With the online lending industry becoming more and more standardized, many informal online lending outlets have closed down for various reasons. For those who have not settled the debt, whether to continue to repay has become the focus of attention. So, does the net loan fail? Here, let's talk about the correct way to deal with it.
At present, there will be two situations after the collapse of the online lending outlets. One is that the online lending outlets can not be contacted, and the other is that the online lending outlets are still in contact with the debtors. There are different ways to deal with different situations.
The network loan mouth has been unable to contact
If you can't get in touch with your online loan, and you have no way to repay it, you can only stop paying it for the time being. In the future, if the online loan mouth gets in touch with you and asks you to repay the loan, then the reasonable principal and interest within the loan period will still have to be returned. After all, we have a lending relationship with online loan outlets, and reasonable and legal loan principal and interest are protected by law.
Online loan outlets still keep in touch with debtors
If the online loan mouth is still in contact with the debtor, then everyone can continue to repay the debt in accordance with the requirements of the contract. However, I would like to remind you that the loan principal and interest within 24% of the annual interest rate are repayable, and interest over 24% is not repayable.
Special reminder
If the network loan mouth contact with you for debt, you must first determine the identity of the other party, do not blindly according to the other party's request repayment, in order to prevent being cheated. For the sake of safety, Xiaobian suggests that we should suit each other's identity through public security organs.