College students owe a loan of 10,000 yuan, so they can contact their parents and repay the loan with their help. You can borrow money from relatives and friends and repay the loan; You can also pay off your debts by creating wealth. When necessary, college students can report online loans directly to the China Banking Insurance Regulatory Commission.
2065438+On June 28th, 2007, the former CBRC, the Ministry of Education and Ministry of Human Resources and Social Security jointly issued the Notice on Further Strengthening the Standardized Management of Campus Loans, prohibiting online lending platforms from lending to college students. Online lending platforms that lend to college students will be banned according to law, and the loans granted will not be protected by law.
The Notice on Further Strengthening the Standardized Management of Campus Loans shows that commercial banks and policy banks are encouraged to further develop products that meet the reasonable needs of college students and fill the shortcomings of insufficient coverage of financial services on campus and among college students.
Because college students' psychological quality is not strong, they can't cope with online loan collection. They should contact their parents in time and solve the problem through legal means. Don't hide from your parents, borrow money through multiple online lending platforms, and there may be super-profit loans.
College students should strengthen their self-control ability and rationally plan the use of funds. If they need funds, they can ask their parents for help or get funds.
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 are the consequences of student loans?
Legal subjectivity:
As a way for poor students to complete their studies, student loans are deeply loved by the majority of students. However, some students forget to repay or deliberately fail to repay after graduation, which will have serious consequences. What are the consequences of not paying back the student loan? In order to solve this problem, Bian Xiao compiled some related materials, and came with friends to find out whether the student loan can be repaid. Impossible, but you can pay it back in installments. The average bank will set a fixed number of years, such as five years after graduation. If you don't pay it back, it will have an impact on future employment and loans for buying a house and a car. It is natural to pay back debts ~ if you don't pay back within the specified time, you must pay off debts with equivalent. The only way is to declare bankruptcy. If the situation is really difficult, you should be able to explain the situation to the bank, issue a certificate and postpone the repayment. If the loan principal is not repaid on time as agreed in the loan contract, penalty interest will be charged according to the actual overdue amount and overdue days, and the penalty interest rate will be 130% of the normal loan interest rate. In accordance with the relevant provisions of the state, the Development Bank will take the following measures against borrowers who have repeatedly overdue and maliciously defaulted on loans: 1. Load the information of defaulting students and borrowers into the personal credit information system of China People's Bank. Once the bad credit record is loaded into the personal credit information system, it will directly restrict the application and use of almost all financial products related to financial institutions such as students and borrowers' personal credit cards, house purchases and car loans; 2. Load the information of the defaulting students into the graduate education inquiry system, and notify the defaulting students and the * * * employer with the borrower of the default. This has a great influence on the employment of students who violate the contract and take various social recruitment examinations. 3. Lenders who seriously breach the contract will also bear relevant legal responsibilities. Yes, the student loan information is networked with the credit information system of the People's Bank of China! The personal information and loan situation of the borrower and * * * and the borrower will be directly entered into the personal credit information system of the People's Bank of China. The personal credit record is the "credit file" of the borrower and * * * and the borrower, which comprehensively and objectively records the credit activities of the borrower and forms a personal credit report. Personal credit report is very important, which will have a great impact on personal loans to buy a house, apply for a credit card, buy insurance, work and enjoy government benefits. If your situation is complicated, this website also provides online consultation service for lawyers, and you are welcome to make legal consultation.
Legal objectivity:
If the borrower fails to repay the loan according to the time limit and amount agreed in the repayment agreement signed with the handling bank, his breach of contract will be recorded in the credit information system of financial institutions (if it is overdue for three months in a row, it will be recorded in the bad record of the personal credit information system of the bank), and the mortgage will not be approved. After submitting the application for student credit loan and related materials, if the county student financial assistance management center confirms that it meets the loan conditions, it shall sign a loan contract and improve the relevant procedures within the specified time. Attention should be paid to the following matters when signing the contract: 1 and * * * should be the borrower's parents. If both parents go out to work, parents can entrust their close relatives to be with the borrower * * *, but they need to issue a power of attorney (see the annex for a sample format, submit the original and a copy of 1 respectively, and parents of students should mail the power of attorney as soon as possible). 2. The borrower who fills in the application form and the borrower who signs the contract must be the same person. 3. The borrower and the borrower shall sign the loan contract at the same time. For college students who renew their contracts, if the borrower and the borrower cannot be present at the same time for some reason, one of them may entrust the other party to handle it on their behalf, but a power of attorney shall be submitted (see the annex for a sample format, with 65,438 originals and 0 copies). 4. To apply for contract renewal, the borrower in the application form must be the same as the borrower in the original contract. If the borrower changes, it is necessary to go through the new loan application procedures and submit the materials required for the new loan application. 5. Effective conditions of the loan contract. The signing of the loan contract can only take effect after the county rescue center receives the receipt of the loan contract of the student-origin credit student loan sent back by the university where the student is located. If the receipt is not received within one month after the contract is signed, the contract will automatically become invalid. The receipt must accurately fill in the name, line number and account number of the school bank. Go to the specific office and arrange someone to be in charge.
The introduction of college students' loan debt ends here.