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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/">个人债务</a></span> > 正文</div>
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<div id="Title"> <h1><span id="lalTitle">个人债务无法偿还该怎么处理?/span></h1></div>
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发布时间:<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;">凡借出的款项已经超过双方约定期限，但借款仍未归还的，出借人就要考虑催讨，提醒借款人，催告其在合理的期限内返还借款。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;">个人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》第一百零八条规定：“债务应当清偿。暂时无力偿还的，经债权人同意或者人民法院裁决，可以由债务人分期偿还。有能力偿还拒不偿还的，由人民法院判决强制偿还。”由此可见，债务人必须偿还债务是肯定的。但目前社会上债务得不到偿还有两种情况，一种是无力偿还，另一种是有能力而拒不偿还。而《民法通则》对此也仅作了上述原则性规定?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">实践中，债务人无力偿还又有两种不同的情况：一种是暂时无力偿还。如属于这种情况，可按照上述《民法通则》的有关规定，由债务人分期偿还。另一种是永久无力偿还。如果是永久无力清偿的话，则只能就债务人的个人现有财产来清偿了，这就要经过法院审理、作出判决，再付诸执行，也就是说债务人有多少个人财产可供执行，债权人就拿多少?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">私人之间的借款要慎重。借钱给人，必须了解对方的资信情况，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，也要尽可能由借款人提供担保或以一定财产作抵押，这样就可减少风险?/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款能?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">俗话说借钱看人品，在借钱的时候不仅要考虑借款人的经济收入，资产问题。还要看其人品怎样。若借款人在之前就有不良行为，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。若出借人明知道借款人借钱是用于赌博、嫖娼、走私、吸毒等非法活动，仍然出借的、法律不会保护?/p><p><br/></p><p style="text-indent: 2em; text-align: left;">三、借款不得约定高额利息</p><p><br/></p><p style="text-indent: 2em; text-align: left;">我国法律规定：借款利息不得高于银行同期贷款利率?倍。所以债权人不要被高额利息所引诱，超过银行同期贷款利?倍的部分是不受法律保护，债务人是可以不用还的?/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;">债务纠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，所以为了防止债务人赖账或者无法偿还债务的情况出现，做好要求债务人提供担保或者抵押，若债务人到时不还钱，便可行使担保物权或抵押权，对自己的损失进行挽救?/p><p><br/></p></span>
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$('.fixed').css('top', '0px');
}
})
});
</script>
</body>
</html>