Recently, due to the impact of the epidemic, many people have failed to repay various loans in time. So, is there any good way to buffer this situation?

Repayments that cannot be repaid can be simply divided into two categories;

First, those who have cash on hand but cannot go out to the bank to save money. If the road is closed and you can't get out, you can call the bank's customer service number to negotiate, explain the reasons, and ask if the repayment can be postponed. It's not that you won't repay, it's just that you can't go out to save money now, so you can't repay. Now is a special period, and many banks have also taken corresponding measures to ease borrowers' repayment pressure.

Second, it is more troublesome to repay the loan if you have no money. Recently, I have seen that many people are worried that if they do not start work, the loan will be overdue. If the debt is known to the family, If so, you can first ask your relatives and friends if you can borrow some money for urgent needs, and pay them back to them after you go to work. Also, in this special period, many businesses choose to recruit part-time staff online, such as customer service in other places, design, For artists, etc., the monthly salary ranges from 2K to 8K. You can also make money while at home, just more or less.

The situations of having money to repay and having no money to repay are different, but both are problems that require money to solve.

Both of them can call the bank to negotiate a deferral of repayment. Whether or not the repayment can be postponed depends on the bank's decision.

I am just like you. I used to go to work and do some side work. Overdrafts on credit cards, bank mortgages, car loans, and Alipay Huabei were all enough to cover my living expenses. Although there was no surplus, I still had enough money every month. You can make regular repayments and avoid overdue payments. I started some business in the second half of 2019, but lost all my money and my life became even more difficult. I feel the same way about you. In the face of the current epidemic situation, I would like to give you some suggestions to make ends meet

1. You can use this time to fill in a few more credit card application forms and apply for credit cards to increase funds. If you don’t have the funds to pay off your credit card bills for the time being, you can pay off more credit cards, postpone the bills, and pay them back slowly when the funds turn over. If you don’t have the ability to pay off the bills for the time being, you can use credit card management software like me to avoid overdue payments and transfer the bills. Until next time, protect your credit.

2. Online loans must be repaid on time. This is related to valuable credit. If you have no money to repay temporarily and the amount is not very high, you can borrow it from friends around you for temporary turnover. You can also choose some relatively formal small loan companies with interest rates of no more than 2 cents. You can borrow a little short-term for turnover to avoid anti-aircraft guns.

Sufferings are temporary. Let’s think of more ways and slowly turn around. As long as we keep making money, we will be able to see the light of day. The epidemic will soon pass. Let’s work hard together

If you have any financial problems, you can send me a private message, I hope I can help you

During the epidemic, the country has successively introduced many policies to postpone repayment, but it cannot avoid many problems caused by online loans. What follows is all kinds of collections!

The best way to deal with debt collection is not to lose contact directly, because after losing contact, you can’t imagine how debt collection will come to you, not even the strangers you have a call record with. Let it go, and most online loans can be negotiated to repay the principal before filing a lawsuit. The platform easily refuses to sue. If you sue, it will be a waste of costs, and the money may not be recovered. But if I answer the phone, I will be upset and unable to work for another day. I will accept their threats and basically spend the whole day dealing with debt collection.

So the best way to deal with debt collection is to find someone to answer the debt collection call on your behalf, and use call forwarding to transfer the number to the recipient's mobile phone, and let them pretend to be you answering the call, while you are doing your best. Work to save money, make sure you don't borrow or repay it, save money, and pay it off after you have saved enough. Prioritize credit cards before online loans, prioritize small amounts before large amounts, and cancel them after the balance is settled.

No matter how much debt you have, you must have a peaceful mind and find ways to cut costs, increase income, and reduce expenses.

Slowly start saving money. In the final analysis, it is just a matter of not paying back the money. Even if it is a credit card, it will not be a big problem as long as the connection is not lost. You must be firm in your mind and rely on your own income to pay back the money.

As for receiving collection calls on behalf of others, this is a very reliable method. It has helped many people to pay off smaller credit cards. Large amounts are still being negotiated. Most online loans will be settled within half a year. The principal is required to be settled in full, but for a few, this is not possible, but there is a certain degree of exemption, which can also save a lot of money.

Some people are overdue for nearly a year, and they don’t even know that the person they are talking to on the phone every day is not them. Regardless of whether you answer the phone or not, whether you borrow or pay back, saving money is the only way to go ashore. During the epidemic, you can also inquire more about loan matters online! Watch your credit!

Due to the outbreak of the new coronavirus, it has recently been reported online that many banks have launched relevant support policies, allowing people affected by the epidemic to defer credit card repayments, especially for those in areas hardest hit by the epidemic who are temporarily unable to return to work. The company has also stopped paying wages. We can apply to the bank to delay credit card repayment. I tried calling Bank of Communications to verify. The customer service staff of Bank of Communications said: If the bank’s credit card users cannot repay as scheduled, they can choose the minimum repayment with interest. If you follow up, you can call to verify the exemption; if you cannot repay the minimum repayment, you can apply for a deferment of repayment, and the extension can be up to one month. Relevant reports can explain that many banks have made it clear that personal loans, credit card overdrafts, etc. that are overdue due to non-personal reasons affected by the epidemic will not be included in the list of defaulting customers, and no penalty interest will be calculated. For deferred credit card repayments, you must apply to the bank and provide corresponding supporting materials, such as valid proof that the company cannot start work. It does not apply to all customers. Some are targeted at frontline medical staff who are busy serving the people and patients with confirmed diseases. It also includes private enterprise customers whose income sources have been affected by the epidemic. The bank will provide certain assistance and understanding, but does not include old borrowers who take this opportunity to continue to delay their arrears. Therefore, the bank will respond to borrowers in a targeted manner. Strategized treatment, policy preference will be given to debtors seriously affected by the epidemic, and policies will not be relaxed for old debtors and those not affected by the epidemic. On the contrary, the new version of the credit report in 2020 will be online, and we must pay more attention to personal credit reports. Repay the loan on time, because you will have to pay it back sooner or later, so pay it back as early as possible if you can. If your credit is not good, it will harm your children's education, civil service examination, etc. If your credit report is not good, it will be difficult to move forward! Just do it and cherish it!

First find out whether the loan was deceived, and then worry about repaying the money.

If you are debt-collected, don’t be overwhelmed by the calls. Instead, face the problem squarely, respond proactively, and live a sunny life.

You can also try calling and asking about online loans, and understand the following questions. Don’t be afraid to pay back the money, but you must pay it back clearly and clearly.

Make phone calls, ask for files, ask for files, make phone calls...

After a while, you will find that you are almost always the one who calls, and most of the people answer the phone. It's them.

What is the name of the loan product?

What company is the loan financier?

Is there news about beheading?

What is the monthly loan interest rate? What is the annual interest rate?

In addition to loan interest, what are the other monthly expenses?

Which company charges these fees?

Does interest include additional fees such as service fees, guarantee fees, and insurance premiums?

What is the actual monthly interest and annualized interest when interest, additional fees, and insurance premiums are added together?

Are various contracts, authorizations, agreements and other signature documents signed on the mobile APP? Sign in store? Or did you sign on your phone and in the store separately?

Which company owns the property rights of the mobile APP?

What documents do you need to sign when taking out a loan? The other party is required to provide details of the signed documents and provide originals or copies (stamped).

Which of these documents are electronic contracts?

Have electronic signatures been authenticated on electronic contracts?

Which company is the electronic signature certification authority?

Where is the electronic signature certificate? If so, please provide it.

Have you signed an "Electronic Signature Service Contract" with an electronic signature certification agency?

For electronic contracts, you need to provide the original copy (PDF format file) provided by the lender to your email address in order to verify the electronic signature and electronic seal information built into the document.

Is there an insurance contract? (The application form and the insurance policy are two documents that together constitute the insurance contract, and both are indispensable)

Can the validity of the insurance contract be verified on the insurance company website?

Is the purchase of insurance compulsory or voluntary?

When applying for insurance, did any insurance company personnel introduce or explain the important contents of the insurance terms to you? If not, who introduced you to it?

If there is insurance, what role does insurance play in the loan?

If there is a guarantee, what role does the guarantee play in the loan?

If there is a counter-guarantee, what role does the counter-guarantee play in the loan?

Requirements:

1. Do things openly and aboveboard. When making a phone call, inform the other party in advance that you are going to record and collect evidence, and do a good job in organizing the records.

2. Speak calmly. The people who can answer your phone are ordinary people like you. Don't make things difficult for them, and be polite and courteous.

There is no way. Today I contacted the online merchant loan customer service, and they said that it would not work if there is no roll. They asked me to find a friend or family member to help with the transfer. If the transfer can be done, I will call you "Online Business Loan" What to do. I owe tens of millions of yuan and have paid off, but I still have 1,800 yuan left that I can't offer any accommodations on. It's overdue from today. I need to find a way to pay off these debts, and I won't get any more loans in the future.

You have the same problem as me. A few years ago, I borrowed online loans without telling my family about it. Later, it developed into a situation where I used loans to support the loans.

I was forced to go ashore some time ago and confessed the matter to my family. They were very disappointed with me but they still helped me pay off the online loan, my friend! You can't touch online loans. If you have fallen into the trap, you have to force yourself to get out. Don't take chances. You will never be able to pay back the loan if you use it to support the loan.

Come on! Let's fight together!

Take the initiative to contact the bank. Generally, the bank will let you repay the minimum amount without interest! You must make it clear. Originally, it was still impossible not to let you, and the mortgage loan can be postponed for one month. Now

During the epidemic, what major impact have you received? If you can provide some proof, such as being a COVID-19 patient, a front-line medical worker, or someone else who is forced to quarantine, bank loan interest and online loan repayments can be deferred.

However, no matter what the situation, banks and online loan companies will not exempt you from the repayment responsibility. You will eventually have to repay it yourself. However, during the epidemic, delayed repayment will not be recorded in the central bank’s credit system. That’s all.

The scope of this epidemic is relatively large, and many people may be affected to a greater or lesser extent, but those who are really affected are mainly those on the front line of the fight against the epidemic. For others, the impact is relatively small. Small.

As a result, some people may not be able to return to work as scheduled, their wages will drop, and some temporary workers may even temporarily lose their jobs, but these factors are not reasons to postpone repayment.

As an ordinary citizen, if you owe a bank mortgage or credit card, or even some people have borrowed money from online loans, and now have difficulty repaying, I don’t think the epidemic should be blamed. It should be more your own reasons.

As an adult, we must rely on our own labor to live. Borrowing money is equivalent to overdrafting future income and using economic leverage. If you don’t have some financial knowledge and blindly borrow money, even if you don’t When an epidemic occurs, your financial problems will be exposed sooner or later.

For example, a friend of mine earns about 6,000 yuan per month and lives a very good life. However, he is not satisfied with the status quo. In addition to overdrafting his credit card, he also borrowed a large number of consumer loans. In fact, all of this money was invested As for the stock market, as a result, I lost almost all my belongings during the stock market decline. This has nothing to do with this year's epidemic. The responsibility lies entirely with my lack of risk awareness. I always want to make big money, and I am still obsessed with it.

According to the situation you mentioned, since you have no money to repay the loan, what else can you do? You can only seize the time and go out to work, get rid of the bad habit of excessive consumption, and don’t think that the borrowed money is yours. In the future, you will not only have to repay the principal, but also a lot of interest, and your labor will become for others. How unworthy it is to work part-time.

Pies will not fall from the sky. You can only repay the debt you owe yourself. If your parents can help you repay it, then you have overdrawn their love for you.

Because they are frugal and frugal, but you have squandered it through online loans. Now if you don’t make up for it by making money through your own labor, what good ideas do you still have for others to give you? Do you think asking a question will get someone to pay you back?

In this era, most people have loans. Many people are burdened with home loans and car loans, and some people have various consumer loans and credit card purchases. For housing loans, it is actually not a big problem. Those who can apply for housing loans generally need to have a stable job, stable flow of cash, and the bank will evaluate their repayment ability. For people with regular jobs, the impact of these epidemics is actually very small. Although they are late to work, it does not affect their wages. At most, their wages are delayed.

It is more troublesome for those who do not have stable jobs, such as part-time workers. Only when they work do they get paid, but if they do not work, they do not get paid. Especially for those doing odd jobs, it is even more difficult. It is also difficult to run a small business. The small business itself is still done with loans. Once it stops, there will be no income, but the debts will not be reduced, and when the time comes, you will not be able to get the money.

Affected by the epidemic, I have no income and cannot pay back the interest and loans. What can I do? In fact, it is difficult for everyone. Who can think of a good solution? It is impossible for others to tell you that you can't pay it back and then give you money to pay it back. Too much talk is nonsense. You still have to pay back the money you owe. Some people say that due to the impact of the epidemic, there is no income, and the state should provide money and give each person a certain amount of subsidies. This is obviously overthinking.

If you can't pay back the money you owe, you have to find a way by yourself, either eat less and save some money, or find friends to help you get through the difficulty. If you are really affected by the epidemic and have lost your source of income, you can contact the bank to negotiate and postpone the repayment period. The China Banking and Insurance Regulatory Commission officially issued a document on the 26th of last month. If the bank does not agree to the extension, either If you find a way to pay it back on your own, it will either cause a substantial delay, or what else can you do?

Judging from the recent epidemic situation, it is getting better, and many companies have resumed work one after another. Jiangxi has canceled epidemic testing points at the entrances and exits of national highways, provincial highways, and expressways. It is expected that by March, 80 people nationwide will All enterprises can resume work in an orderly manner. Generally speaking, the income will only be affected for one month, and the loan cannot be repaid. Either we must try our best to solve this month first and resume production. If this is not possible, then It can only be overdue.