银行信用贷款逾期有哪些后果?可能严重到承受不来!

作者: 发布时间:2017-12-09 17:19:57  来源: [手机访问]
导读: 银行信用贷款,顾名思义就是用信用作为抵押获得贷款。很多人觉得,我没有什么东西放在银行那,也没有什么可威胁到我的,是不是逾期了也拿我没办法?其实,当然不

银行信用贷款,顾名思义就是用信用作为抵押获得贷款。很多人觉得,我没有什么东西放在银行那,也没有什么可威胁到我的,是不是逾期了也拿我没办法?其实,当然不是这样的,都这样干的话,银行早就不会有信用贷款了。那么,银行信用贷款逾期有哪些后果?

银行信用贷款逾期有哪些后果?可能严重到承受不来!

1、产生高额罚息

一旦信用贷款逾期,银行首先采取的措施就是罚息。各家银行的政策不尽相同,在罚息力度上各不一致,具体在贷款合同上有载明。如花旗银行,会在原利率的基础上,加收50%的罚息,还有可能会产生违约金、滞纳金等,算起来,怎么都不是一笔划算的账。

2、产生不良记录

申请贷款时,你是凭借自己的信用来获得贷款的。一旦产生逾期,你的个人征信报告上就添加了一笔“污点”,对于以后再想办理信用贷款,可就没那么容易了。逾期情节严重点的,今后的房贷、车贷都是会受限制的。相对罚息来讲,不良记录的影响是金钱都无法弥补的。

3、生活工作受阻

很多人觉得,一点点的逾期记录没什么关系,后面还上就没事了,其实不然。到你真正要用到的时候,不良的信用记录会让你的生活处处受阻,无法办理信用卡、买房买车需全款,甚至找到一份好工作也可能因这个被拒之门外。

4、受到法律制裁

若逾期情节严重,超过三个月,贷款银行会依法催收到期贷款,按照借款合同的约定,向法院起诉,一旦法院认定为故意逾期的贷款,将会对你的资产实施冻结,强制实行还清银行贷款所有费用。

想了解更多相关内容,请关注99贷贷款平台,详细了解。

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