Can Haier Consumer Finance negotiate repayment?

Haier Consumer Finance is a consumer finance company designed by Haier Group, Haier Finance Company, Red Star Macalline and other enterprises, and is the first national consumer finance company approved by the China Banking Regulatory Commission. Therefore, the formality of Haier's consumer finance is very high, and you don't have to worry about security.

Haier Consumer Finance's loan products mainly include Hi Pay, Enough Money, Scene Installment, etc. The general situation of the product is as follows:

1. Hipay can provide a loan of up to 200,000 yuan for families aged 18-60, and new users can also enjoy interest-free services from the daily interest rate of the loan.

2. Enough to spend mainly provides loan services for young white-collar workers aged 18-40, with a maximum loan amount of 200,000 yuan and no unknown fees.

3. Scene staging mainly provides you with large-amount consumption installments, involving scenarios such as home, home appliances, decoration, education, etc.

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (formerly known as: Youqianhua, renamed "Qianhua" in June 2018), a big brand with reliable and low interest rates. There is money to spend - full easy loan, the maximum amount of borrowing is 200,000, and the daily interest rate is as low as low.

It has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements. 1. Age requirements:

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply. Online loans are risky, so you need to be cautious in your choice!

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (formerly known as: Youqianhua, renamed "Qianhua" in June 2018), a big brand with reliable and low interest rates. There is money to spend - full easy loan, the maximum amount of borrowing is 200,000, and the daily interest rate is as low as low.

OK. In Haier Consumer Finance Office.

If the loan is not clear, the customer can contact customer service to negotiate repayment and call ****400 directly

018-7777 (customer service hours are from 9 a.m. to 17:30 p.m.) Since Haier Consumer Finance itself does not provide a grace period for repayment, customers should make it clear that they do not have the ability to repay when negotiating with customer service, and it is best to provide certain supporting materials (such as proof of termination of labor contract).

unemployment certificate, etc.), then you need to express your sincere intention to repay the loan, and finally try to apply for an extension of the repayment period and repay the arrears in installments.

In this regard, Haier Consumer Finance will consider at its discretion that if the customer does not deliberately fail to repay the loan within the time limit, it is indeed unable to repay, then Haier Consumer Finance may agree to the customer's request for an extension in order to recover the money as soon as possible. Of course, if it is found that the customer is still able to repay, most of them will refuse. In fact, customers can also find other ways to repay the loan, for example, they can try to borrow money from close family and friends to repay it, pay off the loan first, and then pay it back to relatives and friends when they have money.

Serve. 2. Finance is a Chinese word.

Finance refers to economic activities such as the issuance, circulation and withdrawal of currency, the issuance and recovery of loans, the deposit and withdrawal of deposits, and the exchange of foreign exchange.

Finance is the reintegration of existing resources to achieve the equivalent circulation of value and profits. (The technical saying is that the process of implementing from savings to investment can be understood in a narrow sense as a dynamic monetary economics of finance.) ）

3. It refers to economic activities such as the issuance, circulation and withdrawal of currency, the issuance and recovery of loans, the deposit and withdrawal of deposits, and the exchange of foreign exchange.

Operating environment: Apple 12, iOS 14, Haier consumer finance version.

Hello, if you are in need of money, you can consider taking out a loan to relieve stress, and at the same time, you should also do what you can and work hard to make money. Now there are many ways to apply for a loan, you can apply for a bank loan through a mortgage, and a more convenient way is to apply for a personal credit loan. There are online loan platforms with high credibility and fast audit(It is recommended to collect it in case you need it).

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The brand plan of Paipai to help young people work hard and grow, including the Paipai Thousands of People Fighting Hard** and Young Plan, etc., and the borrowing services of the Paipai platform include general loans and other loans for the majority of individual users, with a maximum loan amount of 180,000 yuan(Click on the official link to receive the benefit test quota)., the lending process has been highly automated; The cumulative number of registered users has exceeded 100 million. It is a loan matching service platform chosen by many users in China.

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Haier consumer finance loans overdue will not have the following consequences:

1. Sued to court. Haier Consumer Finance is a formal financial institution with its own legal department. For those who fail to repay overdue loans, Haier Consumer Finance will sue them to the court and ask the court to make a judgment.

After the court has made a judgment, if the debtor refuses to enforce it, then the court can enforce it.

It is also possible to include debtors in the list of dishonest persons to restrict many behaviors of debtors and their children.

2. Arrested by the public security organs. For those who deceive in the process of applying for loans, use informal means to obtain loans, and fail to repay them, it is likely to be involved in the crime of loan fraud. Once Haier Consumer Finance finds the corresponding evidence, it will report the case to the public security organ and arrest and sentence the arrears.

Haier Consumer Finance was established in December 2014 with a registered capital of 1 billion yuan. by Haier Group.

Haier Finance Company, Red Star Macalline.

Greentown E-commerce and China Youzan (formerly "China Innovative Payment") were jointly initiated and established, which is the first to be approved by the China Banking and Insurance Regulatory Commission after China expanded the pilot scope of consumer finance companies.

It is a national consumer finance company approved for operation, and the first consumer finance company in China that combines industry and finance initiated and established by the industry. It is the only licensed consumer financial institution in Shandong Province.

Overdue Haier consumer finance loans will lead to the following consequences:

1. Damaged credit history: Overdue will not damage your credit history. Banks and other financial institutions look at an individual's credit history when reviewing a loan, and a bad credit history can adversely affect your future loan applications.

Therefore, timely repayment of loans is an important measure to protect personal credit.

2. Interest and penalties: Late repayment will incur interest and penalties. Late repayment will result in the accumulation of additional interest and penalties, increasing the burden and financial pressure.

3. Collection and legal proceedings: After overdue repayment, financial institutions may take collection measures, including ** collection, SMS reminder, door-to-door collection, etc. If the default period is long and the willingness to repay is not clear, the financial institution may take legal measures to recover, including filing a lawsuit or applying to the court for compulsory enforcement.

4. Affect personal loan ability: Failure to repay after due date may have a negative impact on an individual's future loan application. Financial institutions will consider the individual's repayment ability and credit history when reviewing the loan, and overdue will also lower the individual's credit rating and increase the difficulty of future loans.

In summary, overdue Haier consumer finance loans will not adversely affect individuals, including damage to credit history, additional costs, collection and legal proceedings, and impact on personal loan ability. Therefore, it is advisable to plan for repayment in advance to ensure that you repay your loans on time and maintain a good credit history.

If the borrower receives a text message that has been sued by Haier Consumer Finance, then remind everyone to pay attention, you can first go to the relevant law firm to check whether there are any related cases, and then you must know that if you are really sued, you will receive a notice from the relevant court**. After this series of verifications, if it is found to be true, then it is recommended to negotiate with the lender and then take the initiative to repay.

However, if the return to Bibang has not received the relevant **, then you have to pay attention, because generally speaking, the repayment company invited by the lending agency will make corresponding reminders according to the severity of the borrower's overdue in the process of dunning, and the severity of the overdue loan is also indicated to a certain extent, so it is recommended that the borrower repay the loan quickly.

And for users who fail to repay Haier's consumer finance loans overdue, the following impacts may be caused:

1. Corresponding overdue fees: Overdue fees include late fees, liquidated damages, penalty interest, etc., which can be seen in the loan contract.

2. Report credit information: The company will report the overdue negative records to the credit information system. Huisen.

3. Restriction on the use of the product: It may affect the use of the product, and timely repayment may not be restored.

It's good to talk about it, and the question of "Is it okay to ignore Haier's consumer finance lawsuit" is here, I hope there is.

1. If the inability to repay will face the consequences of the court, it is recommended to actively negotiate with the creditor to strive for a delay in repayment. Creditors will also sue you and then apply for enforcement of your property.

2. In cases where there is the ability to do so but refusal to do so, suspected of the crime of refusing to enforce a judgment or ruling Article 313 of the Criminal Law [Crime of Refusing to Enforce a Judgment or Ruling] Where a people's court has the ability to enforce a judgment or ruling but refuses to do so, and the circumstances are serious, a sentence of up to three years imprisonment, short-term detention, or a criminal punishment is to be given.

3. If there is no property in his name that can be executed and he refuses to perform the effective judgment of the court, there will be negative information such as overdue repayment recorded in the individual's credit report, and he will be restricted from high consumption and entry and exit, and may even be subject to judicial detention.

Haier Consumer Finance was sued and could negotiate repayment. If it is difficult to turn over the repayment funds due to special circumstances in the process of the loan, and the manuscript shed needs to negotiate the repayment, then the user can try two negotiation methods online and offline, as follows:

2.Offline negotiation: If the loan is made offline, it needs to be seen whether it is an institutional loan or an institutional loan, and negotiate with the lending institution after figuring it out.

Haier Consumer Finance sues the user, if the user ignores it directly, then it will receive a summons from the court, and the user will not be able to make an immediate judgment if he does not participate, so after the lawsuit, the user is best to negotiate with Haier Consumer Finance, and if the negotiation is successful, Haier Consumer Finance will withdraw the case, and if the appeal is to the court, the court will intervene, let each other negotiate first, and the court will make a judgment after the negotiation fails, and the court will rule that the user must lose the lawsuit, and the user still needs to settle the loan of Haier Consumer Finance in the future.

Haier Consumer Finance has a three-day repayment period, and after the repayment date, the state will close for 1 to 3 days as the repayment period, and the repayment during this period will still be counted as the user's normal repayment. Haier Consumer Finance is a consumer finance company founded by Haier Group Company, a consumer credit company established with the approval of the China Banking Regulatory Commission, a legal and formal financial institution, and one of the online lending platforms specializing in providing loan services to users.

Legal basis

Civil Procedure Law of the People's Republic of China

Article 96: People's courts hearing civil cases are to distinguish right from wrong and conduct mediation on the basis of the parties' voluntariness and on the basis of clear facts.

Article 97: People's courts conducting mediation may be presided over by a single adjudicator, or may be presided over by a collegial panel, and are to be conducted on the spot as much as possible. People's courts conducting mediation may notify the parties and witnesses to appear in court in a simplified manner.

Article 98: People's courts conducting mediation may invite relevant units and individuals to assist. Invited units and individuals shall assist the people's courts in conducting mediation.

Article 99: Reaching an agreement through mediation must be voluntary and must not be forced. The content of the mediation agreement must not contravene the provisions of the law.