What are the consequences of borrowing online loans?

1. What will happen if online loans have no money? Let's take a look at what will happen if we don't owe online loans: 1. Loans that do not pay penalty interest and liquidated damages will first encounter high penalty interest. On the basis of penalty interest, some financial institutions need you to pay liquidated damages. These expenses add up to an expensive expense. If you don't want to get stuck in the loan quagmire, you must develop good repayment habits. 2. Credit damage If you borrow from the online lending platform and fail to pay it back within the time limit, the credit report will be tainted. It will be even more difficult to apply for credit cards and loans in the future. Because of petty profits, it is not worth the loss to miss your credit wealth. Some people say that the loan I took from the online loan will not be included in the central bank's credit information. Needless to say, online loans and central banks are now more interconnected. Even in the online lending circle, there is an exclusive "blacklist" system. If one family doesn't pay back, it will be difficult to approve other loans. 3. Collect in various ways. Both banks and online loans have their own collection systems. Novices will send you text messages and call for money. In some serious cases, there will even be collectors harassing you around the clock, which will seriously interfere with your work and life. The average person can't stand this kind of "spiritual oppression". If you are sued, your assets may be confiscated. Maybe you have a strong "anti-pressure" ability and think that the consequences mentioned above are all Mao Mao rain, then financial institutions will not be polite to you, so they will take out the secret weapon of "court" and arm themselves with the law. Once the court makes a verdict, even if you are reluctant, you must execute the "repayment ruling". Otherwise, the court will seal up the property under your name according to law and repay the arrears with the proceeds from the auction. 5. If the circumstances are serious, you will go to jail. Generally speaking, such incidents as non-repayment of loans are civil disputes and will not rise to the criminal level. However, if the borrower refuses to implement it, it will be considered as a deadbeat and would rather run away than pay back the money. If the circumstances are very bad, the court will also investigate the criminal responsibility of the borrower, and if it is too serious, it will go to jail. It can be seen that online loans can still be filed. Second, the sentencing standard for online loan fraud is fixed-term imprisonment of not more than five years and criminal detention. Loan fraud 1 10,000 yuan and less than10.4 million yuan, the benchmark punishment is criminal detention; 1.4 million yuan, and the benchmark punishment is six months' imprisonment; For every additional 600 yuan, the sentence will be increased by one month. Be sentenced to fixed-term imprisonment of not less than five years but not more than ten years (1) If the amount of loan fraud is more than 40,000 yuan but less than 50,000 yuan, it shall be deemed as "other serious circumstances" under any of the following circumstances. If the loan fraud is 40,000 yuan, the benchmark punishment is five years in prison; For every 800 yuan increase, the sentence will be increased by one month; For each increase, the term of imprisonment is increased by six months: (1) bribing the staff of a bank or financial institution for the purpose of defrauding loans, and the amount is relatively large; (two) squandering loans or using loans for illegal activities, resulting in loans that cannot be repaid at maturity; (three) concealing the whereabouts of the loan and refusing to repay it after the expiration of the loan period; (four) to apply for a loan by providing false guarantee, and refuse to repay it after the expiration of the loan period; 5. Apply for a loan in the name of another person and refuse to repay it after the loan term expires. (two) loan fraud of more than 50 thousand yuan, the benchmark punishment is five years in prison; For every additional 3 500 yuan, the sentence will be increased by one month; Every time one of the circumstances specified in the first paragraph is added, the sentence is increased by six months. /kloc-fixed-term imprisonment of more than 0/0 years (1) loan fraud is more than 654.38+0.6 million yuan but less than 200,000 yuan. In any of the following circumstances, it shall be deemed as "other particularly serious circumstances". If the loan fraud is 6.5438+0.6 million yuan, the benchmark punishment is fixed-term imprisonment 10 year; For every additional 4,000 yuan, the sentence will be increased by one month; For each increase, the sentence will be increased by one year: (1) bribing the staff of a bank or financial institution for the purpose of defrauding loans, and the amount is huge; (2) absconding with money; (three) the use of loans for criminal activities. (2) If the loan fraud is more than 200,000 yuan, the benchmark punishment shall be fixed-term imprisonment 10 year; For every increase of 6,543,800 yuan, the sentence will be increased by one month; For each case listed in the preceding paragraph, the term of imprisonment will be increased by one year.

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