Is it reliable to negotiate the repayment of mobile phone loans and only repay the principal, repay

I don't think it's reliable. Generally, the principal and interest are repaid together, and you transfer to the corporate account.

And then close the account, there may be a little risk. It is better to handle the loan according to the normal process.

Extended Materials

Based on the report of the investigators, the examiners shall review and assess the qualifications of the lenders, re-test the risk degree of the loan, put forward opinions, and approve or report to the superior for approval according to the prescribed authority. After the loan is approved, the loan is negotiated with the lender on the loan quantity, term, interest rate, etc., and the loan contract is signed, and then the loan instruction is issued.

After the loan is disbursed, in order to ensure that the loan can be recovered on time, the bank will organize inspectors to conduct regular or irregular investigations on the borrower's business and financial status, and pay attention to the use of the funds to prevent moral hazard.

If the lender fails to repay the principal and interest on time, the bank has the right to take sanctions, or take legal action.

Recover principal and interest to maintain the safety of credit funds.

Loan procedures: 1. Application for loans. The borrower applies for a loan to a local bank. In addition to applying for rural micro-loans, relevant information is required for other types of loans.

Basic information of the borrower and guarantor;

The financial report of the previous year approved by the financial department or accounting (auditing) firm.

and financial statements for the period prior to the loan application;

Correction of the original unreasonable occupation of the loan;

List of collateral and pledges, proof of consent of the person with the right of disposition to mortgage or pledge, and relevant proof of the guarantor's intention to agree to the guarantee;

Project proposals.

and feasibility reports;

Other relevant information that the bank deems necessary to provide.

2. Credit rating.

Assess. The bank assesses the borrower's credit rating.

3. Loan investigation. The bank investigates the legitimacy, safety, profitability and other circumstances of the borrower.

4. Loan approval. The bank has a loan management system that separates the examination and approval of loans at different levels.

Proceed with loan approval.

5. Sign the contract. The bank signs a loan contract with the borrower.

6. Loan disbursement. The bank shall disburse the loan on time in accordance with the provisions of the loan contract.

7. Post-loan inspection. The bank conducts follow-up investigation and inspection of the borrower's execution of the loan contract and the borrower's business situation.

8. Loan repayment. When the loan expires, the borrower shall repay the principal and interest of the loan in full and on time, and if the loan is to be extended, the borrower shall apply to the bank for the extension of the loan before the maturity date of the loan.

It is up to the bank to decide whether to extend the application period.

In the past, I also borrowed money from my mobile phone loan and overdue it, and I repaid it in my corporate account, and my account was closed in a few days.

You can get his bank card charged. It is the bank card you are borrowing, which can only be used in a general account, and cannot be deducted by individuals.

I also encountered that at that time, it was the collection staff in Changsha who gave me a reduction and exemption, so that I could repay the 15-figure Zhaolian financial account, and the arrears in the account were cleared in about a week, which is reliable.

I think it's reliable, after all, there is this provision in the policy of Paipai Loan, and it can only be repaid to the public account, which is worth believing.

It's still not very reliable, because if you don't repay on that platform, it's likely to be some **, so it's still necessary to be cautious.

This is unreliable, I feel that there is still a certain risk, and I feel that the safety factor is not high.

It depends. If you are an individual who negotiates repayment with you, this situation is generally unreliable because an employee or individual does not have the right to discuss repayment with you. If an employee negotiates repayment with you on behalf of the company, you need the other party to provide supporting materials that can prove the relevant relationship, so that the negotiated repayment has a certain degree of credibility.

Negotiated repayment generally occurs after a significant overdue date. The person proposing to negotiate repayment needs to be qualified.

It is more reliable to negotiate loan repayment, and you must fulfill your own negotiation agreement.

Reliable, at least there is no collection to collect, you can work with peace of mind, and your mood is not so depressed. Negotiated repayment, personalized installment, interest-free card suspension, equivalent to interest-free loans. Therefore, when your credit card is overdue, we still negotiate with the bank to repay the loan as soon as possible, so as not to miss the ** time.

Yes, even if you can't borrow money on borrowing, is it reliable to help negotiate an interest-free extension online?

**There's no such thing as a free lunch.

A deposit is required to ask questions.

After asking the question and paying the money, she helped to borrow from Alipay and negotiate with Huabei for interest-free deferred repayment, which is equivalent to me paying, and they asked Alipay to negotiate interest-free deferred repayment.

Question: Can I apply for a deferment of repayment?

Answer: Borrowing does not support the application for deferred repayment, it is recommended that you repay the loan on time to avoid the impact of overdue on your use. Penalty interest will be charged on time for overdue borrowing, and penalty interest will be charged at the normal interest rate from the date of overdue, and it is not supported to be fooled again.

Question: I called ** to customer service today, and they said that they need to provide a poverty certificate or an unemployment certificate that can be extended for one month, but I can't provide these information, is there any way to solve it?

Don't believe it anymore, ** is pervasive.

Borrow some from your family.

Negotiation of loan repayment is reliable, generally only the principal is required to repay the loan, and no interest is required.

This situation is unreliable, and when repaying the loan, you should still find some professional brands and repay the loan in time according to the specified time.

Check whether the corporate account for repayment is the name and account number of Home Credit Company, and if it is directly repaid to their company, there should be no problem with writing the corresponding services and payers.

As long as your loan has not been repaid, then you can negotiate with the person with the loan to deal with the requirements, and if you repay the principal, you can also do it, and then sign the settlement certificate.

Yes, the loan is overdue for a long time, and the principal will be repaid through negotiation in order to stop the loss, and it is still more reliable to hit the public account, but they must give you a settlement certificate.

If the Home Credit online loan platform requires you to pay the amount you owe, it is best to ask the other party to issue the corresponding written documents, if there are corresponding written documents, you can repay the loan, but you must keep the repayment voucher.

This is generally true because when the user really has a repayment problemPing An and inclusiveSo-called special measures will indeed be introduced.

Ping An Puhui is one of the few formal online loan products on the market, and if you are communicating with Ping An Puhui staff, negotiating repayment can indeed alleviate the borrower's repayment pressure and achieve positive repayment. Regarding the question you asked, I will answer it in detail from the following points.

Ping An Puhui's loan process is relatively formal.

Compared with most online loan products, Ping An Puhui's process is indeed relatively formal, and it is also very reliable. For those users who have short-term problems in the capital chain, they can apply for Ping An Puhui to achieve short-term cash flow relief.

The role of the problem. In general, we can understand Ping An Puhui as a microcredit loan, which does not require any collateral. This is a loan product with a relatively low threshold, but at the same time, the annualized interest rate.

It is also relatively high. <>

Ping An Puhui's negotiated repayment is very formal.

As I mentioned above, if you have communicated with the staff of Ping An Puhui and reached an agreement to negotiate the repayment, you only need to repay the loan according to the negotiated repayment amount. After repayment, you need to apply for a settlement certificate from the staff of Ping An Puhui to avoid subsequent disagreements due to differences in the repayment amount

You need to make a comprehensive assessment of your ability to repay.

In most cases, I don't recommend that you take the initiative to apply for online loan products like Ping An Puhui, because the annualized interest rates of these products are very high, far exceeding the annualized composite interest rate of credit cards. When a person's cash flow has problems, the best way is to live within their means and further alleviate the problem by opening up sources and reducing expenses, rather than tearing down the east wall and making up for the west wall by borrowing online loans, because applying for online loans is likely to put yourself in the quagmire of debt. <>

To sum up, Ping An Puhui's negotiated repayment is indeed true, and it is not recommended that you continue to apply for online loan products.

Ping An Puhui can indeed negotiate repayment, but if you only want to repay the principal, it will be more difficult and impossible to achieve, and it still has many restrictions to repay only the principal.

This is not true, and while repayment can be negotiated, it is unlikely that you want to repay only the principal.

It is indeed true, because this company is very humane, and it can also protect our interests, so there are many people who want to go to this company to handle some business.

Your kind of blue-collar loan should be a private online micro-loan; The interest rate is high, which is a kind of illegal platform, and they are good at routines; There is no ability to revoke personal negative records, or credit records, blacklists, etc.

If you pay it back, it won't eliminate the negative record for you, it's better to wait 5 years and the negative record will be automatically refreshed. When the time comes, it will be gone.

Repayment of the principal can only say that their company has revoked your blacklist, if it is on the credit report, it will be automatically revoked after 5 years, and it will not be changed if you are on the credit report.

The underworld snobbery and usury, tried to repay the principal to no avail, and directly reported the case to the public security organs.

Ignore him, usury, now all dead.

Needless to say? You owe money again.

If your loan is on the credit report, ask him how much the fee is? What is the total? Whether the part paid in the previous period is deducted from the principal. The key is to sign a settlement agreement that requires the other party to commit to expungement of the non-performing loan record.

If the loan is not on the credit report, it depends on your mood. Except for harassing you from time to time, it doesn't have much of an effect on you.

Just pay back 1000, you don't have to pay it back for anything else, but it's easy to trick you.