1, resulting in overdue charges. When the user fails to repay the loan on time, the platform will charge overdue penalty interest from the overdue date. The daily interest rate of overdue penalty interest is usually 0.5 times of 65438+ contract interest rate. Users need to settle overdue debts as soon as possible.
2, leading to bad credit. Xiaoman Finance is a legally operated financial institution, which is fully connected with the credit information system of the People's Bank of China to ensure the accuracy and timeliness of data uploading. In order to maintain the healthy operation of the credit market, the platform will upload the user data to the credit database of the People's Bank of China every month as required.
3. Be collected. Xiaoman Finance will start collection measures immediately after the user is overdue. The collection team will communicate with users in time by telephone, SMS and other means to urge them to repay.
4. The use of incomplete influence. If Xiaoman Finance can't repay the loan on time, the platform will freeze its borrowing function first, so that users can't borrow again. After the user settles the overdue payment, the platform will evaluate whether to restore the loan function according to the severity of overdue.
5. Malicious overdue will be prosecuted by the platform. For those users who obviously have repayment ability but refuse to fulfill their repayment obligations, the platform will have zero tolerance and take legal measures to safeguard their rights and interests. Once the platform files a lawsuit against the user, the user needs to be prepared to respond to the lawsuit and repay the loan within the judgment date. If the user still fails to fulfill the repayment obligation, the platform can apply to the court for enforcement measures, including allocating, freezing or auctioning the property under the user name.
Can I take the initiative to negotiate after the deadline?
When Xiaoman Finance is overdue, the borrower can take the initiative to negotiate with the third party for collection, but pay attention to the following matters:
1. Participate in the third-party collection: after the financial overdue, we will entrust a third-party collection agency to collect money from the borrower. Therefore, if the borrower wants to negotiate, he needs to communicate with a third party for collection. The success of the negotiation mainly depends on the communication results between the two sides.
2. Keep a good attitude: In order for the third party to collect and agree to negotiate, the borrower should keep a good attitude in the communication process. Borrowers can explain their difficulties in overdue repayment, such as unemployment, illness and other force majeure factors that make it impossible to repay on time, and it is best to provide relevant certificates. At the same time, the borrower should also inform the other party of his income to show that he has the ability to repay. In the process of communication, it is best to leave evidence by audio or video recording.
3. Emergency repayment strategy: If negotiation fails, the borrower should raise repayment funds as soon as possible. You can ask your family or friends for help, or try to borrow money.