1 thought on “What will happen online if you don't”
Eric
The consequences of non -repayment of online loans are as follows: 1. High penalties and liquidated damages High penalties is that the lender does not return the amount prescribed by the loan on time within the specified period of time to calculate the relevant high high If the amount of overdue is overdue, the longer the overdue time is extended, the higher the stipulated interest, but no matter how high it is, it cannot exceed the legal scope of my country's law. Loans will not also ask the lender to pay the corresponding liquidated damages. Therefore, it is best to develop good repayment habits to avoid more problems in the later period. 2. Credit damage If the loan is not repaid, it will also affect its credit. Nowadays, many banks and online loan companies have adopted a sharing system. Then it is possible that other online loan companies or banks will know the situation where you owe loans or not. If you want to apply for a loan again in the later period, it will be difficult to even loan. Because your credit reporting has been damaged. 3. Harmony by various means If the loan is not repaid, it may be collected by a online loan company, and the 24 -hour uninterrupted send a text message to the loan or the loan of the lender, calling for collection The way is a lighter behavior. Some online loan companies will use the collection of collective bags to professional companies that specialize in ledger. These professional account personnel have changed a lot, and sometimes the "violent collection" behavior because of the collection of the company's "violent collection" will also lead broken. 4. The plot will seriously lead to jail If the owner of the arrears resolutely refuses to implement the repayment obligation, to be old, and the circumstances will be very bad. Article 108 of the People's Republic of China Civil Law: Debt should be settled. If it is temporarily unable to repay it, the creditor's consent or the people's court will be repaid by the debtor. Those who have the ability to repay refuse to repay shall be forced to repay by the people's court. [Extended information] The introduction of online loan: The essence of Internet finance still belongs to finance, and does not change the characteristics of concealment, infectiousness, extensiveness and suddenness of financial risks. Strengthening Internet financial supervision is the inherent requirements to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderate and loose regulatory policy to leave room for Internet finance innovation. By encouraging innovation and strengthening supervision to support each other, promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "supervision, moderate supervision, classification supervision, collaborative supervision, and innovative supervision", scientifically and reasonably define the business boundary and access conditions of each format, implement supervision responsibilities, clarify the bottom line of risk, protect legal operations, resolute Campaign illegal and illegal acts. The online lending includes individual online lending (ie, P2P online lending) and online small loans. Individual network lending refers to direct lending realized by individuals and individuals through the Internet platform. The direct lending behavior that occurred on the individual online lending platform belongs to the category of civil loan. It is subject to laws and regulations such as contract law and civil law, as well as relevant judicial interpretation specifications of the Supreme People's Court. Online microfinance refers to a small loan provided by the Internet to customers through the small loan company controlled by Internet companies through its control. Online micro -loan shall comply with the regulations of existing small loan companies, give full play to the advantages of online loans, and strive to reduce customer financing costs. The online lending business is supervised by the CBRC. The online loan platform supervision, from the most 5 or six thousand houses to the end of June, only 29 are operating. The special rectification work may basically end at the end of the year and transfer to conventional supervision.
The consequences of non -repayment of online loans are as follows:
1. High penalties and liquidated damages
High penalties is that the lender does not return the amount prescribed by the loan on time within the specified period of time to calculate the relevant high high If the amount of overdue is overdue, the longer the overdue time is extended, the higher the stipulated interest, but no matter how high it is, it cannot exceed the legal scope of my country's law. Loans will not also ask the lender to pay the corresponding liquidated damages. Therefore, it is best to develop good repayment habits to avoid more problems in the later period.
2. Credit damage
If the loan is not repaid, it will also affect its credit. Nowadays, many banks and online loan companies have adopted a sharing system. Then it is possible that other online loan companies or banks will know the situation where you owe loans or not. If you want to apply for a loan again in the later period, it will be difficult to even loan. Because your credit reporting has been damaged.
3. Harmony by various means
If the loan is not repaid, it may be collected by a online loan company, and the 24 -hour uninterrupted send a text message to the loan or the loan of the lender, calling for collection The way is a lighter behavior. Some online loan companies will use the collection of collective bags to professional companies that specialize in ledger. These professional account personnel have changed a lot, and sometimes the "violent collection" behavior because of the collection of the company's "violent collection" will also lead broken.
4. The plot will seriously lead to jail
If the owner of the arrears resolutely refuses to implement the repayment obligation, to be old, and the circumstances will be very bad. Article 108 of the People's Republic of China Civil Law: Debt should be settled. If it is temporarily unable to repay it, the creditor's consent or the people's court will be repaid by the debtor. Those who have the ability to repay refuse to repay shall be forced to repay by the people's court.
[Extended information]
The introduction of online loan:
The essence of Internet finance still belongs to finance, and does not change the characteristics of concealment, infectiousness, extensiveness and suddenness of financial risks. Strengthening Internet financial supervision is the inherent requirements to promote the healthy development of Internet finance. At the same time, Internet finance is a new thing and a new format. It is necessary to formulate a moderate and loose regulatory policy to leave room for Internet finance innovation. By encouraging innovation and strengthening supervision to support each other, promote the healthy development of Internet finance and better serve the real economy. Internet financial supervision should follow the principles of "supervision, moderate supervision, classification supervision, collaborative supervision, and innovative supervision", scientifically and reasonably define the business boundary and access conditions of each format, implement supervision responsibilities, clarify the bottom line of risk, protect legal operations, resolute Campaign illegal and illegal acts.
The online lending includes individual online lending (ie, P2P online lending) and online small loans. Individual network lending refers to direct lending realized by individuals and individuals through the Internet platform. The direct lending behavior that occurred on the individual online lending platform belongs to the category of civil loan. It is subject to laws and regulations such as contract law and civil law, as well as relevant judicial interpretation specifications of the Supreme People's Court. Online microfinance refers to a small loan provided by the Internet to customers through the small loan company controlled by Internet companies through its control. Online micro -loan shall comply with the regulations of existing small loan companies, give full play to the advantages of online loans, and strive to reduce customer financing costs. The online lending business is supervised by the CBRC.
The online loan platform supervision, from the most 5 or six thousand houses to the end of June, only 29 are operating. The special rectification work may basically end at the end of the year and transfer to conventional supervision.