrower. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.