What about Sunshine Insurance loans overdue?

The specific solution of Sunshine loans overdue is:

1. Call the customer service in time to explain the situation, indicating that it is not malicious arrears, and immediately pay off the owed loan and overdue interest. After paying off the loan, notify the customer service.

2. If the lender is short of funds, he can raise funds from relatives and friends around him and write an IOU if necessary.

It should be noted that if the borrower defaults on the loan for a long time, once he enters the collection procedure, his life will be affected to some extent. If necessary, the platform will collect the arrears through civil proceedings. At the same time, overdue records will also be uploaded to the central bank's credit information system.

Sunshine insurance company can negotiate to handle the loan if it is unable to repay it. Sunshine insurance company can't repay the loan. You can apply for deferred repayment. A good attitude means that you just can't repay in a short time, so you can apply to the bank for deferred repayment.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 673

If the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 674

The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.

Article 676

If the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations.