What should I do if I can t pay it back, can I not pay it back?

Ease flowers. It is a formal lending platform that connects with the central bank's credit system.

The money must be repaid, and it will not affect the credit investigation. The maximum loan amount of Anyihua is about 50,000 yuan, which is actually not very high. In case of illness, bankruptcy and other special circumstances, it is recommended to take the initiative to contact customer service to negotiate repayment to see if you can repay only the principal or repay the arrears in installments.

1. It is recommended that the debtor do the following: [1] Take the initiative to communicate. Expecting that he will not be able to pay back for the time being, he will actively cooperate with him first.

Yihua customer service communicates and promises to repay in installments; [2] Don't run away from debts. Under the premise of extenuating circumstances, An Yihua may not agree to repay the loan in installments, if it maliciously avoids debts, it will affect the credit investigation and outweigh the losses; [3] Maintain a good attitude. A person's life is long, and if you work hard and earn money actively, you can pay off your debts as soon as possible.

2. To sum up, if you owe money to Anyihua and cannot repay it, it is best to take the initiative to communicate with Anyihua's customer service to negotiate a repayment plan to see if you can only repay the principal or repay in installments, do not avoid avoiding debts, and maintain a good attitude to earn money and repay as soon as possible, so as not to affect your credit life in the future.

If the two methods cannot be repaid, it is recommended to ask the customer service of the Anyihua app, explain the situation to the customer service, and apply for a postponement of repayment. It should be noted that the consequences of overdue repayment are serious, and there will be penalties for high interest and liquidated damages.

Those who are seriously overdue will be taken to court, and borrowers should develop the habit of repaying in a timely manner.

4. If you owe the loan and do not repay it, the bank will ask you to give the loan, and you may claim interest if it is overdue.

If the bank demands repayment and you still do not repay, then the bank will sue the people's court through legal means and order you to repay. If you still don't pay it back after the judgment, the bank can apply to enforce your property to repay the money. In cases where there is capacity but refusal to enforce the judgment, it is suspected of the crime of refusing to enforce the judgment or ruling.

Depending on the gravity of the situation of the Criminal Code.

Article 313:[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 fine is to be given.

If you keep defaulting on your loan, your credit history will also be on your record, and the possibility of borrowing in the future is slim.

If you are unable to repay your loan on time, you should first calmly analyze your financial situation and make a repayment plan to minimize overdue interest and penalties. At the same time, you can contact the lending platform to negotiate a plan for deferring repayment or repayment in installments.

If you have overdue your repayment, the lending platform may take some collection measures, so please be sure to maintain communication and contact and try your best to negotiate a solution. The term "cyber black" generally refers to users who do not repay on time, or have bad behaviors, and it is easy to be included in the cyber black, and to judge whether they are cyber black, you can check it in "Xiaoqi Xincha".

In short, no matter when and where, repayment is the incumbent responsibility of the borrower, and it is recommended that the borrower borrow prudently and do what he can to avoid unnecessary financial pressure and risks. Hope the above information helps.

You can't leave it unpaid.

The repayment date of Anyihua is different from other borrowing platforms, and the repayment date of Anyihua is the date when the user applies for the arrival of Anyihua, for example, if Anyihua is applied for on May 25, then the 25th of the next month is the repayment date of Anyihua.

Anyihua users will be recorded on the credit report if they are overdue for more than three daysAs long as there is an overdue record on the credit report, it will affect the review of future bank loans or other online lending platforms. It is recommended that Anyihua users repay the loan in a timely manner and maintain a good repayment record.

There are two ways to repay the loan.

1. Automatic repayment. Automatic repayment requires sufficient funds to be left in the bound repayment bank card, and the repayment date will be automatically deducted. It should be noted that the repayment bank card needs to have sufficient funds on the day before the repayment date, and the funds transferred on the day of repayment will not be automatically deducted.

2. The user takes the initiative to repay. Anyihua users can enter the Anyihua life account to repay the loan independently, and only daily interest will be charged.

If the user is unable to repay the loan in full on the repayment date, he or she can choose to postpone the repayment by repaying the minimum repayment, which is composed of 10% of the principal and interest of the current repayment amount plus handling fee and penalty interest. As long as the repayment is minimum, the repayment time can be delayed without affecting the creditworthiness, so that the repayment can be made as soon as possible through the flow of funds to avoid overdue.

Answer: First of all, the borrower should have the attitude of repaying the debt on time, and the overdue grace period is only a delay and not a solution. Generally speaking, Anyihua will give each user a grace period of 3 days for repayment, and some users with excellent credit qualifications will have a longer grace period. After the grace period for repayment, the overdue information will be uploaded to the central bank for credit.

Secondly, overdue fees are charged, and overdue fees are proportional to the number of overdue days and overdue amounts. It is recommended to fulfill the repayment obligations on time and maintain a good repayment record so as not to affect the next borrowing.

In summary, Anyihua has a 3-day grace period for repayment, and it is generally possible to repay the loan for 3 days after the deadline, but an additional penalty interest will be charged on top of the overdue principal every day until it is overdue. It is best for the borrower to repay the loan on time, so as not to lose more money or even affect the credit report.

Anyihua is a loan with a strong penalty for overdue, and most people cannot afford the consequences of overdue. The consequences of overdue are as follows: because Anyihua is a formal consumer finance loan, it will report the bad record of the debtor to the central bank for credit.

Therefore, those who do not repay the loan in Anyi will inevitably have a stain on their credit information, and then become an Internet black. As a credit black, it will be rejected by all formal financial institutions. If the debtor still does not repay the debt after getting the court judgment, then it will be included in the list of dishonest persons by the law.

There are many clear punishments for the lai, which makes it difficult for the laid-back to move an inch in society.

You're so naïve.

Wouldn't someone else have a measure?

Don't let your purpose be achieved?

If you refuse to repay the loan, there must be a way for others to force you.

Otherwise, shouldn't others drink the northwest wind?

This is owned by Immediate Finance, and it is the credit investigation of the People's Bank of China, and it is best to return it, so as not to have a negative impact on your own credit investigation.

As long as you want, you can go up to the credit report.

If you don't return the flowers, the possible consequences are as follows:

1.Adverse impact on personal credit records:

The institution is approved by the China Banking and Insurance Regulatory Commission (CBIRC) and is connected to the central bank's credit database, and the bad credit records will be uploaded to the database in a timely manner, which will have an impact on credit reporting.

2.Late fees apply:

Penalty interest will be calculated from the date of overdue until the debtor pays off the arrears. The penalty interest of Anyihua is generally multiplied by the normal interest rate.

3.In the future, the difficulty of handling credit business will increase

Once the credit investigation is tainted, it will not only be difficult to continue to handle loans and other businesses in Anyihua in the future; At the same time, users who apply for credit cards and loans from other financial institutions will also be adversely affected.

The possible outcomes are as follows:1Adverse effects on personal credit history:

Owned by Instant Consumer Finance, An Yihua is an institution approved by the China Banking and Insurance Regulatory Commission and linked to the central bank's credit database. Bad credit records will be uploaded to the database in a timely manner, affecting credit reporting. 2.

Late fees need to be paid: penalty interest is calculated from the date of overdue until the debtor pays off the arrears. The penalty interest rate for comfort flowers is usually multiplied by the normal interest rate.

3.In the future, it will be more difficult to handle credit business: once the credit investigation is tainted, it will not only be difficult to continue to handle loans and other businesses in Anyihua in the future; At the same time, users who go to other financial institutions to apply for credit cards and loans will also be adversely affected.

Extended Information: 1Anyihua is a turnaround line financial service application software launched by consumer finance.

On June 3, 2020, the Internet Finance Association of China issued the "Announcement on the Real-name Registration List of Mobile Financial Client Application Software (First Batch)", and the core consumer finance product "Anyihua" was successfully selected. So far, Instant Finance has become the first batch of licensed consumer financial institutions to complete the filing of mobile financial clients. 2.

Anyihua [1] is a turnover line financial service application launched by Instant Consumer Finance****, software MB, which has been developed at present; According to the user's credit qualification, Anyihua provides a turnover limit of up to 50,000 yuan. Within the credit line, users can choose to use cash loan and repayment, cash installment, interest-free consumption, bill installment and other services. On June 15, the Consumer Rights Protection Bureau of the China Banking Regulatory Commission (CBRC) notified that consumer finance companies immediately infringed on the legitimate rights and interests of consumers.

According to the report, the promotion of the "Anyihua" APP is exaggerated and misleading, and there is a promotional expression of "ultra-low interest rate" on the homepage. Take the loan test of an Aehua app as an example. The loan is co-financed by instant cash withdrawal and the bank, and underwritten by the insurance company.

The entire loan application process was not informed in advance of the cost of taking out personal guarantee insurance, and the key insurance terms were not prompted and explained. 4.Adhering to the mission of "making life simpler", Instant Finance is user-centric and inclusive finance as the core, and is committed to becoming a trustworthy financial service provider through technology empowerment and innovation, providing small, decentralized consumer financial services for all social classes and groups in need of financial services.

The company actively contributes to consumption upgrading, stimulates domestic demand, serves the development of the real economy, and continuously makes positive contributions to local taxation, employment and other economic and social development. 5.As a technology-driven financial institution, Instant Finance selects high-tech talents in the fields of finance, big data, and artificial intelligence around the world, and has established a technical team of more than 1,000 people and a big data risk control team of more than 300 people.

It has successively built internal research platforms such as the Institute of Artificial Intelligence, the Postdoctoral Research Center, the Smart Finance, and the Big Data Analysis Laboratory, and jointly established the National Center for Applied Mathematics with the Chinese Academy of Sciences, Chongqing Normal University and other scientific research institutes to carry out horizontal research and continuously improve the ability of industry-university-research collaboration.

If you don't return the flowers, the possible consequences are as follows:1Personal credit reporting.

Adverse effects recorded: Anyihua is owned by Immediate Consumer Finance, which is owned by the China Banking and Insurance Regulatory Commission.

approved the establishment, with the Central Bank.

If there is a connection to the credit database, the bad credit record will be uploaded to the database in a timely manner, which will have an impact on the credit investigation.

2.Late fees need to be paid: Penalty interest will be calculated from the date of overdue until the debtor pays off the arrears. The penalty interest of Anyihua is generally multiplied by the normal interest rate.

3.In the future, the difficulty of handling credit business will increase: once the credit investigation is tainted, it will not only be difficult to continue to handle loans and other businesses in Anyihua in the future; At the same time, users who apply for credit cards and loans from other financial institutions will also be adversely affected.

Extended information: 1. An Yihua is a consumer finance share ****.

Launched a revolving line financial services application.

On June 3, 2020, the Internet Finance Association of China released the "Announcement of the List of Real-name Filing of Mobile Financial Client Application Software (First Batch)", and the core product of consumer finance "Anyihua" was successfully selected. So far, Instant Finance has become the first batch of licensed consumer financial institutions to complete the filing of mobile financial clients.

2. Anyihua [1] is a revolving line financial service application launched by Consumer Finance Co., Ltd. ****, the software MB, and the version has been developed; According to the user's credit qualification, Anyihua provides a revolving line of up to 50,000 yuan. Within the credit line, users can choose to use cash borrowing and repayment, cash installment, interest-free consumption, bill installment and other services.

On June 15, the Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission (CBIRC) notified that a consumer finance company had infringed upon the legitimate rights and interests of consumers. According to the report, the promotion of the "Anyihua" APP is exaggerated and misleading, and there is a "ultra-low interest rate" promotional expression on the homepage. For example, the loan was jointly financed by the company and underwritten by the insurance company, and the entire loan application process did not inform the cost of applying for personal guarantee insurance in advance, nor did it prompt or explain the key insurance terms.

4. Adhering to the mission of "making life easier", Immediate Finance is user-centered and focuses on inclusive finance.

Through technology empowerment and innovation, we focus on building a trusted financial service provider and providing small and decentralized consumer financial services for all social strata and groups with financial service needs. The company actively contributes to consumption upgrading, stimulates domestic demand and serves the development of the real economy, and continues to make positive contributions to economic and social development such as local taxation and employment.

5. As a technology-driven financial institution, Immediate Finance selects high-end talents in the fields of finance, big data and artificial intelligence around the world, and has set up a technical team of more than 1,000 people, a big data risk control team of more than 300 people, and has successively established an artificial intelligence research institute and a postdoctoral research workstation.

Smart finance and big data analysis.

The laboratory and other internal scientific research platforms are also in cooperation with the Chinese Academy of Sciences and Chongqing Normal University.

and other scientific research institutions to jointly build a national center for applied mathematics, carry out horizontal research, and continuously improve production, education and research.

Ability to collaborate.