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<div id="Nav">您的当前位置: <a href="/">捷律|?/a> > <span id="lbNav"><a href="/flzs/zqzw/">债权债务</a> > <a href="/flzs/zqzw/grzw/">个h债务</a></span> > 正文</div>
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<div id="Title"> <h1><span id="lalTitle">个h债务无法偿还该怎么处理Q?/span></h1></div>
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发布旉:<span id="lbInDate">2020/3/12 10:11:00</span> <span id="lbSource">来源:互联|?nbsp; </span><span id="lbAuthor"></span>
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<span id="lalContent"><p style="text-indent: 2em; text-align: left;">凡借出的款已l超q双方约定期限，但借款仍未归还的，出借hp考虑催讨Q提醒借款人，催告其在合理的期限内q还借款。那么个人债务无法偿还该怎么处理呢？</p><p><br/></p><p style="text-indent: 2em; text-align: left;">个h无力偿还债务怎么处理?</p><p><br/></p><p style="text-indent: 2em; text-align: left;">《民法通则》第一N八条规定Q“债务应当清偿。暂时无力偿q的Q经债权人同意或者h民法院裁冻I可以由债务人分期偿q。有能力偿还拒不偿还的，׃h民法院判军_制偿q。”由此可见，债务人必dq债务是肯定的。但目前C会上债务得不到偿q有两种情况Q一U是无力偿还Q另一U是有能力而拒不偿q。而《民法通则》对此也仅作了上q原则性规定?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">实践中，债务人无力偿q又有两U不同的情况Q一U是暂时无力偿还。如属于q种情况Q可按照上述《民法通则》的有关规定Q由债务人分期偿q。另一U是怹无力偿还。如果是怹无力清偿的话Q则只能债务人的个h现有财来清偿了Q这pl过法院审理、作出判冻I再付诸执行，也就是说债务人有多少个h财可供执行Q债权人就拿多?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">Uh之间的借款要慎重。借钱lhQ必M解对方的资信情况Q就是亲朋好友之间的互通有无、如果数额较大的话，除立借据外，也要可能由借款人提供担保或以一定胦产作抉|Q这样就可减风险?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">一、借钱前应该考虑借款人的信誉和还ƾ能?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">俗话说借钱看h品，在借钱的时候不仅要考虑借款人的l济收入Q资产问题。还要看其h品怎样。若借款人在之前有不良行ؓQ最好不要出借?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">二、借款用途是否合?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">合法的借贷关系受到法律的保护。若出借h明知道借款人借钱是用于赌博、嫖娹{走U、吸毒等非法zdQ仍然出借的、法律不会保护?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">三、借款不得U定高额利息</p><p><br/></p><p style="text-indent: 2em; text-align: left;">我国法律规定Q借款利息不得高于银行同期h利率?倍。所以债权Z要被高额利息所引诱Q超q银行同期贷Ƒֈ?倍的部分是不受法律保护，债务人是可以不用q的?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">四、借款风险大，最好提供借款担保和抵?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">债务U纷中许多债权人明知借贷风险大却不要求债务人提供担保，以致于后期债务人借钱不还无计可施Q所以ؓ了防止债务账或者无法偿q债务的情况出玎ͼ做好要求债务人提供担保或者抵|若债务人到时不q钱Q便可行使担保物权或抉|权，对自q损失q行挽救?/p><p><br/></p></span>
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