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Let me tell you what to do if the bank loan is overdue?

 As we all know, the loan has to be paid back after all. If the repayment is not made on time, it may not only cause higher and higher interest, but also affect personal credit investigation, and even be listed in the "list of persons subjected to execution for breach of credit". Many friends may feel that they have not been overdue, but in fact, in our daily life, we often fail to pay attention to the situation of overdue loans. Of course, some friends do not pay attention to their repayment ability when they buy a house, and the repayment pressure is too high every month, which leads to the failure to pay off the loan. Today, we will take you to talk about the overdue loan What will happen and how to avoid it.

Easy response to "negligence" overdue


It is believed that many lenders are negligent rather than intentional. This kind of overdue is the easiest to solve.


First of all, the lender should pay the principal and interest of the debt as soon as it finds out that it has "forgotten" the repayment. And call the bank, indicating the reasons for overdue, it is better to be able to explain that overdue is not their own reason. For example, some overdue credit cards may be due to the failure of the credit card to activate and generate annual fees, which are caused by a third party. Then let the bank issue a non malicious overdue certificate. With this certificate, the application for loan and bidding will not be affected.


In addition, some banks have a buffer time called "time tolerance" for overdue payments, that is, to give you a grace period for "making mistakes". Generally speaking, most banks take 1-3 natural days, but some banks don't give you this time automatically and need the lender to call for application.


Therefore, the most important thing for the lender to avoid credit investigation is to pay back the money as soon as possible.

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