Now in the credit market, network loans have become very popular, robbing banks of a lot of business. Many people in the application for network loans, sometimes there will be overdue phenomenon, then the network loan overdue will not how?
1. Influence credit investigation
At present, many online credit loan platforms have established links with the central bank's credit reporting system, and some are even financial institutions approved by China Banking Regulatory Commission. Therefore, after these online loan platforms become overdue, it is very likely to leave a stain on the credit investigation of the central bank, thus affecting the future mortgage and car loan.
2. Huge overdue interest
Different from banks, online lending platforms charge much higher overdue interest than banks. Although the state has a regulation that the loan cost should not exceed 36%, the loan cost of 36% is too much for many people to bear. In the future, it will be more difficult to pay off the loan.
3. Frequent collection
Under normal circumstances, after the borrower is overdue, the online loan platform will immediately start collection. The common collection methods include calling the borrower, calling the borrower's relatives, and calling for help. These collection methods will bring great trouble to the borrower, and it is difficult to continue the peaceful life.
4. The defendant went to court
If the borrower is overdue for a long time, financial institutions are likely to take the lender to court. At that time, borrowers will face the risk of being included in the list of dishonest persons. Once "unfortunately" on the list, everyone's future life will be greatly restricted, and buying a car and a house will become a bubble.
5. Be listed in the network blacklist
After the network credit loan is overdue, the borrower is likely to be included in the blacklist of online credit. For a network black, want to apply for network loan again will become extremely difficult.