How to repay the loan and how to negotiate the repayment of the loan

Don't use Zhaolian Finance to deceive people, ** earn money with a bad conscience will be retributed.

Zhaolian good term loan repayment support: automatic withholding and active repayment. By default, automatic bank card deduction is enabled.

Active repayment process]: Log in to mobile banking - "My" - "All", find "I want to borrow money" - "My Zhaolian Good Term Loan" - "My Limit" - "Repayment" under "Loans", and select the corresponding bill operation to repay.

At present, the two most commonly used repayment methods are: equal principal and interest repayment method and equal principal repayment method.

Equal principal and interest repayment method: that is, the borrower repays the loan principal and interest in an equal amount every month. In this way, the interest expense is the largest in the initial repayment, and the principal amount is relatively small, and then the principal repaid gradually increases as the monthly interest expense gradually decreases.

The equal principal repayment method means that the borrower repays the loan principal in equal amounts every month, and the interest decreases with the principal month by month, and the monthly repayment amount also decreases month by month.

Summary: Under the condition that the loan period is the same, the interest to be paid by the equal principal and interest repayment method is higher than that of the equal principal repayment method. Therefore, if you plan to repay the loan early, it is best to choose the equal principal repayment method. Depending on the repayment method, the borrower can choose to reduce the mortgage in the term or in full.

After the user logs in to the homepage of the Zhaolian Financial APP, he finds the "Repayment" section on the page, as shown in the figure above, the user only needs to click to enter, inquire about his repayment amount and time, etc., and pay and repay according to the operation, which can be bound to bank cards, Alipay, etc. If you don't log in in advance, you will still be prompted to log in first when you enter the repayment page

Zhaolian Financial negotiates the repayment method:

1. First inform Zhaolian Financial, and then apply for negotiated repayment, at this time, we must explain clearly why we don't repay, and what is the main problem.

2. Wait for the bank's **, submit information according to the bank's requirements, here we may need our salary flow or medical records due to illness arrears and other information.

3. Wait for the bank for the second time**. After we submit the information, the bank often needs to review at this time, and there is no problem with the review, then we can basically confirm the number of repayment periods, the repayment amount and the reduction of interest.

4. Sign the plan: There are generally recordings, electronic agreements and paper agreements. Most banks will use audio recordings and they will record your balance until the date of settlement.

Extended information: Under normal circumstances, when we negotiate, the bank may or may not agree to repay, but there is a legal basis for negotiating repayment, that is, the state gives us the right to negotiate with the bank, so they have no reason to reject our application.

It is important to note that it may also be rejected when negotiating principal repayment, but it is usually agreed in order to minimize loan losses. In order to avoid not being able to repay the loan on time, it is best for users to measure their repayment ability in advance when applying for a loan, think about the repayment method in advance, and know what aspect of income to use to repay.

When the loan handled on Zhaolian Financial is not repaid or is overdue, it will be uploaded to the credit information center, resulting in poor personal credit. Subsequently, after the arrears are returned, the overdue records will continue to be kept on the credit report for 5 years, and will automatically disappear after 5 years, if it will not be recorded on the credit report all the time.

The full name of Zhaolian Financial is Zhaolian Consumer Finance, which has two major consumer financial products, "good term loan" and "credit payment", providing users with full-line, guarantee-free inclusive consumer credit services. The ways to borrow money include Zhaolian Financial APP, WeChat*** or the channels of various partners.

Log in to Zhaolian Financial.

Extended information: 1. China Merchants Bank.

China merchants bank) was established in Shekou, Shenzhen in 1987.

It is the first joint-stock commercial bank in China that is wholly owned by an enterprise legal person.

It is also the first pilot bank to promote banking reform from outside the system.

2. China Merchants Bank has launched the ATM "face withdrawal" business in Shenzhen, which allows customers to complete the withdrawal without inserting a physical bank card, with a daily limit of 3,000 yuan. If the customer needs to withdraw money, first click on the home page of the ATM screen to select the "face withdrawal" function, the system will automatically capture the scene**, compare it with the bank's trusted ** source in the background, after the verification is passed, the customer enters the mobile phone number to further confirm the identity, and then enters the withdrawal amount, password, and finally takes the cash, the whole process does not need to insert the physical bank card.

3. Prevent and control the novel coronavirus pneumonia throughout the country.

A critical moment in the pandemic.

China Merchants Bank decided to donate 200 million yuan to Wuhan through the Wuhan Charity Federation to fully support Wuhan's fight against the epidemic. After the Wuhan Novel Pneumonia Prevention and Control Headquarters issued an announcement to accept social donations, China Merchants Bank responded to the call as soon as possible, and the special office initiated the relevant procedures, completed the internal approval in a short period of time, and donated 200 million yuan to Wuhan. It is reported that the donated funds will be used by the Wuhan New Pneumonia Prevention and Control Headquarters as a special fund for epidemic prevention and control.

4. China Merchants Group****.

The shares of the Company are indirectly held through the merger of its subsidiaries China Merchants Shipping****, Shenzhen Zhaorong Investment Holdings****, Shenzhen Yanqing Investment Development****, Shenzhen Chuyuan Investment Development****, China Merchants Union (BVI) Limited, Best Winner Investment Limited and China Merchants Industrial Development (Shenzhen)****, and there is no pledge of the Company's shares. Among them, China Merchants Shipping **** directly holds the shares of the company and is the largest shareholder of the company with registered capital.

Zhaolian Financial can negotiate repayment; The only way for Zhaolian to negotiate repayment is through official channels, call Zhaolian's customer service **400-001-2222, and negotiate repayment with Zhaolian's customer service. Zhaolian negotiates repayment, you need to inform Zhaolian Financial first, and then apply for negotiated repayment, you must explain clearly why you don't repay, what is the main problem, and express your willingness to actively repay.

Extended information] 1. Zhaolian Financial Quota Unfreezing Skills.

1.If the amount is frozen due to overdue repayment, the customer must first find a way to pay off the arrears as soon as possible. After paying off the arrears, pay attention to whether the amount is restored, if not, then you must take care of the credit in the future.

2.During this period of credit investigation, do not go to other banks, lending institutions, and platforms to borrow frequently; At the same time, pay attention to maintaining the activity of Zhaolian Financial Account; You can also supplement and complete personal information, and if the economic level has improved, you can also submit more proof of economic and financial resources. After the credit investigation is repaired and the personal credit level is improved, the quota should be unfrozen.

3.If the limit is frozen because the account risk rises because of frequent changes in device login, or frequent modification of account information, and change of bound mobile phone number and bank card, the amount of credit is frozen, then the customer should pay attention to not have similar risk operations in the future, and at the same time pay attention to maintaining personal good credit, and then wait patiently for the risk to pass. When the system detects that the account risk has decreased, it will naturally unfreeze the quota after a short time.

2. Does anyone know about the credit investigation at the Zhaolian Financial Conference?

Zhaolian Financial will be on the credit report. If the borrower borrows the loan of Zhaolian Financial and repays it on time every time, without overdue, then it will not have an impact on the car loan, housing loan, and credit card. However, if the borrower has overdue repayment, it will be reported to the credit record.

It is best not to have overdue repayment on Zhaolian Financial. If you find that you are overdue, you must repay the principal and interest in time, and pay a certain amount of liquidated damages, and you must not ignore it, otherwise you may be reported to the credit blacklist.

The arrears of Zhaolian Financial will not also have the following consequences:

1. Bear high overdue fees. For overdue fees, different online lending platforms have different names and different charging standards. Whether it's called overdue penalty interest, overdue management fee, or any other variety of names, the fees are very high.

Second, facing a national crisis of confidence. At present, online lending platforms have established a blacklist system, and blacklist platforms have begun to communicate with each other. If you don't repay your loan on one platform, it will be difficult to borrow it on other platforms.

3. The People's Bank of China's credit investigation is stained.

Fourth, the defendant will be taken to court. If the loan is overdue for a long time or deliberately does not repay, it will be taken to court.

Legal basis] Article 206 of the Contract Law stipulates that the borrower shall return the loan within the agreed time limit. Where there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 61 of this Law, the borrower may return it at any time; The lender may demand the borrower to return it within a reasonable period of time. (The Contract Law will expire on December 31, 2020).

According to Article 675 of the Civil Code, the borrower shall return the loan within the agreed time limit. Where there is no agreement on the term of the loan or the agreement is not clear, and it is still uncertain in accordance with the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may demand the borrower to return it within a reasonable period of time.

The Civil Code came into force on January 1, 2021).

Founded in March 2015, Zhaolian Consumer Finance **** (hereinafter referred to as "Zhaolian Financial") is a licensed consumer finance company approved by the China Banking and Insurance Regulatory Commission and jointly established by China Merchants Bank and China Unicom, with a registered address in Qianhai, Shenzhen, and a registered capital of 10 billion yuan.

Adhering to the guiding ideology of "not forgetting the original aspiration and benefiting endlessly" and the development concept of "inclusive mission, innovation-driven, core competence and ultimate experience", Zhaolian Financial has two major consumer financial product systems of "good term loan" and "credit payment", providing users with full-line, guarantee-free and low-interest inclusive consumer credit services. Zhaolian Financial has fully covered many consumption scenarios such as shopping, tourism, education, decoration, etc., serving tens of millions of customers, and its business covers a wide range of regions across the country.

The process of negotiating the repayment of principal is as follows:

1. Customers need to contact Zhaolian Financial Institutions first;

2. The customer should explain to the Zhaolian financial institution that the principal can only be repaid due to what reason;

3. According to the requirements of Zhaolian financial institutions, the debtor of the slow liquid difference needs to submit relevant materials;

4. Wait for review. After the review is passed, Zhaolian Financial Institution will confirm the number of repayment periods, repayment amount and interest with the customer;

5. Sign relevant agreements.