想做停息挂账？需要准备这些材料！_长寿城事_长寿圈

再不愁法律咨询 发表于 2023-6-9 16:24:47

想做停息挂账？需要准备这些材料！

<section class="tn-board-body ready" ng-class="{ 'ready': isReady }" style="">
<section class="row tn-article-body display-system-page-margins" tn-opera-house="{ gesture: false }" tn-atom-context="{ type: 'paper', inReader: true, animationEnabled: false }" ng-class="{ 'display-system-page-margins': !!displaySystemPageMargins }" style="">
<article class="tn-cube-box paper dock-loader atom-data-binding ng-scope tn-from-house-reader_paper-cp tn-comp-anim-pin tn-comp-inst tn-cube-box-inst tn-comp tn-in-cell-state-" ng-show="!htmlForPreview" tn-bind-comp-tpl-id="reader_paper-cp:sys/loader-cubes-box" tn-comp-role="cube-box" tn-ra-link-sink="" tn-comp="box" tn-comp-pose="compConstraint.pose.tplPose || compAttr.pose" tn-uuid="" tn-animate="(!isCompBound ? '__NOT_MOUNT__' : compAttr.anim)" opera-tn-ra-comp="box" style="">
<section class="tn-comp-pin tn-comp-style-pin" tn-link="compAttr.link || comp.link" tn-sound="compAttr.sound" ng-style="compAttr.style | optimizeImageType" tn-pre-load-image="compAttr.style.backgroundImage">
<section class="tn-cube-slot tn-view-cubes tn-cell-inst ng-scope tn-cell tn-cell-group tn-child-position-absolute tn-group-usage-normal tn-state- tn-cube-flipper-box" tn-cell-type="group" tn-child-position="absolute" tn-cell="cubes" tn-link="cell.link" ng-style="cell.style | optimizeImageType" tn-animate="(!isCellBound ? '__NOT_MOUNT__' : cell.anim)" tn-animate-on-self="true" tn-sound="cell.sound" ng-class="{ 'group-empty': !(cellGroupItems.length) }" opera-tn-ra-cell="box.cubes" style="">
<section class="tn-surface tn-cube tn-show-cube ng-scope tn-from-house-reader_paper-cp tn-comp-anim-pin tn-comp-inst tn-cube-inst tn-comp tn-in-cell-state- on-screen" tn-comp-role="cube" tn-bind-comp-tpl-id="reader_paper-cp:sys/cube-fs" ng-repeat="chd in cellGroupItems track by $index" tn-comp="chd" tn-comp-pose="compConstraint.pose.tplPose || compAttr.pose" tn-uuid="" tn-animate="(!isCompBound ? '__NOT_MOUNT__' : compAttr.anim)" tn-comp-index="0" opera-tn-ra-comp="box.cubes:0" style="">
<section class="tn-comp-pin tn-comp-style-pin" tn-link="compAttr.link || comp.link" tn-sound="compAttr.sound" ng-style="compAttr.style | optimizeImageType" tn-pre-load-image="compAttr.style.backgroundImage">
<section class="dock booklet tn-page-slot tn-view-pages tn-cell-inst ng-scope tn-cell tn-cell-group tn-child-position-absolute tn-group-usage-normal tn-state- tn-vertical-flipper-box" tn-cell-type="group" tn-child-position="absolute" tn-cell="pages" tn-link="cell.link" ng-style="cell.style | optimizeImageType" tn-animate="(!isCellBound ? '__NOT_MOUNT__' : cell.anim)" tn-animate-on-self="true" tn-sound="cell.sound" ng-class="{ 'group-empty': !(cellGroupItems.length) }" opera-tn-ra-cell="box.cubes:0.pages">
<section class="tn-surface tn-page tn-show-page ng-scope tn-from-house-reader_paper-cp tn-comp-anim-pin tn-comp-inst tn-page-inst tn-comp tn-in-cell-state- tn-comp-mode-flow on-screen" tn-comp-role="page" tn-bind-comp-tpl-id="reader_paper-cp:sys/pg-flw" ng-repeat="chd in cellGroupItems track by $index" tn-comp="chd" tn-comp-pose="compConstraint.pose.tplPose || compAttr.pose" tn-uuid="" tn-animate="(!isCompBound ? '__NOT_MOUNT__' : compAttr.anim)" tn-comp-index="0" opera-tn-ra-comp="box.cubes:0.pages:0" style="">
<section class="tn-comp-pin tn-comp-style-pin" tn-link="compAttr.link || comp.link" tn-sound="compAttr.sound" tn-page-content-size-in-reader="" ng-style="compAttr.style | optimizeImageType" tn-pre-load-image="compAttr.style.backgroundImage">
<section class="tn-layer-slot tn-cell-inst ng-scope tn-cell tn-cell-group tn-child-position-absolute tn-group-usage-normal tn-state-" tn-cell-type="group" tn-child-position="absolute" tn-cell="layers" tn-link="cell.link" ng-style="cell.style | optimizeImageType" tn-animate="(!isCellBound ? '__NOT_MOUNT__' : cell.anim)" tn-animate-on-self="true" tn-sound="cell.sound" ng-class="{ 'group-empty': !(cellGroupItems.length) }" opera-tn-ra-cell="box.cubes:0.pages:0.layers" style="">
<section class="tn-layer ng-scope tn-from-house-reader_paper-cp tn-comp-anim-pin tn-comp-inst tn-layer-inst tn-comp tn-in-cell-state-" tn-comp-role="layer" tn-bind-comp-tpl-id="reader_paper-cp:sys/ly-flw" ng-repeat="chd in cellGroupItems track by $index" tn-comp="chd" tn-comp-pose="compConstraint.pose.tplPose || compAttr.pose" tn-uuid="" tn-animate="(!isCompBound ? '__NOT_MOUNT__' : compAttr.anim)" tn-comp-index="0" opera-tn-ra-comp="box.cubes:0.pages:0.layers:0" style="">
<section class="tn-comp-pin tn-comp-style-pin" tn-link="compAttr.link || comp.link" tn-sound="compAttr.sound" ng-style="compAttr.style | optimizeImageType" tn-pre-load-image="compAttr.style.backgroundImage">
<section class="tn-comp-slot tn-cell tn-cell-group tn-child-position-static tn-state- ng-scope" tn-cell-type="group" tn-link="cell.link" tn-animate="(!isCellBound ? '__NOT_MOUNT__' : cell.anim)" tn-animate-on-self="true" style="" tn-ra-wrapper-cell="" tn-ra-cell="box.cubes:0.pages:0.layers:0.comps">
<section class="tn-comp-top-level tn-from-house-paper-cp tn-comp-anim-pin tn-comp ng-scope" tn-comp-pose="compConstraint.pose.tplPose || compAttr.pose" tn-uuid="" tn-animate="(!isCompBound ? '__NOT_MOUNT__' : compAttr.anim)" style="position: static;" tn-ra-comp="box.cubes:0.pages:0.layers:0.comps:1">
<section class="tn-comp-pin tn-comp-style-pin" tn-link="compAttr.link || comp.link" style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap; margin: 0px 0px 20px;">
<section style="display: inline-block; width: 100%; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 0px 0px 0px 1px; border-color: rgb(189, 145, 67); padding: 17px 0px 17px 20px;box-sizing:border-box;max-width: 100% !important;" tn-cell-type="group" tn-link="cell.link" tn-animate="(!isCellBound ? '__NOT_MOUNT__' : cell.anim)" tn-animate-on-self="true" class="tn-cell tn-cell-group tn-child-position-static tn-state- ng-scope" tn-ra-cell="box.cubes:0.pages:0.layers:0.comps:1.col1">
<section class="tn-from-house-paper-cp tn-comp-anim-pin tn-comp ng-scope" tn-comp-pose="compConstraint.pose.tplPose || compAttr.pose" tn-uuid="" tn-animate="(!isCompBound ? '__NOT_MOUNT__' : compAttr.anim)" style="" tn-ra-comp="box.cubes:0.pages:0.layers:0.comps:1.col1:0">
<section class="tn-comp-pin tn-comp-style-pin" tn-link="compAttr.link || comp.link">
<section tn-cell-type="text" tn-link="cell.link" tn-animate="(!isCellBound ? '__NOT_MOUNT__' : cell.anim)" tn-animate-on-self="true" tn-yzk-font-usage-id="cell.style.tnYzkFontUsageId" title="" class="tn-cell tn-cell-text horizontal-tb tn-state- ng-scope" style="text-align: justify; font-size: 87.5%; color: rgb(62, 62, 62); letter-spacing: 2px; line-height: 2; padding: 0px 10px;box-sizing:border-box;font-family: PingFangSC-light;" tn-ra-cell="box.cubes:0.pages:0.layers:0.comps:1.col1:0.txt1">
<p style="text-indent: 2em;">
如今越来越多的人会申请信用卡，很多人使用信用卡后因为无法按时还款，所以会想申请停息挂账，而申请停息挂账只要符合银行协商要求，经银行同意后才可进行协商，下面就来了解一下银行停息挂账条件？
</p>
</section>
</section>
</section>
</section>
</section>
</section>
<section class="tn-comp-top-level tn-from-house-paper-cp tn-comp-anim-pin tn-comp ng-scope" tn-comp-pose="compConstraint.pose.tplPose || compAttr.pose" tn-uuid="" tn-animate="(!isCompBound ? '__NOT_MOUNT__' : compAttr.anim)" style="position: static;" tn-ra-comp="box.cubes:0.pages:0.layers:0.comps:2">
<section class="tn-comp-pin tn-comp-style-pin" tn-link="compAttr.link || comp.link">
<section tn-cell-type="text" tn-link="cell.link" tn-animate="(!isCellBound ? '__NOT_MOUNT__' : cell.anim)" tn-animate-on-self="true" tn-yzk-font-usage-id="cell.style.tnYzkFontUsageId" title="" class="tn-cell tn-cell-text horizontal-tb tn-state- ng-scope" style="text-align: justify; font-size: 87.5%; color: rgb(62, 62, 62); letter-spacing: 2px; line-height: 2; padding: 0px 10px;box-sizing:border-box;font-family: PingFangSC-light;" tn-ra-cell="box.cubes:0.pages:0.layers:0.comps:2.txt1">
<p style="text-indent: 2em;">
<strong style="text-indent: 2em;">一、银行停息挂账条件</strong><br/>
</p>
<p style="text-indent: 2em;">
停息挂账的申请条件为：确认银行贷款超过了借款人的还款能力，借款人有良好的还款意愿，能提供正当的协商理由，通常满足以上三个条件，借款人可以联系银行申请停息挂账。
</p>
<p style="text-indent: 2em;">
需注意的是，停息挂账需要在贷款逾期后申请，未逾期通常无法申请停息挂账。申请停息挂账用户可向银行提交申请，申请后需要与银行协商，说明个人当下的资金不足，无力进行还款情况，提供相关证明资料，银行通常会对用户进行审核。
</p>
<p style="text-indent: 2em;">
<br/>
</p>
</section>
</section>
</section>
<section class="tn-comp-top-level tn-from-house-paper-cp tn-comp-anim-pin tn-comp ng-scope" tn-comp-pose="compConstraint.pose.tplPose || compAttr.pose" tn-uuid="" tn-animate="(!isCompBound ? '__NOT_MOUNT__' : compAttr.anim)" style="position: static;" tn-ra-comp="box.cubes:0.pages:0.layers:0.comps:3">
<section class="tn-comp-pin tn-comp-style-pin" tn-link="compAttr.link || comp.link" style="line-height: 0;">
<section tn-cell-type="image" style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 0;" class="tn-cell tn-cell-image tn-state- ng-scope" tn-link="cell.link" tn-animate="(!isCellBound ? '__NOT_MOUNT__' : cell.anim)" tn-animate-on-self="true" title="" tn-ra-cell="box.cubes:0.pages:0.layers:0.comps:3.img1">

</section>
</section>
</section>
<section class="tn-comp-top-level tn-from-house-paper-cp tn-comp-anim-pin tn-comp ng-scope" tn-comp-pose="compConstraint.pose.tplPose || compAttr.pose" tn-uuid="" tn-animate="(!isCompBound ? '__NOT_MOUNT__' : compAttr.anim)" style="position: static;" tn-ra-comp="box.cubes:0.pages:0.layers:0.comps:4">
<section class="tn-comp-pin tn-comp-style-pin" tn-link="compAttr.link || comp.link">
<section tn-cell-type="text" tn-link="cell.link" tn-animate="(!isCellBound ? '__NOT_MOUNT__' : cell.anim)" tn-animate-on-self="true" tn-yzk-font-usage-id="cell.style.tnYzkFontUsageId" title="" class="tn-cell tn-cell-text horizontal-tb tn-state- ng-scope" style="text-align: justify; font-size: 87.5%; color: rgb(62, 62, 62); letter-spacing: 2px; line-height: 2; padding: 0px 10px;box-sizing:border-box;font-family: PingFangSC-light;" tn-ra-cell="box.cubes:0.pages:0.layers:0.comps:4.txt1">
<p style="text-indent: 2em;">
<br/>
</p>
<p style="text-indent: 2em;">
<strong>二、停息挂账需要哪些材料</strong>
</p>
<p style="text-indent: 2em;">
1.借款人的身份证明资料，这是基本需要的，如身份证或银行预留电话。
</p>
<p style="text-indent: 2em;">
2.个人信用证明。个人信用里记录借款人的信用记录，如借款金额、借款次数、按时还款或违约记录等。
</p>
<p style="text-indent: 2em;">
3.个人无力还贷原因证明。如失业、疾病住院、突发意外等，需要开具相关证明给到银行，证明自身还款能力。
</p>
<p style="text-indent: 2em;">
3.个人经济证明。个人名下经济证明可让银行确认用户实际还款能力，确认有一定还款能力好后期能按协商分期还款，银行会根据用户经济能力进行还款计划协商。
</p>
<p style="text-indent: 2em;">
<br/>
</p>
</section>
</section>
</section>
<section class="tn-comp-top-level tn-from-house-paper-cp tn-comp-anim-pin tn-comp ng-scope" tn-comp-pose="compConstraint.pose.tplPose || compAttr.pose" tn-uuid="" tn-animate="(!isCompBound ? '__NOT_MOUNT__' : compAttr.anim)" style="position: static;" tn-ra-comp="box.cubes:0.pages:0.layers:0.comps:5">
<section class="tn-comp-pin tn-comp-style-pin" tn-link="compAttr.link || comp.link" style="line-height: 0;">
<section tn-cell-type="image" style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 0;" class="tn-cell tn-cell-image tn-state- ng-scope" tn-link="cell.link" tn-animate="(!isCellBound ? '__NOT_MOUNT__' : cell.anim)" tn-animate-on-self="true" title="" tn-ra-cell="box.cubes:0.pages:0.layers:0.comps:5.img1">

</section>
</section>
</section>
<section class="tn-comp-top-level tn-from-house-paper-cp tn-comp-anim-pin tn-comp ng-scope" tn-comp-pose="compConstraint.pose.tplPose || compAttr.pose" tn-uuid="" tn-animate="(!isCompBound ? '__NOT_MOUNT__' : compAttr.anim)" style="position: static;" tn-ra-comp="box.cubes:0.pages:0.layers:0.comps:6">
<section class="tn-comp-pin tn-comp-style-pin" tn-link="compAttr.link || comp.link">
<section tn-cell-type="text" tn-link="cell.link" tn-animate="(!isCellBound ? '__NOT_MOUNT__' : cell.anim)" tn-animate-on-self="true" tn-yzk-font-usage-id="cell.style.tnYzkFontUsageId" title="" class="tn-cell tn-cell-text horizontal-tb tn-state- ng-scope" style="text-align: justify; font-size: 87.5%; color: rgb(62, 62, 62); letter-spacing: 2px; line-height: 2; padding: 0px 10px;box-sizing:border-box;font-family: PingFangSC-light;" tn-ra-cell="box.cubes:0.pages:0.layers:0.comps:6.txt1">
<p style="text-indent: 2em;">
<br/>
</p>
<p style="text-indent: 2em;">
<strong>三、信用卡停息分期需要额外付费吗</strong>
</p>
<p style="text-indent: 2em;">
1.一般情况下，持卡人向银行申请信用卡停息挂账业务时，不需要支付任何额外的费用。用户之所以申请暂停支付，是因为用户没有足够的还款能力，向银行申请停止支付信用卡账单利息。
</p>
<p style="text-indent: 2em;">
2.但不同贷款机构对协商的规定不一样，不同银行对信用卡逾期办理停息挂账的处理规则会不同，大部分银行收取千分之三的手续费。
</p>
<p style="text-indent: 2em;">
3.持卡人与银行申请个性化协议还款并办理停息挂账业务后，后续债务将不再需要支付利息，只需缴纳少量手续费。
</p>
<p style="text-indent: 2em;">
<br/>
</p>
</section>
</section>
</section>
<section class="tn-comp-top-level tn-from-house-paper-cp tn-comp-anim-pin tn-comp ng-scope" tn-comp-pose="compConstraint.pose.tplPose || compAttr.pose" tn-uuid="" tn-animate="(!isCompBound ? '__NOT_MOUNT__' : compAttr.anim)" style="position: static;" tn-ra-comp="box.cubes:0.pages:0.layers:0.comps:7">
<section class="tn-comp-pin tn-comp-style-pin" tn-link="compAttr.link || comp.link" style="line-height: 0;">
<section tn-cell-type="image" style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 0;" class="tn-cell tn-cell-image tn-state- ng-scope" tn-link="cell.link" tn-animate="(!isCellBound ? '__NOT_MOUNT__' : cell.anim)" tn-animate-on-self="true" title="" tn-ra-cell="box.cubes:0.pages:0.layers:0.comps:7.img1">

</section>
</section>
</section>
<section class="tn-comp-top-level tn-from-house-paper-cp tn-comp-anim-pin tn-comp ng-scope" tn-comp-pose="compConstraint.pose.tplPose || compAttr.pose" tn-uuid="" tn-animate="(!isCompBound ? '__NOT_MOUNT__' : compAttr.anim)" style="position: static;" tn-ra-comp="box.cubes:0.pages:0.layers:0.comps:8">
<section class="tn-comp-pin tn-comp-style-pin" tn-link="compAttr.link || comp.link">
<section tn-cell-type="text" tn-link="cell.link" tn-animate="(!isCellBound ? '__NOT_MOUNT__' : cell.anim)" tn-animate-on-self="true" tn-yzk-font-usage-id="cell.style.tnYzkFontUsageId" title="" class="tn-cell tn-cell-text horizontal-tb tn-state- ng-scope" style="text-align: unset; line-height: 2; letter-spacing: 2px; padding: 0px 10px;box-sizing:border-box;" tn-ra-cell="box.cubes:0.pages:0.layers:0.comps:8.txt1">
<p>
<br/>
</p>
<p style="text-indent: 2.25em;">
<span style="font-size: 87.5%;font-family: PingFangSC-light;">以上就是关于银行停息挂账条件的相关讲解，相信大家对停息挂账已有一定了解，停息挂账一般出账在信用卡消费额度太大无力偿还的情况下，当欠款无力偿还向银行申请停息分期可以减轻个人付利息的压力。</span>
</p>
<p style="text-indent: 2.25em;">
<span style="font-size: 87.5%;font-family: PingFangSC-light;">我们有专业债务优化法务团队，专注信用卡停息挂账、房贷延期、网贷协商还款，如果您深陷债务危机不知道怎么协商还款，或者协商不成功的，请随时联系我们，或者添加下方微信。希望我的专业知识可以帮助到你，一起加油！</span>
</p>
</section>
</section>
</section>
<section class="tn-comp-top-level tn-from-house-paper-cp tn-comp-anim-pin tn-comp ng-scope" tn-comp-pose="compConstraint.pose.tplPose || compAttr.pose" tn-uuid="" tn-animate="(!isCompBound ? '__NOT_MOUNT__' : compAttr.anim)" style="position: static;" tn-ra-comp="box.cubes:0.pages:0.layers:0.comps:9">
<section class="tn-comp-pin tn-comp-style-pin" tn-link="compAttr.link || comp.link" style="text-align: center; margin-top: 10px; margin-bottom: 10px; line-height: 0;">
<section tn-cell-type="image" style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 0;" class="tn-cell tn-cell-image tn-state- ng-scope" tn-link="cell.link" tn-animate="(!isCellBound ? '__NOT_MOUNT__' : cell.anim)" tn-animate-on-self="true" title="" tn-ra-cell="box.cubes:0.pages:0.layers:0.comps:9.img1">

</section>
</section>
</section>
<section class="tn-comp-top-level tn-from-house-paper-cp tn-comp-anim-pin tn-comp ng-scope" tn-comp-pose="compConstraint.pose.tplPose || compAttr.pose" tn-uuid="" tn-animate="(!isCompBound ? '__NOT_MOUNT__' : compAttr.anim)" style="position: static;" tn-ra-comp="box.cubes:0.pages:0.layers:0.comps:10">
<section class="tn-comp-pin tn-comp-style-pin" tn-link="compAttr.link || comp.link" style="text-align: center; margin-top: 10px; margin-bottom: 10px; line-height: 0;">
<section tn-cell-type="image" style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 0;" class="tn-cell tn-cell-image tn-state- ng-scope" tn-link="cell.link" tn-animate="(!isCellBound ? '__NOT_MOUNT__' : cell.anim)" tn-animate-on-self="true" title="" tn-ra-cell="box.cubes:0.pages:0.layers:0.comps:10.img1">

</section>
</section>
</section>
<section class="tn-comp-top-level tn-from-house-paper-cp tn-comp-anim-pin tn-comp ng-scope" tn-comp-pose="compConstraint.pose.tplPose || compAttr.pose" tn-uuid="" tn-animate="(!isCompBound ? '__NOT_MOUNT__' : compAttr.anim)" style="position: static;" tn-ra-comp="box.cubes:0.pages:0.layers:0.comps:11">
<section class="tn-comp-pin tn-comp-style-pin" tn-link="compAttr.link || comp.link" style="text-align: center; margin-top: 10px; margin-bottom: 10px; line-height: 0;">
<section tn-cell-type="image" style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 0;" class="tn-cell tn-cell-image tn-state- ng-scope" tn-link="cell.link" tn-animate="(!isCellBound ? '__NOT_MOUNT__' : cell.anim)" tn-animate-on-self="true" title="" tn-ra-cell="box.cubes:0.pages:0.layers:0.comps:11.img1">

</section>
</section>
</section>
<section class="tn-comp-top-level tn-from-house-paper-cp tn-comp-anim-pin tn-comp ng-scope" tn-comp-pose="compConstraint.pose.tplPose || compAttr.pose" tn-uuid="" tn-animate="(!isCompBound ? '__NOT_MOUNT__' : compAttr.anim)" style="position: static;" tn-ra-comp="box.cubes:0.pages:0.layers:0.comps:12">
<section class="tn-comp-pin tn-comp-style-pin" tn-link="compAttr.link || comp.link" style="text-align: center; margin-top: 10px; margin-bottom: 10px; line-height: 0;">
<section tn-cell-type="image" style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 0;" class="tn-cell tn-cell-image tn-state- ng-scope" tn-link="cell.link" tn-animate="(!isCellBound ? '__NOT_MOUNT__' : cell.anim)" tn-animate-on-self="true" title="" tn-ra-cell="box.cubes:0.pages:0.layers:0.comps:12.img1">

</section>
</section>
</section>
</section>
</section>
</section>
</section>
</section>
</section>
</section>
</section>
</section>
</section>
</section>
</article>
</section>
</section>
<section class="row tn-board-foot" ng-show="isReady" style="">
<hr/>
</section>

月印无心 发表于 2023-6-9 17:22:54

财务难，关键是没有

不忘厨心的阿钟 发表于 2023-6-9 21:42:59

{:4_206:}{:4_206:}{:4_206:}{:4_206:}

自由自在全球 发表于 2023-6-10 06:35:28

知道了。

Ура! 发表于 2023-6-10 15:15:25

花呗都还不赢还去搞信用卡。{:4_208:}

涛涛100 发表于 2023-6-10 17:02:24

最好的还是不要贷款

miss赵 发表于 2023-6-10 18:31:13

{:4_204:}

页: [1]

长寿圈's Archiver

想做停息挂账？需要准备这些材料！