What should college students do if they fail to repay their online loans within the time limit?

1. What should I do if I fail to repay the loan within the time limit? 1, and bear high overdue fees. For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time should never be overdue. 2, undertake the platform fancy collection. The platform pushes your arrears information to your relatives and friends, making you lose face in the circle of friends; The platform arranges special collection personnel to collect money at home and communicate face to face to collect accounts. Of course, these are still relatively mild. Some platforms outsource collection, and special collection companies collect them. The collection company "violent collection" that broke out some time ago believes that borrowers are not willing to encounter it. 3. Facing the crisis of national trust. Now online lending platforms have established a blacklist system, and blacklist platforms have begun to communicate with each other. Borrowing on one platform is overdue, and it is very difficult to borrow on other platforms. 4. The credit information of China People's Bank is tainted. At present, most online lending platforms have not been connected to PBOC's credit information system, but it has become an inevitable trend to connect to PBOC's credit information system. In the future, if the online loan platform fails to pay back, it will be recorded in the credit information system of the People's Bank of China, just like bank loans and credit cards that are overdue, causing credit stains. The defendant went to court. After the loan is overdue for a long time or deliberately not repaid, the amount exceeds 2000, which can already constitute a crime and is in danger of being sued by the online lending platform. Once the online lending platform wins the case, the borrower not only has to pay the money that needs to be repaid, but also pays the litigation costs and huge fines of both parties, and even faces jail time. Second, what should I pay attention to when applying for a credit loan? 1. Applying for personal micro-credit loans, whether it is bank lending or financial institution lending, requires the borrower to have repayment ability. In other words, those who claim that they can lend you money unconditionally must not be trusted. Many people ask if they can get a loan with their ID card. An ID card is a document to prove one's identity, but not one's credit status. Therefore, any formal lending institution will not pass the loan review only by its ID card. As the saying goes, it is not difficult to borrow again if you have borrowed and paid back. No matter whether you borrow money from a bank or a financial institution, you must ensure that you repay it on time, so that the other party will recognize your credit when you need a loan next time. To sum up, many college students like to borrow money through online platforms when buying valuables such as mobile phones, and now there are many online lending platforms. When the loan starts, the platform will specify the repayment date. If it is overdue, the borrower will bear a relatively high penalty interest, calculated according to the number of days. In addition, if the overdue amount is large for a long time, the online lending platform may also pay the borrower.

What should college students do if their online loans are overdue?

1, penalty interest and liquidated damages.

If the online loan is overdue, the first thing you encounter is the penalty interest. On the basis of penalty interest, some financial institutions also need you to pay liquidated damages. These expenses add up, but they are not a small expense. If you don't want to get stuck in the loan quagmire, you should develop good repayment habits.

2. Credit damage

If you borrow money from the platform and fail to pay it back within the time limit, your credit report will be tainted, and it will be more difficult to apply for credit cards and loans in the future. Because of petty profits, it is not worth the loss to miss your credit wealth. Some people say that the loan I took from the online loan will not be included in the central bank's credit information. Needless to say, online loans and central banks are now more interconnected. Even in the online lending circle, there is an exclusive "blacklist" system. If one family doesn't pay back, it will be difficult to approve other loans.

3. Collect in various ways.

Both banks and online loans have their own collection systems. Novices will text you and call you for money. In some serious cases, there will even be a collection staff pressing you around the clock, seriously disrupting your work and life. The average person can't stand this kind of "spiritual oppression".

4. Existence, assets may be seized.

Maybe you have a strong ability to resist pressure and think that all the consequences mentioned above are Mao Mao rain, and financial institutions will not be polite to you, so you can only take out secret weapons and arm yourself with laws.

If the circumstances are serious, you will go to jail.

Generally speaking, such incidents as borrowing money and not paying it back are civil and will not rise to the criminal level. However, if the borrower refuses to implement it, it will be considered as a deadbeat and would rather run away than pay back the money. If the circumstances are very bad, the borrower will be investigated for criminal responsibility, and if it is too serious, it will go to jail.

It can be seen that if you encounter overdue online loans, you don't have to worry, as long as you repay them in time. I hope everyone can take this as a warning. If you do online lending again, you must consider your repayment ability and avoid the overdue online lending in the future. You must pay attention to the trap of online lending!

What should college students do if they are unable to repay their loans?

For many friends who can't repay their loans, especially college students who haven't entered the society, it must be because of the difficulties at that time. For some reasons, the loan can't be repaid on time. If you encounter this problem, the treatment method is as follows:

1, ask relatives and friends for help.

If it's really urgent, you can find relatives and friends to repay the money, and then return the money to them when the capital turnover is good. However, if the amount is relatively large, it is estimated that borrowing from relatives and friends will not make up the gap. But generally speaking, the amount of installment payment will not be too large, so this method is generally acceptable.

2. Apply for an extension.

If the personal loan cannot be repaid, you must first communicate with the bank's credit manager and explain the reasons. We must be sincere, so the credit manager may give us some time. However, this is not a long-term solution. If the loan cannot be repaid at maturity, it will be regarded as a breach of contract and the credit record will be defiled. However, according to the regulations of the bank, as long as the overdue period is not more than three months within two years and the accumulated overdue period is not more than six times, it will not have a negative impact on the loan. So hurry up and apply for an extension. As long as the applicant has a good repayment record and sufficient reasons, he can apply to the bank for an extension. But some banks are not allowed, so you should consult the bank in advance.

3. Use credit card to repay the loan skillfully.

Generally speaking, it is enough to repay the loan in installments with credit card money. If the borrower can't make it, he can borrow a credit card to repay the loan.

4. Make money to repay the loan.

You can use your vacation or rest time to work and study, find a job and earn some money to repay the loan.

It is particularly important to note that the loan must be returned in time, otherwise there will be dunning fees and personal credit information will be affected. It is not conducive to loans to buy a house and a car in the future. Also stay away from "fruit loans" and "routine loans".

What if college students can't afford to borrow online loans?

Legal subjectivity:

Whether college students should not ask for repayment through legal channels and whether it will constitute a crime needs to be discussed according to specific circumstances. Any act that endangers national security, social stability and economic order will constitute a crime as long as it meets the filing standards stipulated by relevant laws of our country. Criminal crime is different from civil crime. Once confirmed as a criminal, he will be subject to criminal punishment according to law. 1, the object is a complex object that violates the financial management order and the ownership of public and private property, and the former is the main object. 2. Objectively, it is manifested as: using fictional things or concealing the truth, disrupting the financial management order and defrauding public and private property, and it is a large amount of behavior. 3. The subject is a general subject, which can be composed of both units and natural persons. However, the following three crimes cannot be constituted by units: loan crime, credit card crime and securities crime. 4. Subjectively, it is intentional and has the purpose of illegally occupying public and private property. This is also an important basis for this kind of crime to be different from the crime of undermining financial management order. The charges of such crimes all stipulate property punishment, that is, a single fine or a fine; If it is forcibly expropriated, it will be sentenced to confiscation of property. Crimes of fund-raising, bills, financial vouchers and letters of credit can be sentenced. There are five kinds of crimes that a unit can constitute the subject of crime: fund-raising crime, bill crime, financial voucher crime, letter of credit crime and insurance crime.

Legal objectivity:

Article 120 of the Civil Procedure Law of People's Republic of China (PRC) shall be submitted to the people, and copies shall be submitted according to the number of defendants. If it is really difficult to write a written statement, you can make an oral statement, and the people will record it in the transcript and inform the other party. Article 122 of the Civil Procedure Law of People's Republic of China (PRC) * * * Where mediation is applied to civil affairs, mediation shall be conducted first, unless the parties refuse to mediate. Article 214 of the Civil Procedure Law of People's Republic of China (PRC), if a creditor requests the debtor to pay money or negotiable securities, it may apply to the grassroots people's court with jurisdiction for a payment order if the following conditions are met: (1) The creditor and the debtor have no other debts; (2) Payment orders can be served on the debtor. The application shall specify the amount of money or securities required and the facts and evidence on which it is based.

What should college students do if they can't afford online loans?

Hello, if college students don't repay their loans on time, they will be blacklisted by lending institutions seriously, resulting in a bad credit record, which will affect their future credit card or loan application. It will affect your credit value, and there will be relevant records that will affect your personal reputation.

Therefore, after a certain loan, you must repay it on time. If you have temporary financial difficulties, you can apply to the bank for an extension. To a certain extent, banks will also allow extensions. If you can't repay the loan on time due to family difficulties, you can apply to the agency for assistance and provide relevant written proof. After verification by the institution, the rescue mechanism can be started to compensate the principal and interest.

What should college students do if they can't afford campus loans?

First, bear high overdue fees. For overdue fees, different online lending platforms have different names and different charging standards. Whether it is called overdue penalty interest, overdue management or other various names, the charging standard is very high. It is not uncommon for college students to borrow thousands of dollars from the campus loan platform and not pay back tens of thousands of dollars for several months. Therefore, those who have the ability to repay on time should never be overdue. Of course, those who don't care about "that little money" can feel at ease. Second, undertake the fancy collection of the platform. The collection is generally divided into three stages: the first stage, just a few days after the overdue, the platform customer service MM will gently remind you that it is overdue, please repay it on time; In the second stage, if it is overdue for a long time, the platform customer service will seriously warn that the threat of overdue will face serious consequences; In the third stage, it was overdue for a long time, and the platform stopped trying to convince the other party and began to take practical actions. There are many practical actions, such as: the platform pushes your arrears information to your relatives and friends, which makes you lose face in the circle of friends; The platform arranges special collection personnel to collect money at home and communicate face to face to collect accounts. Of course, these are still relatively mild. Some platforms outsource collection, and special collection companies collect them. The collection company "violent collection" that broke out some time ago believes that borrowers are not willing to encounter it. Third, facing the crisis of national trust. Now online lending platforms have established a blacklist system, and blacklist platforms have begun to communicate with each other. Borrowing on one platform is overdue, and it is very difficult to borrow on other platforms. In addition, online lending platforms will publicize blacklists through their own online channels such as WeChat and Weibo, and even on the big screens of railway stations and airports. Let the people all over the country know that these "old lai" borrow money and don't pay it back! Of course, ordinary borrowers will not go so far except those who owe money maliciously. Fourth, the People's Bank of China is tainted. At present, most online lending platforms have not been connected to PBOC's credit information system, but it has become an inevitable trend to connect to PBOC's credit information system. In the future, if the online lending platform fails to repay the loan within the time limit, it will be recorded in the credit information system of the People's Bank of China, just like bank loans and credit cards that are overdue, causing credit stains. If the previous consequence is only losing face, then the stain of credit information will affect real life, and there is no way to borrow money if you want to buy a house, no way to mortgage if you want to buy a car, and so on. The defendant went to court. After the loan is overdue for a long time or deliberately not repaid, the amount exceeds 2000, which can already constitute a crime and is in danger of being sued by the online lending platform. Once the online lending platform wins the case, the borrower not only has to pay the money that needs to be repaid, but also pays the litigation costs and huge fines of both parties, and even faces jail time.