If the borrowing is closed, can I still repay the loan, and can I open it again after the borrowing

Hello, the answer is that it can be opened, but re-opening also needs to be evaluated by the system, and it generally takes a long time to accumulate good credit before it can be opened. Please refer to the following points for details:

1. Try to maintain a good and stable use of Alipay account, minimize the situation of logging in from other places, changing mobile phone logins, and do not frequently change mobile phone numbers and passwords.

2. Maintain a good credit situation For example, loans from other platforms such as credit cards, car loans, and housing loans must be repaid on time.

3. Transfers, cash withdrawals, payments, credit card repayments, and financial management on Alipay should also be used more.

At the same time, Xiaoyou also advises everyone to maintain a good credit record in daily life and repay the loan on time. If you have good credit, it will not be so difficult to get a loan, borrow money, and apply for a card.

Finally, if you have urgent needs for money, it is recommended that you choose a big brand for loans, with transparent interest rates and to ensure your information security, "Rich Money" is the original financial credit service brand (formerly known as: Rich Flower, renamed "Rich Flower" in June 2018), positioned to provide personal consumer credit services for the public and create an innovative consumer credit model. Relying on the advantages of technology and scenarios, "Rich Money" uses artificial intelligence and big data risk control technology to bring users convenient, fast and reassuring Internet credit services, with simple application materials, the fastest 30 seconds for approval, and the fastest 3 minutes for loan disbursement.

Early repayment is possible, and the recovery limit can be revolving after repayment. I hope this is helpful to you, click below on the mobile phone to measure the amount immediately, and the maximum amount you can borrow is 200,000.

1. If the borrowing is closed by the system, or the user takes the initiative to apply for the closure of the borrowing, it can be re-opened after it is closed. However, the re-opening of the loan needs to pass the system evaluation, and if it does not pass the evaluation, the activation will fail. Since there is no fee for borrowing if you don't use it, users don't need to close borrowing for a long time.

Reserve the borrowing amount of the borrower, and you can apply for a loan at any time if you need to borrow money in the future. Of course, if the user does not have any borrowing needs, then he can choose to close the borrowing, and after the borrowing is closed, as long as it is not reopened, then the user will not be able to continue to use the borrowing.

2. After closing the borrowing, if it still meets the ant borrowing.

can be activated again. On the contrary, there is no opening entrance for borrowing. Specific steps to re-activate:

Open Alipay on your mobile phone, select "My", then select "Ant Borrow", click "Re-open Borrow", and enter the Alipay payment password to complete the opening.

Operating environment: brand model: iphone13

3. Ant borrowing will be based on the user's use of Alipay and credit behavior to see whether it is eligible to open, if the performance in all aspects is good, then congratulations, the probability of opening is very large. Borrowing is Ant Financial.

A short-term consumer loan launched.

products, users can apply for loans within their own limits, and the accounts will be received in real time after applying. After borrowing, you can choose to repay the loan in 6 or 12 installments, or you can choose to repay it early.

There are no processing fees, only interest is paid on a daily basis. Only one account under an identity name can use debit, and the available account does not support adjustment, because borrowing does not require collateral and guarantee, so the account situation will be comprehensively evaluated from time to time. Borrowing is a borrowing service for personal consumption, in the process of borrowing and borrowing, it will be comprehensively evaluated from time to time according to your account situation and borrowing usage, the amount is not fixed, and manual intervention in the evaluation results.

If there is no borrowing quota for the time being, this is a normal evaluation update display, and if there is a borrowing quota in the future, it will be displayed on the borrowing quota page in time.

For the case of Alipay borrowing being suddenly closed, as long as the reason is found out and the existing problems are solved, there is a chance to reopen it after that.

For example, if you are closed because your credit is damaged due to overdue repayment, you should pay off the overdue arrears as soon as possible, and then patiently spend time to repair the damaged credit, and then accumulate a good record, and gradually improve your personal creditworthiness.

In addition, if the system is closed because of bad behaviors such as illegal cash withdrawals and score swiping, or due to the system risk control caused by the total change of equipment login, frequent modification of account information, etc., then pay attention to avoid such risky operations in the future and wait patiently for the end of risk control.

The system generally conducts a comprehensive assessment of the account usage and credit status every month or so, and as long as the system passes the comprehensive assessment, there is a chance to resume the loan.

Of course, it should also be noted that some of them were closed for borrowing because they opened a store and became an individual industrial and commercial household, and the system should provide more suitable online business loans for use.

For those who are not very clear about their online loan big data, they can view their online loan big data information through "Kingfisher Data". This database works with more than 2,000 online lending platforms, so the data queried is very accurate.

Extended Information: How long is the grace period for borrowing?

There is no grace period for borrowing.

The borrower must repay the loan before 24 o'clock on the day of repayment, and even if the overtime repayment is only 1 minute overtime, the borrower will be regarded as overdue.

Since there is no grace period, users can only repay in advance or on time.

After the borrowing is overdue, there will be an overdue record on the credit investigation, and the overdue record will lead to poor personal credit, and subsequent users will not be able to apply for borrowing again.

If the borrowing is overdue, it will also cause Huabei and the reserve fund to be unusable, which may affect the daily life of the user.

The user returns the arrears on time, which is conducive to accumulating a good credit record, and the subsequent application for borrowing has a higher probability of passing the loan review.

Although there is no grace period for borrowing, it supports users to repay in advance, which can effectively save loan interest after early repayment.

Unlike Huabei, Huabei has a 3-day grace period for repayment, and if the repayment is made within 3 days after the repayment date, the system will treat the user as repaying on time.

Summary. Hello. Can I open it again after the borrowing is closed?

OK. You can open it again after you turn it off. After the borrowing is closed, the system will evaluate the user's Alipay account from time to time, and when the user meets the conditions for borrowing and passes the system evaluation, the system will take the initiative to open the borrowing for the user.

Therefore, users need to maintain a good credit history and Alipay activity for a long time in order to open a loan again. In addition, after the borrowing is turned off, users can continue to use Huabei and the reserve, and when using Huabei and the reserve, they must pay attention to repaying on time.

Can I open it again after the borrowing is closed?

Hello. Can I open it again after the borrowing is closed: Yes.

You can open it again after you turn it off. After the borrowing is closed, the system will evaluate the user's Alipay account from time to time, and when the user meets the conditions for borrowing and passes the system evaluation, the system will take the initiative to open the borrowing for the user. Therefore, users need to maintain a good credit history and Alipay activity for a long time in order to open a loan again.

In addition, after the borrowing is turned off, users can continue to use Huabei and the reserve, and when using Huabei and the reserve, they must pay attention to repaying on time.

"Borrow" is a loan service launched by Alipay, and the current application threshold is more than 600 sesame points. Depending on the score, users can apply for loans ranging from 1,000-300,000 yuan. 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.

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. The following is the actual combat experience: 1. Deposit Yue Bao or Zhao Cai Bao (regular), deposit 15,000+ money, and you can basically withdraw it after 10 days, generally on the 1-10th limit; 2. Mobile phone **MYbank app, and then deposit money to Yu Libao, 10,000 + deposit a month can basically lend + MYbank consumer loan 10,000; But there are still netizens complaining about Uncle Ma Yun; One of the reasons why I am not optimistic about these Internet companies engaging in finance is that they do not have the experience of receiving users who can't even distinguish between interest and fees.

This part of the business will naturally have an impact on the bank's similar business, after all, the scale of several major Internet giants is there. But not every industry is suitable for the internet. The amount is too low, and the repayment of the principal in installments is a bit of a chicken rib, which is destined to be difficult to replace the position of traditional finance.

Usually it will not be closed because there is timely repayment, if you need to close it yourself, you can close it manually, and the solution is as follows:

1. Open Alipay in our mobile phone and click Ant Borrow, as shown in the figure below

2. After entering the ant borrowing interface, click the question mark icon at the top right, as shown in the figure below

3. After entering, click "How to close ant borrowing", if you don't find it, you can find it by changing and re-entering, as shown in the figure below

4. After entering, click to close the loan service, it should be noted that once it is closed, when it is opened again, the system will re-evaluate, and it may not be opened, and the amount and interest may change, as shown in the figure below

5. Select the reason for closing the ant borrowing, and click to confirm the closure to close it, as shown in the figure below

If you can only borrow it, it is recommended that the customer quickly check the reason. This situation is likely to be due to the previous bad behavior, such as overdue, which damaged personal credit, resulting in the borrowing being temporarily frozen by the system, so the customer cannot borrow and can only repay the loan.

In this regard, customers can only take good care of credit, if there is still overdue arrears that have not been paid off, they should quickly find a way to pay off the arrears, and then patiently improve their personal credit. After the credit is improved, perhaps the system will unfreeze the loan, and the customer can continue to borrow.

Of course, it is also possible that the customer's profile information has expired and cannot be borrowed again. In this regard, customers can update their personal identification information, and then try to take a look at it, and maybe they can borrow it. Sometimes it may be that the customer is too indebted, and the system refuses to lend because it is worried that the customer's repayment ability is insufficient.

In this case, the customer can pay off the debt or repay part of it first, reducing the personal debt ratio before applying for a loan.

If the borrower can't be used and can only repay the loan, it means that the borrower is in a state of "only in but not out", and the account should be frozen by the system for risk control.

The reason for this is mostly due to the following reasons.

1. After borrowing the money, the borrower failed to repay the loan on time within the agreed repayment period, and there was an overdue situation, which was reported to the central bank for credit investigation by the system and submitted to Sesame Credit, resulting in damage to personal credit and a decline in Sesame credit score (and if Huabei and Alipay reserve funds are overdue, it may also indirectly affect the borrowing).

2. I have applied for multiple loans on the borrowing, but many of them have not been paid off, and the unpaid loans exceed 50 (there are regulations on borrowing, and the loans used at the same time cannot exceed 50).

3. Due to bad behaviors such as frequently changing equipment logins, always changing mobile phone numbers, changing bank cards, modifying account information, or risky operations such as illegal cash-out and score swiping, the account risk has increased, and the system has implemented risk control.

4. The background system is being maintained and upgraded, so the borrowing channel is temporarily closed.

Online loan big data is a third-party credit inquiry system for lending institutions. It uses big data technology to integrate the loan records of various online lending platforms. Using the "Xiaoqi Xincha" query, you can clearly understand your problems in online loan big data.

It can solve the problems of online loan big data accurately, completely and in a timely manner.

Extended information: What should I do if Alipay borrowing does not have a trembling degree?

Alipay borrowing does not have a quota, you can maintain a good credit history in daily life and do not overdue, and then use more Alipay business to show your economic strength, which can improve the score in the system evaluation and help open the quota.

It is worth noting that the borrowed quota can not be actively applied for opening, and if you want to get the quota, you can only pass the review of the system.

If Yinshanguo finds that there is an overdue record, it will be more difficult to successfully open the quota.

If the quota is successfully opened, the lender must maintain a good record of borrowing and repaying after applying, and do not overdue, once it is overdue, it will affect the personal credit investigation, and at the same time, it will be charged a large amount of penalty interest by the platform, and it will be more difficult to use the loan or apply for other loans in the future.