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</div> </div> </div> </div> <div class="container"> <div class=" row"> <div class="col-md-17 bb" style="margin-top:20px;"> <div class="work-details-content" > <div class=" "> <div class=""> <div class="work-show-box" style="margin-top:0px; padding:10px"> <div class="wangEditor-container" style="border:none;"> <div class="wangEditor-txt" style="padding:0px;"> <p style="text-align: center;"><img src="http://www.hongjibp.com/data/upload/img/19354239701.jpg" title="网贷逾期会变成呆账吗" alt="网贷逾期会变成呆账吗"/></p>1、逾期贷款：贷款本息拖欠超过180天以上的为逾期； 2、呆滞贷款：贷款利息拖欠逾期三年为呆滞贷款； 3、呆账贷款：贷款人走死逃亡或经国务院批准的为呆账贷款。 呆账的核销要经财政当局批准，呆账核销即视为放弃债权，仅需提取普通呆账准备金(还不到贷款总量的1%)。 存在以下五种情况的信用记录将被认定为不良信用记录： （1）单笔贷款近24个月内有1次(含)以上连续逾期达3期记录; （2）单笔准贷记卡近24个月内存在透支180以上未还记录或状态为“呆账”或“冻结”的; （3）单笔贷记卡近24个月内有一次(含)以上连续逾期达3期记录或状态为“呆账”或“冻结”的; （4）贷记卡近12个月内超过6次(含)未还最低还款额; （5）贷款存在“担保人代还”或“以资抵债”等特殊交易的记录。 <h2><a href="https://www.hongjibp.com/laws-1150339.html" title="360有人加我说我网贷逾期呆账(网贷逾期会变成呆账吗)">360有人加我说我网贷逾期呆账(网贷逾期会变成呆账吗) </a></h2> <p style="color:#666;font-size:14px;margin-top:13px;">应该是假的。上门收款不允许电话收款。唯一正常的筹款方式是打电话。如果遇到上门催收的方式，一定要小心，要问清楚有没有工作证。如果不是360员工，可以直接报警骚扰诈骗。1。这种发短信，打电话说什么时间上门，一般都是假的。是催收平台的一种说辞，主要是给催收人施压。毕竟相比电话催收，上门催收的实施难度其实更大，尤其是不同地区，所以这种催收方式并不多见。而且现在还有收集方式和行为的限制。以前上门的情况很多，现在减少了很多。但是，这并不意味着用户可以不还。用户仍然需要为自己的债务负责。否则电话催收还会继续，......</p> <h2><a href="https://www.hongjibp.com/laws-952286.html" title="欠网贷变成呆账了(网贷变成呆账的后果)">欠网贷变成呆账了(网贷变成呆账的后果) </a></h2> <p style="color:#666;font-size:14px;margin-top:13px;">首先逾期的话会根据时间长短对您的征信有影响严重逾期（超过90天）征信就是黑户，在逾期还清前是无法再申请任何贷款业务的，其次逾期会产生违约金，逾期利息等额外费用，长期逾期最后利息大于本金的事情也不是什么新鲜事，还请谨慎对待。 ...</p> <h2><a href="https://www.hongjibp.com/laws-1686718.html" title="网贷逾期还有利息吗-网贷逾期还有利息吗">网贷逾期还有利息吗-网贷逾期还有利息吗 </a></h2> <p style="color:#666;font-size:14px;margin-top:13px;">网贷逾期突然不涨利息了并不是什么好事，一般要么是变成呆账，要么是被核销了。然而不管是哪种情况，都会在征信的特殊交易记录上用红字标注。网贷逾期突然不涨利息了怎么回事？例如信用卡贷款，大家应该都知道信用卡逾期是会产生违约金和罚息的，并且会以复利计息，直到还清为止。可是也有朋友信用卡逾期突然不涨利息了，实际上逾期突然不涨利息了并不是什么好事，说明信用卡逾期的后果上升到比较严重的地步了，要么是变成呆账，要么是被核销了。1、变成呆账：很多银行会对超过180天以上，持卡人确实没有能力还款的债务做呆账处理。因......</p> <p style="text-align: center;"><img src="https://img.hongjibp.com/updata/images/网贷逾期会变成呆账吗网贷呆账不还有什么后果.jpg" title="网贷逾期会变成呆账吗(网贷呆账不还有什么后果)" alt="网贷逾期会变成呆账吗(网贷呆账不还有什么后果)"></p> </div> </div> </div> </div> </div> </div> <hr> <div class="new-answer bb"> <h3 class="title"> 相关知识 </h3> <div class="inf-list"> <ul class="clearfix"> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-1139149.html" title="网贷逾期被起诉还有利息吗 网贷逾期有被起诉的吗">网贷逾期被起诉还有利息吗 网贷逾期有被起诉的吗</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-06-05 19:01</span> <p class="xgzsms">年化超过24部分不认可 网贷 小贷一般高违约金和滞纳金网贷逾期为啥不涨利息了？网贷逾期突然不涨利息了并不是什么好事，一般要么是变成呆账，要么是被核销了。然而不管是哪种情况，都会在征信的特殊交易记录上用红字标注。网贷逾期突然不涨利息了怎么回事...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-2100297.html" title="网贷说你逾期后成呆账之后会怎样-网贷逾期变成呆账了怎么解决">网贷说你逾期后成呆账之后会怎样-网贷逾期变成呆账了怎么解决</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2023-09-28 17:33</span> <p class="xgzsms">随着金融行业的快速发展，网贷平台逐渐成为人们借款的首选。网贷作为一种新型的借贷方式，为人们提供了便捷快速的借款途径。然而，网贷行业也面临着一些问题，其中之一就是逾期问题。网贷逾期会产生一定的逾期费用，甚至可能导致呆账。那么，网贷逾期后成呆账...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-1766311.html" title="网贷变成呆账会起诉吗-网贷变成呆账会起诉吗怎么办">网贷变成呆账会起诉吗-网贷变成呆账会起诉吗怎么办</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2023-06-06 12:33</span> <p class="xgzsms">会追缴的，不过谁也不知道银行什么时候追缴，等你某天安定了说不定银行又来讨债了欠银行贷200万变成呆账银行会怎么处理设置黑名单，法院起诉，</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-1692340.html" title="网贷变呆账会起诉吗(网贷变成呆账还会有催收吗)">网贷变呆账会起诉吗(网贷变成呆账还会有催收吗)</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2023-03-29 19:35</span> <p class="xgzsms">对，哥们，别等他们起诉，赶紧还，不然你信用受损，在银行有不良记录，五年后就消除了。有大神给解释一下给银行背呆账有什么可怕后果吗1.这种行为已经构成犯罪。负刑事责任。所以第一个影响就是你可能会坐牢。所以如果事情没水落石出，谁也不知道。一般情况...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-314185.html" title="网贷逾期会形成呆账吗(网贷呆账不还有什么后果)">网贷逾期会形成呆账吗(网贷呆账不还有什么后果)</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-04-20 22:49</span> <p class="xgzsms">您好，首先逾期的话会根据时间长短对您的征信有影响严重逾期（超过90天）征信就是黑户，在逾期还清前是无法再申请任何贷款业务的，其次逾期会产生违约金，逾期利息等额外费用，长期逾期最后利息大于本金的事情也不是什么新鲜事，还请谨慎对待。以上回答由融...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-1327454.html" title="逾期呆账是不是只还本金（信用卡逾期没利息了就是呆账）">逾期呆账是不是只还本金（信用卡逾期没利息了就是呆账）</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-07-28 02:13</span> <p class="xgzsms">网贷逾期突然不涨利息了并不是什么好事，一般要么是变成呆账，要么是被核销了。然而不管是哪种情况，都会在征信的特殊交易记录上用红字标注。网贷逾期突然不涨利息了怎么回事？例如信用卡贷款，大家应该都知道信用卡逾期是会产生违约金和罚息的，并且会以复利...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-2194339.html" title="网贷逾期未还变成呆账是什么意思-网贷逾期未还变成呆账是什么意思啊">网贷逾期未还变成呆账是什么意思-网贷逾期未还变成呆账是什么意思啊</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2023-10-24 02:55</span> <p class="xgzsms">随着互联网金融的快速发展，网贷平台逐渐成为人们生活中不可或缺的一部分。然而，网贷逾期未还逐渐变成了一个棘手的问题。网贷逾期未还到底是什么意思呢？网贷逾期未还变成了呆账又是什么意思呢？本文将为您详细解答。 首先，网贷逾期未还是指用户在网贷平...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-562854.html" title="网贷呆账不还有什么后果(网贷呆账了过5年可以消除吗)">网贷呆账不还有什么后果(网贷呆账了过5年可以消除吗)</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-04-20 15:23</span> <p class="xgzsms">贷款都需要偿还的，如果不还会承担相应的法律责任： 1. 贷款机构会依法向你催收到期贷款，按照借款合同和担保合同（抵押或质押合同）的约定，贷款行将向法院起诉，法院会采取财产保全等措施，包括冻结你以及贷款担保人的所有银行帐户上的存款，查封你已抵...</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-1755725.html" title="网贷呆账不还有什么后果（网贷呆账了还会起诉吗）">网贷呆账不还有什么后果（网贷呆账了还会起诉吗）</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2023-04-26 11:56</span> <p class="xgzsms">呆账还是还了比较好 不然一直不会消失的 会影响你以后的贷款的 如果你不还以后你不管是什么贷款 基本上都贷不下来 记得还的时候给你的发卡银行打个电话</p></div> <div class="xgzsxg"><h4><a href="https://www.hongjibp.com/laws-565999.html" title="网贷不还征信会有呆账吗(网贷呆账不还有什么后果)">网贷不还征信会有呆账吗(网贷呆账不还有什么后果)</a></h4> <span class="xgzs">来源：<a href="https://www.hongjibp.com/article/23">精选知识</a></span> <span class="xgzs">时间：2022-04-20 03:10</span> <p class="xgzsms"></p></div> </ul> </div> </div> </div> <div class="col-md-7 aside"> <div class="standing" style="margin-top: 20px;"> <div class="positions bb" id="rankScroll"> <div class="standing"> <div 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