When you borrowed it, he had a lot of information about you. No, I'll get you into trouble again. It's best not to borrow it.
Second, can illegal campus loans not be repaid?
Legal analysis: illegal
Legal basis: the Supreme People's Court's provisions on the trial of private lending cases.
Article 26 If the interest rate agreed between the borrower and the borrower does not exceed the annual interest rate of 24%, and the lender requests the borrower to pay interest at the agreed interest rate, the people shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. If the borrower requests the lender to return the interest paid in excess of 36% per annum, the people shall support it.
3. Is it legal that the student loan is not paid off (China Bank) and the diploma and degree certificate are not issued?
Illegal. Pay off the student loan within two years, and the school must issue graduation certificates and degree certificates on time. You can talk to the principal's student affairs office.
The only difference is the repayment method, that is, when you apply for a loan, whether it is paid in installments or in one lump sum, different banks are different. The loan is guaranteed by the school to help you borrow, and you will not affect the credit of the school, but it is absolutely illegal for the school to detain the diploma. If you have any questions, you can ask them. hope this helps
4. Is campus loan illegal? Can you not return it?
It is legal for campus loans to be no higher than 24%; It must be returned. If the annual interest rate is higher than 24%, the part above 24% is protected by law, and the part above 24% is not protected by law and does not need to be repaid. As long as the interest on campus loans is not higher than 24%, as a borrower, we should negotiate with campus lenders as much as possible to stop. If the annual interest rate is higher than 24%, he can reduce the interest rate to below 24% through litigation. 1. What kind of punishment will be given to those who use illegal means to get rich by violence? If only people stand in front of the house, it generally does not constitute the crime of illegal detention. The crime of illegal detention refers to the criminal act of illegally depriving others of their personal freedom by detention, confinement or other compulsory means. If the front of the house is blocked, it cannot constitute a consequence of restricting personal freedom. If the perpetrator uses violence and other illegal means to collect money, the minor consequences may involve public security punishment, and the serious consequences may involve criminal punishment such as intentional injury or illegal detention. Second, how to prevent the risk of campus online loans? 1. Guide college students to establish correct values and rational consumption views. 2. Consciously one-sided pursuit of material enjoyment, ahead of consumption, excessive consumption. 3. Popularize financial knowledge education related to investment and consumption, and help students establish and cultivate awareness and ability to guard against "ultra vires" risks and identify various illegal loans. 4. Parents also need to communicate the economic situation with their children in time and guide them to spend reasonably. 3. At present, some campus online loan platforms may have the following problems: (1) Behind the low interest rate is actually the high service fee. A considerable number of online lending companies charge an "indicator fee" after the loan arrives, which is actually a service fee. For example, a loan of 10000 yuan may charge a service fee of 10%, but the lender actually gets only 9000 yuan. (B): In fact, there are some campus online loan agents. When introducing online loans to students, we always emphasize that they can be staged. Without any pressure, a college student revealed that an intermediary introduced him to an online loan, with a loan of 5,000 yuan, which was paid off in 12 months and only 55 1500 yuan every month. Sounds like a good deal. You can pay carefully. (c) The "guarantee fee" is withheld, and the loan can be released without any credit record until the principal and interest are paid off. It sounds like a loan platform is a bit like a big head, but it is not the case. They will tell the students in the contract that because they don't know the other party's credit history, they need to detain a part of the loan as a "guarantee fee", and after all the principal and interest are paid off, the detained money will be returned to you one by one. However, once overdue, this money-sharing platform does not need to pay again. But in the future, this part of the money will still have to pay huge overdue interest. Even if it is not overdue, the platform actually increases the loan interest invisibly. According to Article 25 of the Criminal Law of People's Republic of China (PRC), the concept of joint crime refers to a crime intentionally committed by two or more persons. Article 26 A principal offender is one who organizes and leads a criminal group to engage in criminal activities or plays a major role in joint crimes. A relatively fixed criminal organization formed by three or more people committing crimes together is a criminal group. The ringleaders who organize and lead a criminal group shall be punished according to all the crimes committed by the group. Principal offenders other than those specified in the third paragraph shall be punished according to all the crimes they participated in, organized or directed. Article 27 A person who plays a secondary or auxiliary role in a joint crime is an accessory. An accessory shall be given a lighter, mitigated or exempted punishment. Article 28 A person who is coerced to participate in a crime shall be given a mitigated punishment or exempted from punishment according to the circumstances of his crime.