Debt150,000 to 5 million What are the consequences of signing a 30-year exemption agreement?

There are companies with real debts and fraudsters. Most people think this is false because they don't pretend to understand. Actually, I don't know the inside story at all. And don't come out and ask a group of idiots what they can't say all day. The origin of canceling and repaying the bank's non-performing loan agreement;

At present, banks uniformly adopt the five-level loan classification management method. Specifically, loans are divided into: normal, secondary, concerned, suspicious and loss. Bad debts are classified as loss loan management.

Bad debts refer to accounts receivable that have passed the repayment period, can not be recovered after collection, and are in a sluggish state for a long time, which may become bad debts. It refers to the bad debts that fail to recover the loan principal and interest in time, and at the same time, because the borrower has no mortgage or pledge, it is impossible to pay off the bank debts.

Once the loan exceeds the loan period, the bank has repeatedly failed to collect it. Mortgage loans can handle collateral, and unsecured normal loans can be written off after entering bad debts. Why was it cancelled? Because it is always not written off, it affects the quality of bank loans and directly causes a high non-performing rate. It has an impact on the total income of the whole bank and has a serious impact on the total amount of loans in the second year. Therefore, once there is an irrecoverable loan, banks can generally write it off. Because the bank will withdraw the loan write-off reserve at the end of each year, which is specially used to write off loans.

The bank's non-performing loans remain high, and the bad debts greatly exceed the highest red line required by higher-level banks:

The agreement on write-off and repayment of non-performing loans means that the non-performing loans of some banks have increased sharply, but they still cannot be reduced to the prescribed red line after annual write-off. Therefore, this illegal operation was taken to lure some people in the society who are in urgent need of money and are not eligible to apply for loans to banks through intermediary companies, and sign the so-called "signing repayment of non-performing loans in banks" agreement, saying that non-performing loans need not be repaid. A one-time handling fee of 60% of the appropriation amount (including five-year bank interest) will be charged. After the loan contract under this agreement is approved by the bank, the borrower must personally go to the bank to sign the loan agreement, which means that the borrower knows and agrees to the terms of the contract. At the same time, I also told the borrower that if you want to do "this" (sign a non-performing loan), you will have a bad debt for five years, which will affect the loan. ......

What is the result? For example, for this kind of loan, you applied for a loan of 3 million yuan, but you actually got 500 thousand yuan, and you have to pay a handling fee (including 5 years of 3 million interest). The bank only promises a 35-year exemption agreement!

In fact, since then, the borrower has been burdened with 3 million bad debts, and has been put into the special attention (blacklist) of the credit information system of the People's Bank of China for five years, so it is impossible to carry out any financial business normally. When the time is ripe, the bank will write off the bad debt application.

Exchange personal credit for bank loans,