I want to talk about my personal loan repayment experience, hoping to inspire you and help your husband avoid detours.
I borrowed about 200,000 yuan in online loans, only the principal, not the interest. Let me tell you this, all the online loans I borrowed are on the regular platform, but even so, every loan of 654.38+00000 yuan is repaid in 654.38+02 installments, and the interest or handling fee of nearly 654.38+0000 yuan is paid every year. The online loan of 200,000 yuan means the interest of 20,000 yuan a year, plus I have to pay back more than 6,543,800 yuan in loans every month, as well as my operating income. The principal and interest of the online loan are gone, because my business failed and I lost my business income, my job and my salary income. In order to repay the loan on time, I have to borrow from online lending platforms such as online merchant loan, flower shop, credit card and Zhaolian Good Loan. At that time, I hadn't thought about selling the house or borrowing money from relatives and friends to repay the loan.
In this way, I have been using several lending platforms to borrow and repay in turn, and it has always been the operation of "robbing Peter to pay Paul". During this period, I have been unemployed and naturally have no income. As a result, I repay more and more funds, and the frequency of repayment is becoming more and more frequent. Finally, I have to repay the loan almost every five days. Such frequent repayment of loans really makes me collapse. In this way, I don't remember how much money I paid back, let alone how much interest I paid back. All I know is that it must be a huge number. Because in the past few years when I borrowed money, my 654.38+million funds disappeared, and most of them were used to pay interest.
So in the end, I analyzed all the arrears, and I found that my interest payment had really cost tens of thousands. If this continues, I will go bankrupt, because the amount of online lending platform is not enough for me to borrow. So I sold my little house and paid off all the loans at one time. In this way, I struggled to climb out of the quagmire of online loans.
You don't have to pay back the online loan. I finally understand that every penny I earn is my own, and every penny before is not mine.
Now look at your husband's situation. He borrowed 60,000 online, which is not much to tell the truth, but the annual interest or handling fee should be around 6,000. If it is 12 installment repayment, it is about 5500 yuan per month with interest. If you both have jobs, then I suggest that you pay back according to such an established repayment period. As long as you don't borrow money from the online lending platform during this period, you can pay it off in one year.
If you and your husband don't have a job and have been living by borrowing money, of course, it is very serious. Within three years, your principal and interest will reach1200,000. So in this case, I suggest your husband seek relief from home, that is, borrow money from home to pay off the loan in one lump sum, and then find a way to pay back the money from home. At least your husband is not under pressure.
If you don't help at home, you can only go to the factory early and pay back the loan with your salary. Because the loan is not too much, as long as the job is guaranteed, it can be paid off in a year or two.
In short, try not to borrow online loans in the future. I've quit, and I'm really scared by online lending. Remember, while the amount of this online loan is small, try to pay it back as soon as possible. You can borrow money from relatives and friends, or you can work to repay the loan, depending on your own decision.
Hello, the online loan is 60 thousand, don't worry too much. Not much. It's easy to land.
First, clarify the debt and how much each platform owes. Do a good job of debt division and sort out how much each platform owes. Secondly, increase income, collect principal, and negotiate with Taiwan Province Peace Association to reduce one-time settlement and return the remaining principal. Now the online lending platforms of major financial institutions can negotiate to reduce or repay the principal.
In short, remember not to support loans with loans. That will only get deeper and deeper, do it and cherish it. Debt is not terrible, but I don't know how to solve gambling debts.
Promote positive energy, Lin Xiao has something to say!
I owe 60 thousand, not too much. If you work hard, you can go ashore in a year!
The first thing is to stop online lending, stop supporting loans with loans, and then plan your own goals, including making money, spending money, repaying loans, and facing up to your debts! It's okay for men to work hard, as long as they are willing to work hard, 60 thousand is not a lot, come on!
This question asks, how to get ashore? Of course, the best way is to pay back the money immediately, settle it, and you can go ashore.
But since you asked this question, you must have no money now. Otherwise, how could you go in without knowing that you have money? I'll help you think of some worst ways.
I didn't know you owed 60 thousand on the online loan Is it 60,000 for several platforms or 60,000 for one platform? Or will the interest you generate double after the deadline? Still owe the principal 60 thousand?
I will tell you what will happen after the deadline. The pressure you have to bear is to rush your hand. It's terrible. I call you every day to pay back the money, with a strong tone. As long as you answer the phone, I'll tell you that you must pay off the debt today, either by paying off part of it first or by borrowing money from you and friends and colleagues. You said you had no money and couldn't borrow it, and then they told you the law.
What people who owe money are most afraid of, in fact, there are only a few problems in their hearts, that is, they are afraid of breaking the address book, because breaking the address book may alarm your colleagues, friends and relatives and let them know that you owe money and don't pay others back. When they know, they will send a message to ask you, saying that you owe money on a certain platform and don't return it to others. They also find me here and say that they can't contact you and ask me for help.
There are also restrictions on travel. You can't take high-speed trains, planes, cannons, hotels, and other high expenses. Can't give children a high-grade education.
The biggest concern should be the issue of credit reporting, which is the biggest concern of the debtor. They often owe money, fearing that their credit information will be hacked and they will not be able to borrow money in the future.
What I want to say is that the so-called credit investigation, in fact, is nothing serious, that is, you care too much about this. How much money have you been cheated? You can't even pay the 60 thousand you owe now, and you're robbing Peter to pay Paul everywhere, but you can't make it up in the end.
Even tens of thousands of dollars can be overdue, don't think about credit reporting. Don't think about being afraid of credit, and you can't get a loan. Don't you think it's ridiculous that you can't afford tens of thousands of dollars? Still thinking about buying a house with a loan in the future?
In fact, the most important thing is that if you can't afford the money, don't answer any phone calls. You would rather be a selfish person than say another word about the collection. If you are urged to pay back the money, you don't, and everyone wastes time.
I also suffer from gambling. In the past two or three years, I have lost more than 20 pounds, but every time I bring harm to my family, I feel indebted. Every time I lost my money, I collapsed on the ground and began to think back. You can't win all the gambling, otherwise the banker's family will do nothing and you won't gamble. It is no problem to take children out to see the outside world. Seeing their smiles is the greatest happiness. So don't think about how to get ashore.
Let me give you an example around me.
My cousin got a good job after graduating from college, but later he didn't know whether it was because he owed money for online gambling or something, and no one asked him anyway. I have sent messages to several relatives to urge repayment, and I don't know why. When they asked him, they were also silent and depressed. The family didn't dare to force him, for fear that he would take things too hard, so they had to raise money to help him pay back.
When I came home for the Spring Festival that year, I found him listless and grumpy, and he didn't talk to us or go out to play. He is completely different from the happy one before.
Fortunately, he now realizes the seriousness of the matter and starts to work to make money.
I once asked him quietly why he owed so much money, and he said something: playing cards online.
Online lending is a bottomless pit. If you want to go ashore, you must have tenacious self-control. Don't touch that thing again. Borrow some money from friends and family first. Don't repay the loan, it will get deeper. Don't do anything stupid, it's extremely irresponsible. Be brave, relatives and friends will be willing to help you, and the most important thing is to help yourself. 60 thousand yuan online loan is easy to pay back. Come on!
First of all, you need to know how the owed online loan comes from. To solve the problem from the root, you must know why you owe money.
Only when the problem is solved, the debt of 60,000 yuan will be of great significance to today's society, and it is also the case that you two Qi Xin work together. A year's time is about to pass.
1. Stop applying for loans: Step one, everyone needs to establish their own concept of landing. You know, although you can get temporary peace by raising loans with loans, the personal debts that follow will roll up more and more, and finally it will be as unbearable as snowballing. Therefore, everyone must stop applying for loans, then confess to family and friends, and then ask for help. They are angry, but they won't leave you in the end.
2. Organize the details: At the same time, use a professional online loan big data platform to obtain detailed overdue reports, such as credit reporting. At present, the platform has established data cooperation with more than 98% online lending platforms on the market, and the results obtained are very accurate and specific. You can list all the online loans you owe at present, and give priority to those products with legal qualifications, credit information and large loan companies.
3. Negotiation and communication: After inquiring about overdue records through credit information, you can try to negotiate repayment, and you can focus on the interest issue with the small loan platform and the repayment period with the formal platform. Both parties will make a repayment plan with an annual interest rate not higher than 36%. In addition, if the other party has violent collection behaviors such as threats, intimidation, harassment, etc., it can collect evidence, complain, and report to relevant institutions to reasonably safeguard its legitimate rights and interests.
After graduating from college, I found a good job with a good income of 8000- 10000 yuan a month. But with a little capital, I wanted to make quick money by investing, so I came into contact with online gambling. I lost all my income, and now I still owe 90 thousand, 40 thousand friends and 50 thousand online credit cards. Now the income from this job is average, about 4 thousand a month. Facing 90 thousand debts is really a drop in the bucket and the pressure is very great.
Fortunately, I now realize the seriousness of the matter. I have tried to quit these online gambling and those bitcoin contracts and started to make money and repay them. I also realized that this salary was not enough to repay, so I began to be frugal in my life and dared not spend any money except for some necessary expenses such as meals and rent. After work, I have been trying to find some part-time jobs and channels to make money. Anyway, life is hard now, but I believe that if I pay a little more money every month, I will go ashore. If I choose to continue gambling, there will never be any hope of going ashore.
So online lending is a bottomless pit. If you want to go ashore, you must have tenacious self-control and a stable source of income. Don't rely on loans to support loans, live on loans, and don't touch online gambling and high-yield gambling investment, otherwise it will only get deeper and deeper. 60,000 yuan is not much. Online loans are basically 12 months, and the basic monthly repayment is about 5,000 yuan. So you have to ensure that you can have a source of income of 5000 yuan per month. It is easy to go ashore in one year.
If there is no source of income, or the source of income is relatively small, it is impossible to support monthly online loans. Then you can choose to confess to your parents, or borrow some money from relatives and friends to pay back the online loan first, and then pay it back when you work. Don't take it hard, it is extremely irresponsible to you and your family. Come on!
How does the husband's online loan owe 60,000 yuan?
I happen to be engaged in microfinance, P2P industry and consumer finance industry for more than 8 years. To tell the truth, the interest rates of these companies are basically very high, and the basic annual interest rate is above 20%, which ordinary people simply cannot afford. Short-term turnover is acceptable. Long-term dependence on online loans will inevitably drag down the economic situation of individuals or families. Online lending has harmed many families and young people. It is gratifying that in the past two years, the state has gradually eliminated these bad financial products, although it has brought considerable damage to some citizens. 60,000 online loans are not much to say, and they are not much to say. Suggestion:
1. What are the main reasons for the emergence of 60,000? If it is caused by the failure of the husband and wife to jointly run the business, it is understandable. If it is caused by the spouse's bad hobbies, such as online gambling, stock trading, futures, etc., it is necessary to be vigilant, discuss with her husband how to deal with it, quit bad hobbies, and carefully analyze the current situation of both parties, including work income, family economic expenditure, making family economic expenditure management plans, family financial management, etc.
Second, analyze the debt structure and find countermeasures. Debt structure refers to which companies owe money, analyze which institutions' online loans are legal and which are illegal lending institutions, give priority to repayment, and legal institutions try their best to repay on time. If the financial capacity is limited, it is suggested to negotiate with the institution to extend the installment repayment, and what ways can be used to borrow cheap funds instead. In addition, illegal institutions can consider not repaying the principal or negotiating to repay it.
Third, open source and reduce expenditure. Fundamentally speaking, it can only be saved by increasing revenue and reducing expenditure. I believe that if both husband and wife Qi Xin work together and are willing to endure hardships, it can still be solved after 1-2 years.