When will Huabei close, and how long will it take for Huabei to close and open again

For many people, due to the need for a certain income threshold to apply for a credit card, many college students are completely unable to apply. Credit cards are difficult to apply, but Huabei is completely different, it can be said that Alipay has opened up many markets with Huabei. Let's ask, how many college students in school have not used Huabei?

However, spending money is cool for a while, and paying back money is worrying to death. According to the public debt data, Huabei has made many college students who are not yet working into "debtors". All kinds of the latest electronic devices, lipstick cosmetics that girls love, the double eleven that has just passed, spending money makes people feel happy for a while, but for most people, especially contemporary college students, because they have no fixed income, they have become a debtor at a young age.

Huabei may not be available? Young man, are you panicking?

According to relevant data reports, the per capita debt of China's post-90s generation has reached a high level of 120,000 yuan.

Clearly, all sectors of society have taken note of this phenomenon. Recently, the China Banking and Insurance Regulatory Commission (CBIRC) and the People's Bank of China issued the Interim Measures for the Administration of Online Small Loan Business (Draft for Comments) for public comment, in which the cross-regional business, requirements and registration of traffic platforms for online small loans were suspended.

1. It clarifies the proportion of joint loan contributions, clarifies the upper limit of the balance of a single-family loan of 1 million, restricts the number of holding online small loan companies, and increases the capital requirements.

Huabei may not be available? Young man, are you panicking?

In addition, according to the content of the new regulations, there are also strict requirements for the loan amount, which mentions that the platform needs to borrow according to the actual situation of the borrower, and the total loan amount cannot exceed 300,000 yuan, and the other point is that it cannot exceed one-third of the borrower's average annual income in 3 years.

It can be said that the threshold for future lending, will be higher and higher, will become more and more strict, in addition to lending, this year the state vigorously controls the P2P industry, at present, the domestic P2P companies are only left with the last 3, and these 3 companies, I believe that the next will gradually transform.

Huabei may not be available? Young man, are you panicking?

The state has taken action, which is naturally a good thing, we have begun to be more standardized and formalized, but for young people who are accustomed to large consumption, once the pass of Huabei is closed, it is difficult to move from luxury to thrift, what should we do next?

What do you think about the state's ** regulation of credit? What are your thoughts? Feel free to follow the discussion.

Rongxiang Industry Alliance, an intelligent link industry platform.

After Huabei is closed, there is no time limit for reopening.

For example, if a user accidentally closes Huabei, he can immediately apply to reopen Huabei. However, whether Huabei can be opened is determined by system evaluation, and manual intervention cannot be done with the result. For users with good credit, the chance of successful opening will be greater after Huabei is closed.

If you have bad credit, please accumulate a good credit history before applying for activation.

In addition, the bills before Huabei is closed cannot be queried, and even if it is reopened, it cannot be checked.

Huabei will be forced to close, Huabei can be closed by the system or manually closed by the user, if the user manually closes, all the arrears of Huabei need to be paid off first. As long as the user has serious violations, such as not paying back the arrears for a long time, and often making false transactions to withdraw cash, even if the user's account still has Huabei arrears, the system will be forced to close. However, the forced closure of Huabei does not mean that there is no need to repay, the system will still automatically deduct the repayment on the repayment date, or the user will repay the loan manually.

The path to close Huabei is as follows:

It should be noted that before closing Huabei, it is necessary to settle all the arrears of Huabei, and if there is a transaction that has not confirmed the receipt, it will be closed after the receipt and repayment are confirmed. In addition, after Huabei is closed, whether it can be opened again will be evaluated by the system, and the previous bill cannot be queried, please be cautious.

Extended Material: Why is Huabei closed?

1. Huabei will not be repaid after the deadline.

Huabei is the same as a credit card, after the overdraft, it needs to be paid off in full on the repayment date before the user can enjoy the interest-free rights.

The repayment date of Huabei is generally fixed, on the 9th or 10th of each month, and the repayment date cannot be modified. If Huabei is overdue for 20 days and has not been paid off (the repayment amount is less than the minimum repayment amount, and no installment has been applied), Alipay will collect it in the form of **, if the collection is fruitless, then, yours will be blocked, and Huabei will be permanently closed.

Second, there are long-term problems with security.

Although Alipay is a third-party payment platform, it also has financial functions such as wealth management and deposits.

Although Alipay provides account security insurance, Alipay is not a "charity", and there are unreasonable situations in account security, which can only block you. In this case, your Huabei, borrowing, etc. will naturally not be used.

Operating environment: brand model: Huawei P30

System version: harmonyOS

Software version: Alipay.

Generally speaking, if Huabei is closed by itself, it can be opened immediately, but it may be necessary to wait a few days before trying to reopen or wait until the next month to open it.

If it is closed because it is overdue, if the overdue is not serious, Huabei can be reused in the next billing month after the bill is basically paid off. If it is overdue for a month or even several months, it is more difficult to open it for the second time, as short as half a year or as long as one year, and the system will re-evaluate the account to determine whether it is eligible to be opened.