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Doesn't everyone think it's incredible? Because from ancient times to the present, it is natural to pay back debts, but now there is no need to pay back, for friends who owe debts, everyone is happy?
But some people rejoice, others worry, because we still have friends around us who lend money. What are the eight types of debt? Come along and take a look, maybe it can help you or your friends and family.
The first is a debt owed unilaterally by the husband and wife
As long as it is not signed by the husband and wife, or if the debt borrowed by one party is not used for the daily expenses of the family, the other party does not need to bear the money, because this is not a joint debt of the husband and wife.
The second is gambling debt
You lend money to the borrower knowing that he is gambling or raising money illegally. Moreover, most of such borrowers have no integrity to talk about, and if they do not pay back the money, then the money will definitely not be returned, because this kind of borrowing is not protected by law.
Third, the civil law on debts that has passed the three-year statute of limitations stipulates that private loans have a three-year protection period, and if the creditor does not file a lawsuit with the court within three years, he loses his right to prevail, the court will no longer uphold it, and the funds may not be recovered. Therefore, the collector must clearly collect the money from Lao Lai during the three-year period, so that the litigation period of the arrears will start to run again.
The fourth type, usury
According to the law, the upper limit of interest rate protection for such loans is adjusted to four times the one-year LPR, and the excess proportional interest can be repaid. So friends who lend usury outside, don't think about making money in this way.
Fifth, beheading
In the future, you only need to repay the principal and the corresponding interest, and the deduction does not have to be repaid. For example, if we borrow 200,000, people want to deduct 50,000 from the principal, and actually give you 150,000, but when calculating interest, people do take 200,000 to calculate, then this 50,000 is beheading.
So in this case, we only need to repay the principal and interest of 150,000, and the principal and interest of 50,000 can be repaid.
The sixth type is routine loans
It is the act of not paying the debt formed against the will of the borrower, such as signing a loan contract through inducement, fraud and other means. Take the various campus loans and beauty loans that have become popular in recent years, once borrowers fall into the trap, they will use various illegal means to force borrowers to tear down the east wall to make up for the western wall.
For this phenomenon, the state has clearly stipulated that debts formed against the will of the borrower do not have to be repaid.
Seventh, debts arising from information theft
Now there are many criminals who take personal information to illegally borrow, so if friends encounter this situation, don't panic, don't be afraid, immediately call the police, let the law punish them, we don't need to repay this debt.
The eighth type is lent to persons who have no capacity for civil conduct
For example, lending to children under the age of ten or people with mental illness. As long as there is no guardian, all of them are not counted, then naturally there is no need to return it
In short, we must remember well and not be deceived by others. There are also friends who often lend money also need to pay more attention, not all kinds of money can be lent, our hard-earned money can not be lost.
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