Doesn't mean you don't have to pay back. You should pay back the money.
Some people may find it contradictory, so let me tell you.
Many people not only owe money to banks, such as car loans, mortgages and credit cards, but also owe online loans.
Online lending belongs to private lending, with and without credit information.
There is no need to say anything without going to the credit bureau. These are basically illegal. Of course, it doesn't mean that your company is big, and the loan will definitely be reported.
There is a saying in the online loan circle that you don't have to pay back without credit.
In fact, it is not absolute. Some big companies don't report all their loans to the credit bureau. Of course, everyone can imagine the fishy inside.
Because the country had a policy to give an appropriate repayment extension before, it is true that every bank is doing it. All you have to do is apply. Whether you are in the key area or not, my four credit cards have been extended for 30 days.
Regarding online lending, I believe many people have an understanding of the reputation of online lending. It has nothing to do with collection and outsourcing.
So, they openly said there was a policy, but he didn't give it to you. Do you have any idea?
During the epidemic, I saw a news. In other words, the micro-loan network only pays the customer's principal and stops paying interest. According to them, because of the epidemic, many people delayed repayment, so they could not receive interest.
I'll just look at this trick of deceiving consumers. I've never seen them give you interest-free installments.
Online lending companies are different from banks, because online lending, to put it bluntly, belongs to private lending, and most of them are based on contracts. Even if the lawsuit is filed, in fact, it is difficult for many ordinary people to win.
I dialed 3 15 and 12378. I don't need to talk nonsense about this. I once asked the online loan company what to do if the fees are high.
12378 said it was not their responsibility, and 3 15 said it was a voluntary act, which was beyond their control. If the handling fee is too high, they can't borrow it at all.
I really had nothing to say, so I hung up.
I wanted to call the police, but I thought about it.
A friend of mine called the police in front of me and said to wait a few days. As a result, because of the epidemic, he didn't even call and no one answered.
If there is no one, I don't believe it.
All these have taught me a good lesson and finally understand that people really have to rely on themselves. No one can be trusted, and the vulnerable groups are not out of thin air.
During the epidemic period, credit information will not be affected, and bank loans can be postponed. As for online lending, to put it bluntly, it depends on luck. If you are lucky, you won't be collected. Bad luck, you can imagine.
Anyway, it is estimated that many people around me will not receive credit. There are not many overdue credit cards, because they are all repaid by UnionPay's repayment software. It's basically not overdue, just a handling fee!
During the epidemic period, if the loan is postponed, it will generally affect the personal credit information, unless the group in loans overdue is the frontline personnel involved in the prevention and control work, and the patients infected with the epidemic are hospitalized for isolation treatment. This group of overdue records can be omitted, and those that have been submitted can also be explained to the bank in time to delete overdue records.
1. Will the epidemic in loans overdue affect personal credit reporting?
The epidemic situation in loans overdue generally affects personal credit reporting. The correct way is to apply to the bank for loan extension first, explain your actual situation, because the epidemic can't work, so you can't repay the loan, and then provide relevant certificates. Under normal circumstances, people with good credit can apply for an extension, but it does not rule out that people with poor credit fail to apply for an extension.
According to the Notice on Further Strengthening Financial Support for novel coronavirus's Prevention and Control Work, during the epidemic prevention and control period, if the hospitalized or isolated personnel infected with new pneumonia, the isolated observers needed for epidemic prevention and control, or the staff involved in epidemic prevention and control fail to repay in time due to the impact of the epidemic, they can propose to the bank. After confirmation, relevant overdue loans and arrears can be submitted, and there is no overdue record, and those that have been submitted can be adjusted.
If the personal credit information is overdue due to the reasons stipulated in the policy, you can raise objections to the credit information, and you can delete or adjust the credit information you have received.
2. What obligations does the debtor have in case of force majeure?
According to Article 1 18 of the Contract Law, one party cannot perform the contract due to force majeure.
1. The other party shall be informed in time to reduce possible losses to the other party, and proof shall be provided within a reasonable time. The debtor's obligation of notification and proof can let the creditor know the occurrence of force majeure and its influence on the performance of the contract, thus reducing the losses that may be caused to the creditor;
2. At the same time, the creditor can take countermeasures (whether to recognize the reasons for the debtor's exemption from force majeure, and make corresponding proofs and countermeasures). "Notice" and "proof" are incidental obligations of the debtor based on the principle of good faith, and the debtor must fulfill this obligation, otherwise it will bear corresponding responsibilities.
Third, affected by the epidemic, can enterprises delay the payment of wages?
Therefore, epidemic situation, extended holidays and delayed resumption of work are objective conditions that enterprises cannot foresee, and enterprises that delay resumption of work can pay wages on the latest working day after resumption of work. At the same time, enterprises should pay attention to inform employees of the delay in payment.
(1) The employer is unable to pay wages on time due to natural disasters, wars and other force majeure reasons;
(two) the employer may suspend the payment of wages to workers after obtaining the consent of the trade union because of the difficulties in production and operation and the impact of capital turnover. The longest extension period can be determined by the labor administrative departments of provinces, autonomous regions and municipalities directly under the Central Government according to local conditions. In other cases, wage arrears are unreasonable. Therefore, if the enterprise has difficulties in production and operation due to the epidemic and its capital turnover is affected, it can postpone the payment of wages after fulfilling the corresponding procedures.
As can be seen from the above, during the epidemic, loans overdue did not affect personal credit reporting, but only targeted at special groups. For some groups who lost their economic income due to the epidemic, they should have taken the initiative to apply to the bank for deferred repayment. Those who neglect their own loans and fail to communicate with banks in time during the epidemic period shall bear the consequences of overdue repayment.
During the epidemic period, due to the temporary suspension of work, many people have no income for a long time, which leads to the inability to make ends meet, especially those who have credit liabilities under their personal names.
This problem is also reflected in the following categories of people.
The root of these people's problems is debt management, which is reflected in credit cards. In fact, credit cards do solve the problem of capital flow for many business people. After all, credit cards have a recycling function. As long as it is used normally and repaid on time, it can basically be said to be a fireball of funds with relatively low cost. But the biggest problem is that once the capital flow breaks, if even the minimum repayment amount cannot be solved, it is overdue, and the consequences of overdue credit cards are very serious. High penalty interest and late payment fees will be included in personal credit information.
It should be said that people who do business are the hardest hit areas affected by this credit investigation.
This kind of person has also suffered a lot. During the epidemic, due to long-term shutdown, the company's business was suspended, which led to financial problems and even bankruptcy of many companies. Therefore, many companies began to adopt economic layoffs, pay cuts, pay late and pay less. Originally, many people were under great economic pressure during the Spring Festival. Therefore, this situation is even worse. Therefore, it is nature that created the individual loans overdue.
Generally speaking, white-collar workers and gold collars who normally work in the company are relatively less affected.
I talked with a friend who works in a bank the other day. As far as the current situation is concerned, although some relevant departments have suggested that banks can flexibly handle personal credit repayment during the epidemic. However, because it is not mandatory, the bank has not issued an express provision. Of course, for many small and medium-sized enterprises, such as increasing credit funds and delaying the collection of loan interest principal, it is a compulsory measure issued by the state to let enterprises start work as soon as possible, and banks are also implementing it as usual, but personal credit repayment is still normal.
According to the analysis of a friend of mine who works in a bank, if the epidemic ends, the overdue credit information will be more serious. Then the bank may introduce some flexible measures, such as requiring customers with overdue credit information to issue some written certificates to prove that their overdue is caused by poor harvest during the epidemic, such as requiring units to issue certificates. Of course, these measures do not apply to many freelancers. You can also refer to the previous repayment situation for special treatment.
Of course, if it is really a personal credit problem caused by the epidemic, you don't have to bear too much mental burden for it. To tell the truth, the credit investigation is just a credit evidence, which is convenient for your credit behavior with the bank. If the credit problem is caused by non-subjective factors, such as malicious overdraft and malicious breach of contract, then it is nothing more than worry. If you find it annoying for the bank to collect calls, you can also answer the phone less to ensure that you don't lose contact. Of course, after the epidemic, if there is income, it will be repaid in time. It should be remembered that occasional overdue credit reports have no influence on the overall credit evaluation of individuals. Generally, overdue credit reports have no reference value after 3-5 years, and short-term small overdue is almost negligible.
The sudden epidemic caught us off guard and didn't make relevant preparations. Many people have no savings and no source of income to repay credit cards, loans and bank loans, which will affect their credit information. How many people are affected by the epidemic? Without accurate data, this is definitely much more affected than normal.
As we all know, credit reports are extremely important to us, especially when we apply for loans from financial institutions. Credit investigation is an element that must be considered, and it is also the most important element. If our credit information is not good, the loan application will be rejected, there will be bad credit information, and it will be eliminated after 5 years.
So be sure to find a way to make your credit information not bad.
If we are unable to repay all the debts of financial institutions, we must first communicate with financial institutions to see if we can repay the minimum repayment amount to avoid credit reporting. Credit cards, for example, will not be credited after we have paid the minimum repayment.
The central bank, the China Banking Regulatory Commission and other ministries and commissions have issued documents to support lenders to apply to banks for deferred repayment of loans due to the epidemic, and banks must agree.
Therefore, we communicated with the bank and provided relevant certificates to prove that we were unable to repay the loan due to the epidemic, including several categories of people, namely, the confirmed epidemic and their families; The second category is suspected epidemic personnel and their families; The third category is the medical staff of the epidemic; The fourth category is epidemic workers. There are others.
Recently, I often see people on the Internet who can't stand it when they stop paying wages in January, and send various screenshots of WeChat or Alipay.
This is the epidemic, let's see who is swimming naked ~
Back to the topic, this epidemic will not affect many people's credit information!
The only ones that matter are those who are usually heavily in debt! This year's epidemic should have been consumed, saving a lot of money!
It is convenient to borrow money now. It's impossible to have no money because I haven't been to work for a month ~
Generally speaking, this epidemic will not affect the credit information of many people, which is estimated to be very few!
This epidemic may affect at least many people's credit information. Because there is no data to prove it now, we can only guess who will be affected. But in fact, this is not the most important, because there may be short-term effects, which can be corrected after the income is restored.
However, some online lending platforms have recently registered personal credit information, which may be a place to pay attention to in the future.
Now the pilot has agreed to some online lending platforms, and some overdue information of long-term unpaid loans will be logged into the People's Bank of China for credit investigation. The purpose of the central bank's move is to make everyone pay attention to personal credit and performance. The starting point is very well-intentioned, but the credit department has not reviewed the authenticity, validity and standardization of the loan contract. With the data provided by the online loan platform, I agree to log in. This future may cause many adverse effects.
Some online lending platforms are suspected of violating regulations. First, they package themselves as a legal and compliant platform. The slogan of external publicity is, if they are not legal and compliant, how can they enter overdue information into the central bank's credit information center? The second point is to use this as a tool for crazy collection, because it is registered on the online loan platform. If you cancel or modify the record in the future, you must go to the platform to handle it. Then it covers up the fact of illegal lending in the past, and the borrower must return it according to his calculation method and method.
In this epidemic, because the regulatory authorities clearly wrote that mortgage loans and credit cards can be extended. But it does not include other kinds of loans for the time being. Most banks only open applications for these two types of loans, but for other types of loans such as car loans and consumer loans, they may still be required to return them on time. This may be the reason why the new credit record is overdue.
At the same time, even if the mortgage and credit card can be extended, the specific people involved and the extension period are also stipulated by the bank itself. Different banks have different standards and strengths, which may make many people not enjoy this kind of deferred treatment, or they can only enjoy it for less than one month. If it is not extended after the expiration, and the income has not caught up, it is still overdue. This is the second most important source of overdue credit information.
Now the state is encouraging a comprehensive return to work and rework, and the economic situation of many overdue borrowers will be effectively improved in the next month or two. Will the regulatory authorities issue a special policy in the future, so long as it is truthfully returned in the next few months, all the overdue records of credit arrears in these two months can be erased? Personally, it is worth considering, which will help everyone develop the habit of attaching importance to credit.
To sum up, if we can strictly control and monitor the credit information obtained by some online lending companies, we can protect the legitimate rights and interests of both parties. At that time, the central bank implemented the credit information system, in fact, the core was not to punish borrowers, but to make them pay attention to credit, perform their duties effectively and perform their duties according to law.
Let's better establish a credit information system together.
It's time to sell the iron in the pot. I'll try my best to raise money so that I won't be overdue. If you can't do it, pay the minimum repayment amount. If you can't even pay the minimum repayment, then reflect on how you pushed yourself to this point. After the epidemic, I believe everyone will work harder. Of course, there are many people who can't even afford the minimum repayment, and you have to think about whether you can really afford it without the epidemic. Rome was not built in a day
Because there is no income, car loans, mortgages, credit cards, online loans and so on. Everyone needs money to pay back, just like the tap is turned off. In this case, 80% of people in the workplace will face the problem of credit reporting.
Many people will be overdue! Move in, of course! Learn to let go. Today's form is like this! Because of the epidemic, office workers can only pay their debts with their wages, but according to the development of today's society! After 90 s and 00 s, almost all of them are moonlight families! No savings, no financial planning, and 70% of people will be overdrawn tomorrow. I am sure that if the epidemic continues to spread, there will be no sideline maintenance! These 70% people will use online loans and credit cards to pay off old debts! By May, the number of overdue people will increase to at least 50 million. When the epidemic is completely over, the central bank will formally provide financing for enterprises. Credit information will be upgraded again. The complaint rate of financial companies will increase to at least 80 million. The financial industry will reshuffle! !