How to negotiate installment repayment if the borrowing is overdue

First of all, when our borrowing is overdue, if it is due to forgetting, borrowing is to give the borrower a certain buffer time, that is, within three days, the borrowing will not think that you are maliciously overdue.

Of course, if you don't repay it within these three days, the borrower will start to calculate the penalty interest, because, at this time, the borrower will think that you are maliciously overdue, not forgetting to repay. The borrower will consider personal credit reporting. If you are still ready to use the loan again, you have to pay it back within 9 days, because if you don't pay it back within 9 days, the borrowing will turn off the function you use, that is to say, only the function of repaying the money is left, and there is no function of borrowing money (these are searched).

With the increase in the number of Alipay users, there are more and more users who open borrowing. In order to ensure that the repayment is made on time and does not affect the personal credit investigation, the repayment method of borrowing has always been one of the most concerned issues for borrowers.

There are two ways to repay the loan: regular repayment and early repayment.

1. Repay on time: recharge enough amount to Alipay before 12 o'clock on the repayment date (Alipay balance and balance treasure are supported), and the system will automatically deduct it on the same day;

2. Early repayment: You can go to Alipay on your mobile phone - [Ant Borrow] - click on the home page [Go to Repay], select [Early Repayment] in the loan record, and follow the prompts on the page.

Users can make monthly payments on the monthly payment date according to the repayment plan on your page.

Among the reliable big brands on the market, in addition to borrowing, Du Xiaoman Finance's money is also a good choice. The application for money is simple, the loan is fast, and the borrowing and repayment is flexible, and users can take the initiative to apply. The interest fee of the money is transparent, the big brand is more reliable, the interest rate is low, the daily interest rate is as low as (subject to the display on the loan page of the money flower app), the interest rate of borrowing 10,000 yuan is as low as 2 yuan a day, and the maximum amount can be borrowed is 200,000 yuan, which can meet the needs of most borrowers.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

1. First of all, we need to prepare a word for our own negotiation, including our demands and reasons for overdue, we must have confidence and self-confidence in speaking, if we speak unclearly, they think that you are still more afraid of them, and basically cannot succeed.

2. You only need to dial the 95188 button and then transfer to manual service, and then after connecting to customer service, tell me about your current situation, because of what is the reason for the overdue, not deliberately want to overdue, but there is really no way, and then talk about your own installment demands, how much you earn, in addition to the necessary living expenses, negotiate the number of installment periods within your own ability, and generally can negotiate 12 to 60 periods.

3. When negotiating, you must tell him that your collection behavior will greatly affect my existing work situation, if the job is lost, it will be particularly difficult to repay the money, so ask the platform to stop collecting and negotiate installment repayment, if the amount is not very large, I recommend postponing, and when you have saved enough money, you can negotiate to reduce the excess liquidated damages and interest to pay off the arrears at one time.

Extended information: 1. The borrowing is overdue mainly due to the following effects:

1. Functional limitations: After the overdue period, the use of the borrowing function and other credit product functions will be affected, and whether the subsequent repayment can be restored will be evaluated by the system from time to time, and manual intervention cannot be made;

2. Quota impact: even if the loan is repaid after the deadline, the quota may be reduced or there is no quota;

3. Negative records: Overdue records will be uploaded to Sesame Credit and uploaded to the basic database of financial credit information in accordance with regulations;

4. Overdue interest: If the repayment is overdue, the overdue amount will be charged a overdue fee that is multiple of the normal interest rate.

It is recommended that you repay the loan on time and maintain a good usage record to avoid overdue.

Extended Information: 2. What is borrowing:

1. Credit Loan (formerly known as Borrow) is a loan service launched by Ant Financial Services Group relying on Alipay, and users can apply for different loan amounts according to different sesame scoresThe maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is to borrow and repay at any time.

When borrowing, users can choose to lend money to Alipay accounts and bound savings bank cards for personal consumption, decoration, travel, etc.

In November of this year, the name of the loan has been changed to "credit loan", and it is clearly indicated that the service will be provided by the bank.

To negotiate repayment, you can call Ant Financial's customer service**, which is the only way we know that can be negotiated, and there is currently no online entrance to directly negotiate repayment. However, you can consult manual customer service on **.

If you repay the loan in installments, you can negotiate a new repayment plan with Ant Financial, and generally repay at least 10% of the total amount owed every month. However, the user must explain the reason for the repayment negotiation. For example, if you are unemployed at home due to illness or other reasons, you have no financial ** for the time being.

However, it is recommended that when you negotiate, you should clarify with the customer service when you will be able to have income and repayment, and you must clearly express your positive willingness to repay, so that the negotiation can be successful.

But not everyone can negotiate successfully, what if the borrower is unsuccessful in negotiating a deferred repayment? In this case, it is recommended to sort out your arrears first, sort out the due time and amount, and give priority to the repayment of more urgent loans. If you have a credit card debt, it is recommended to pay the credit card first, because the credit card debt can cause illegal records, such as malicious overdue.

In the end, if you can't afford to repay the loan, you can ask your family for help, because many formal loans are now on the credit report, which affects the personal credit report, and there is no way to remedy it in the future. Find an earning job as soon as possible after settling your repayments, and save more with less money, so that you can slowly make up for your fiscal deficit.

If the loan is not overdue, you cannot negotiate the installment repayment. Credit cards can be installments, and borrowing Huabei can be extended.

Alipay's borrowing Huabei can be deferred repayment, the longest time can be deferred for 3 years, you can postpone such an amount for one year, and you can negotiate only to repay the principal after one year, but the negotiation is difficult, you must try hard, remember that you only negotiate with Alipay, what three parties entrust the company to say a word, credit cards, can be negotiated, according to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks Under special circumstances, If it is confirmed that the amount owed by the credit card exceeds the cardholder's ability to repay, and the cardholder is still willing to repay, the issuing bank may negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum term of a personalized installment agreement may not exceed 5 years. If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing business service institution shall stop collecting the cardholder, except in the case where the cardholder fails to perform the installment repayment agreement.

If an oral repayment agreement is reached, the issuing bank must retain the audio recordings. The recording materials shall be retained for at least until the date of settlement of arrears.

If the loan is overdue, the user can apply for negotiated installment repayment, and as long as the negotiation is successful, then the repayment can be made in accordance with the negotiated agreement. If the negotiation fails to repay, the user must pay off the overdue arrears in one lump sum, otherwise the overdue status of the loan will not be lifted, and the user will not be able to apply for other loans during the overdue period. In addition, if the borrowing is overdue, Huabei and the reserve fund will not be available.

If the loan is overdue, you can try to negotiate the repayment, but there is no special reason, and the negotiation is usually unsuccessful. As for the user's frequent overdue, the borrower will directly reject the user's negotiation application.

It is almost impossible for Huabei to borrow a second installmentBecause it is different from a credit card, you can apply for a negotiated installment repayment after the credit card is overdue. This is issued by the regulatory authorities. According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, if the cardholder is indeed unable to repay the outstanding amount, the bank shall negotiate with the cardholder to repay the loan in installments in a fair and impartial manner.

Therefore, it is possible to negotiate installments after the credit card is overdue.

There will be a prompt when borrowing money, and you can repay it in installments. A variety of installments for you to choose from. If you do not choose to repay the loan in instalments at that time.

You can call customer service** to make it clear to them that it is difficult to pay them off at once. Can I repay the loan in installments? You can negotiate with them for specific matters, and the staff will report your application for review and then you can repay the loan in installments.

You can choose to borrow in installments, and you can choose to repay in installments directly on the repayment page of Alipay's borrowing, but you need to bear a part of the interest.

The maximum repayment period is 12 months, and users can choose to repay the loan in monthly installments or in advance. Whether it is an installment repayment or an early repayment, the expected daily annualized interest rate is about the same.

ps.In comparison, credit card installments are more flexible, up to 24 installments, and each installment handling fee is different, which can better alleviate the repayment pressure than borrowing.

There is also a handling fee for borrowing and repaying in installments, but no matter how many installments it is divided into, the handling fee is fixed. When applying for a loan through borrowing, it is best to pay attention to the following:

1. The default installment is 12 months, and users do not need to apply for it by themselves. If you want to make a lump sum payment, you can choose to repay early.

2. To repay the loan in installments, keep in mind the repayment date of each month, which can be found in the application record.

3. You can apply for a loan in multiple times, and each application will occupy the credit line, for example, after you borrow 5,000 yuan, your borrowing line will be 5,000 yuan that cannot be used, but after the payment is not completed, the credit line will be restored partially.

You can negotiate installment repayment with borrowing, and some negotiation repayment skills are available for reference:

1.Explain the overdue situation and financial difficulties to Alipay's official customer service sincerely and truthfully, and apply for deferred repayment and interest discounts, and try to repay in installments. It is best to let the loan platform know that you have a good sense of repayment and attitude to solve the problem.

2.Actively feedback with Alipay's official customer service, collect ** can not be ignored, don't let the loan platform can't contact people, don't deliberately avoid, passive perfunctory.

3.Don't spread your bills out of order, as this will only exacerbate your debt, and work hard to earn money to repay the loan amount in the process, regardless of whether the negotiation is successful or not. Even if it is not enough to repay the full amount, it is still necessary to try to repay some of it while making money, so that the bank can see the sincerity.

4.Strongly express your willingness to repay, and have a relatively clear repayment plan for the next two or three years of repayment, explaining your repayment ideas. Remember not to negotiate with a loan platform in a hurry, because if you are not prepared enough, it will be difficult for the loan platform to approve it.

Operating environment: Alipay version, mobile version:

Extended information: 1. What is the borrowing collection process?

In the early days, Alipay customer service or collection personnel took over, after all, it is a well-known big platform, and the attitude and process are quite standardized, just reminding users of overdue matters and urging early repayment. If it hasn't been returned for more than three months, it will be outsourced to a collection company, and it is very likely that the address book will be blown up and abused at that time, after all, the outsourcing company.

It is to get a commission according to the collection money, and will not pay too much attention to the "details".

Second, there will be no consequences if you borrow.

Generally speaking, if you do not take the initiative to repay the loan on the repayment date, the ant borrows.

Balances and debit cards will be automatically deducted.

If the amount is insufficient and the deduction fails, the ant loan will be deemed overdue by the user. If you still don't pay it back after outsourcing, it will almost become a bad debt.

It is estimated that Alipay will block yours, and it will be very difficult to open it again in the future.

3. The impact of overdue borrowing.

1.Leads to sesame credits.

Decline. Sesame Credit is related to the use of borrowing, and the risk control system will supervise customers in real time, once you are overdue, it will lead to a decrease in Sesame Credit score. For example, if you originally had 700 points, it may drop to more than 600 points after the deadline.

2.Affect the use of borrowing.

Once the borrowing is overdue, it is likely to affect the normal use of the borrowing. If the overdue situation is serious, it may even cause the system to shut down the borrower, and you will not be able to continue to use the borrower in the future.

3.Affect personal credit.

In addition to affecting the Sesame Credit score, the overdue borrowing will also have an impact on the credit of individuals, especially those with serious overdue conditions, which are likely to be uploaded to the credit information system of the People's Bank of China.

Once personal credit is affected, it will be restricted from applying for a card or loan in the future.

After Huabei borrowing is overdue for one year, as long as the user is willing to repay, he can take the initiative to contact customer service to apply for negotiation of repayment. For Huabei and Borrow, as long as the user is willing to repay, it is usually willing to provide some convenience for the user, after all, it is better to recover the arrears than to directly treat the arrears as bad debts. Therefore, as long as the user has a good attitude, he can usually negotiate repayment with the borrower and Huabei.

Of course, negotiated repayment is usually a partial reduction of interest, but after negotiation, the user must repay the loan according to the agreement.

Huabei's overdue will also affect the user's Internet Black Index score, if the Internet Black Index score is too low. A low score on the Internet black index will not only affect the success rate of the mortgage, but also affect the user's Huabei and borrowing amounts, and even cause Huabei and borrowing to be closed.

The impact of the online loan blacklist on individuals is that they are applying for new loans, and it is difficult to approve them again. Although online loans are very convenient now, you must consume rationally, pay attention to repayment on time, and maintain your credit history. When applying for an online loan for a long time, you must pay attention to your online loan big data to prevent it from becoming an online loan blacklist due to blind application.

Just search: Blue Ice Data. Click to query, enter the information to query their own Baihang credit data, the data comes from the national online loan platform and UnionPay, users can query their own big data and credit situation, can obtain various index data, query their own personal credit situation, blacklist situation, online loan application records, application platform type, online loan credit line estimate and other important data information.

Compared with the personal credit report of the central bank, the scope of online loan big data is more extensive, and the institutions issued are more diverse, which is part of the personal credit record and is a useful supplement to the traditional personal credit report.