When will the loan be repaid and how long is the repayment period of the loan?

1. The repayment date of the loan is generally determined according to the application date of the customer's first loan, and the subsequent loan is usually repaid on time on this date (the specific repayment date is subject to the contract and page display).

For example, if the customer's first borrowing time is the 10th, then the repayment date of the customer's borrowing is the 10th of each month. Of course, you need to note that if the time of borrowing for the first time is from the 29th to the 31st of each month, then the repayment date on the 29th is fixed on the 1st of each month, the repayment date on the 30th is fixed on the 2nd of each month, and the repayment date on the 31st is fixed on the 3rd of each month.

2. In addition, if the first loan date is less than 15 days from the nearest repayment date, it will often be postponed to the next repayment date as the first repayment date. The repayment date of the loan is fixed and cannot be changed temporarily, and the customer should remember to repay the loan on time within the specified period to avoid overdue behavior (the automatic deduction time of the system on the repayment date may not be fixed, and the customer had better charge money before the repayment date, or operate manual repayment).

Extended information: 1. The interest rate of borrowing is calculated differently according to the repayment situation, and there are two situations:

1.If the loan is repaid on time, the maximum repayment period of the loan is 12 months, and the daily interest rate is equal to the principal and interest.

If you borrow 10,000 yuan, you need to pay 1,000 yuan in interest for a year.

2.If you choose to repay early.

The unsettled loan has been settled in advance before the repayment date, and the interest on the early repayment of the loan is also calculated on a daily basis, and the interest is calculated on the basis of how many days it is used, and the specific interest is the principal * days.

Second, ants borrow.

Can the repayment date be changed?

Ant borrowing repayment date can not be changed, all need to be repaid at the specified time, can be repaid in advance, ant borrowing has a 12-month repayment period, from the day you start to borrow successfully, you can repay in advance, if not in advance, then after 10 noon on the deduction date will start to deduct from time to time, to 6 p.m. if the deduction is not successful, it will be overdue, so remember to save enough balance or repay in advance the day before the repayment date.

At present, the term of the loan is fixed at 12 months, if the loan is successful, it can be repaid in 12 months, and it can also be repaid in advance, so how is the repayment date calculated?

Count from the day you borrow, check the loan contract, what is the maturity date of the last month, then this date of each month is your last repayment date, you must deposit enough funds in advance on or before this day, otherwise you will miss the repayment date, not only will the late fee be calculated.

It also affects personal credibility.

Borrowing money, after the money you borrowed arrives, you can actually repay the loan. But no one should have done that. It should be noted that borrowing borrows money, and he is charged on a daily basis.

According to the regulations, the money should be repaid once a month, including principal and interest. The repayment time is the thirty-first day after the day you borrowed the money.

For example, you borrow $3,000 on March 20, and then you choose to repay it in three months. The total interest for three months is $90. Then you have to repay the loan on April 20, 1,000 yuan principal plus 30 yuan interest.

The next repayment will be on May 21, and the principal of 1,000 yuan plus 30 yuan will be repaid. The last time was on June 21, and the same principal of 1,000 yuan plus 30 yuan of interest was repaid. Do you get the idea?

It is understood that when to repay the loan, it is mainly determined by the date of the first application for the loan, that is to say, the date of the first time you borrow money in the loan, which is the date of your loan repayment. And this date is fixed, currently cannot be modified, the specific repayment date is subject to the page display.

For example, if the first time you borrowed money in borrowing was September 1st, then your repayment date will default to the 1st of each month; However, if the first loan occurs on the 29th and 31st, the repayment date will be changed. For loan 29, the repayment date will be on the 25th of each month, for loan 30, the repayment date will be fixed on the 26th, and for loan 31, the repayment date will be set on the 25th.

If you borrow money with a loan, you can repay it at any time. If you have money, it is better to repay it early.

The repayment period of Ant Loan can be short-term and long-term: short-term borrowing can be 1 day, 5 days, 15 days, 30 days, and 45 days. Long-term borrowing options are 3 months, 6 months, 9 months and 12 months, with a maximum term of 12 months.

How to check the borrowing and repayment deadline:

1.Open Alipay, and in the "My" page, click on the 'Ant Borrow' option and click on it.

2.Enter the Ant Borrowing interface and find the [Repayment] option in the upper right corner, as shown in the figure below.

3.Click on the loan in the loan record list to enter the personal consumption loan interface and see your repayment period, as shown in the figure below.

Generally speaking, Alipay borrows again as soon as there is a limit after full repayment. But after you repay all the money, Alipay will also adjust your loan amount according to your credit situation, if your credit is not good at this time, then Alipay will reduce your loan amount or close your loan. If you don't repay it in full, you can't borrow again.

Additional information: Ant Financial Services Group started as Alipay, which was founded in 2004 to provide inclusive financial services to small and micro enterprises and individual consumers.

"Current Name Credit Loan" is a loan service launched by Alipay, and according to the different sesame scores, users can apply for different loan amounts. The 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.

On January 9, 2018, due to excessive leverage and violation of relevant regulatory regulations of the central bank, some user accounts were voluntarily closed to control the loan balance.

On November 8, 2021, it was reported that the name of Alipay's "borrowing" has been changed to "credit loan". In response, Alipay's customer service said that in order to make it easier for you to have a clearer understanding of the actual consumer credit service provider, the consumer credit service provided by the financial institutions that cooperate with Ant has been updated to "credit loan", and the name of the financial institution is displayed on the credit loan page. After this adjustment, the original borrowing, auditing, repayment and other services will not be affected.

Borrowing is an Alipay loan product, according to the user's sesame points, the loan amount is not the same, the longest loan term is 12 months, the daily interest rate of the loan varies from person to person, most of the daily interest rates are between, you can borrow and repay at any time.

At present, the consumer loans launched by e-commerce giants are mainly for installments in the consumption scenarios of the e-commerce platform, but with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another.

On November 7, 2021, Alipay borrowing has been updated to"Line of Credit"After the update, borrowing, auditing, and repayment will remain unchanged. The official said that the credit loan is a consumer credit service provided by a financial institution that cooperates with Ant to provide users independently, and the consumer credit service provider will be displayed, and the user's quota and interest rate are the result of the financial institution's independent approval, and the loan funds applied for by the user are also issued by the financial institution.

In November 2021, it was reported that Borbei responded that Borbei is gradually promoting brand isolation, and a number of licensed financial institutions, including Ant Consumer Finance Company, will jointly provide users with small consumer credit services.

In the future, borrowing will be provided by Ant Consumer Finance and will become the exclusive brand of Ant Consumer Finance. Credit services provided independently by banks and other financial institutions will be displayed on the "Credit" page. In the process of brand isolation, the service experience of users will not be affected, and the core processes such as activation, account review, interest calculation, and loan and repayment will not change.

First, the front. The borrowing period is generally three months, six months, and twelve months, so after borrowing money on the 14th, you do not need to repay the loan immediately on the 24th of the month.

2. Specific analysis.

The repayment date of the loan is generally fixed according to the time of the first borrowing, and subsequent borrowings are often repaid on schedule on that date (if the first loan occurs from the 29th to the 31st, the repayment date on the 29th is fixed on the 25th of each month, the repayment date on the 30th is fixed on the 26th of each month, and the repayment date on the 31st is fixed on the 27th of each month).

For example, if you borrow money on the 14th, the repayment date should be the 14th of each month after that.

Therefore, it is enough to repay the loan on the 14th of the following month.

There are two ways to borrow, the monthly equal amount is to repay the same amount (including principal and interest) every month; Interest before principal is to repay only the interest every month, and then repay the principal and interest of the current month in the last month.

Of course, since borrowing also supports borrowing and repaying at any time, it is no problem to choose to settle in advance on the 24th after borrowing on the 14th, and the interest will be calculated according to the actual number of days at that time.

If you are not clear about your online loan application, you can try to get a big data report on "Xiaoqi Xincha", check your detailed loan records, and then confirm that it is your own loan, at this time, you should pay off all the money you owe and then contact the customer service of the corresponding platform to let them deal with it and see if the online loan blacklist can be eliminated.

3. What should I do if the loan is suddenly closed without paying off?

If the borrowing has been closed by the system before the loan has been paid off, don't worry too much, after all, the borrowing has opened the automatic repayment function by default, as long as you ensure that the Alipay account balance, bound debit card, and Yue Bao have sufficient funds, and then the system will deduct the corresponding amount from it for repayment as usual on the repayment date.

You must know that after the borrowing account is frozen, it mainly affects the inability to borrow again, but it generally does not affect the repayment, that is, it is in a state of "only in but not out".

It is necessary to pay attention to the status and capital trends of the above accounts at all times, and once the balance is found to be insufficient, you need to deposit money in time to avoid affecting the system deduction on the repayment date; If you find that the status of the card is different, you should also contact the bank in time to solve it, and you can change to a bank card.

Note that you must not fail to repay the arrears, once the overdue behavior occurs, it will inevitably lead to damage to personal credit and bring serious adverse effects, which will not only generate penalty interest, but may also make it more difficult to unfreeze and recover the borrowing account.