What should I do if the temporary quota of Huabei is not paid when it expires Two ways to solve the

Huabei temporary quota can not be selected bill installment, in addition to the temporary limit in the use of the term of use, in the repayment is not much different from the fixed amount, if you are temporarily unable to repay the bill, you can apply for a bill installment in time, according to your actual situation can be divided into 3 installments, 6 installments, 9 installments and 12 installments, which can reduce the repayment pressure.

You can also choose the minimum repayment, in addition to the bill installment, you can also make the minimum repayment of the temporary amount of the bill, under normal circumstances, the minimum repayment amount is 10% of the total amount of the bill (excluding the handling fee), after the minimum repayment, the platform will include the remaining unpaid part in the next billing cycle, and the handling fee calculated on a daily basis, but it will not have any impact on the credit investigation.

Finally, you can also choose to try to negotiate with the platform, and if you encounter some special circumstances that lead to temporary inability to repay in time, you can apply for a postponement of repayment, and if the platform agrees to the application, you can fight for more repayment time for yourself, but the platform may not necessarily agree to the application in the end.

Generally, everyone who uses the central bank's credit records will leave traces of inquiry, which is more unfavorable for borrowing friends, and most of the online loans are not on the credit report, so the credit information can not find specific online loan information, but now you can also understand your personal data through the "small seven letter check", and you can learn more about online loan overdue information, application records, dishonesty information, online loan blacklist and other information without query records.

Extended Information: Can I repay the loan with Huabei?

Once the China Development Bank finds out that the loan is repaid with other credit products, it is likely to terminate the contract early and be required to repay it in a lump sum.

And Huabei itself does not support withdrawal, so it is not feasible to withdraw the Huabei quota first and then repay the student loan.

Also, the student loan Alipay exclusive cannot open Huabei.

You can rest assured that the student loan does not need to be repaid immediately, and the full interest will be discounted by the finance during the study period, and the repayment will start to be started after the student graduates, and there is a grace period for repayment of principal in the first five years, and the student only needs to repay the principal for the time being, and then start to repay the principal and interest after five years.

The loan repayment date is generally December 20 of each year (the last year is September 20), and the borrowing student only needs to deposit the money to be repaid into the repayment account five days in advance, and the system will automatically deduct the corresponding amount for repayment on the repayment date.

In terms of expenditure, according to their own conditions, make reasonable and planned expenditures on Huabei, which can not only solve the needs of life, but also free up excess funds to save.

On the contrary, Huabei's unplanned and unreasonable expenditure behavior seems to satisfy personal desires, but often many unknown situations will occur when repaying the loan in the later stage.

For example, after receiving the temporary quota of Huabei, because he only cares about the momentary desires in front of him, and does not take into account the problem of later repayment, he blindly spends and cannot pay it back after the temporary quota expires, so he is troubled by this.

What should I do if the temporary quota is not up when it expires?

After the temporary quota expires, it does not need to be repaid immediately, you can wait until the bill comes out and repay according to the bill. At the same time, in order to solve the repayment pressure of users, temporary quota bills can be repaid in installments or at the minimum.

For example, if the temporary quota expires on the 15th of this month, the used amount will be calculated into the bill on the 1st of the following month. You can repay the loan on your own repayment date, and there is a time difference in between.

Note: After the temporary quota expires, the used portion will cause the account to show a negative number, and the temporary quota will be paid off automatically and will be automatically restored.

How to repay the temporary amount in installments

The temporary quota bill is the same as the original bill, and the date is the same, after the No. 1 bill comes out, you can make installments, and the specific operation process is as follows: (my) - Huabei) - my bill) - installment repayment). At present, you can choose according to your own ability in installments.

Note: After the installment repayment, the previous installments are all the temporary quota that has been used, and the fixed amount will be repaid only after the repayment is completed.

Not yet the choice is the lowest

If you are unable to repay the loan in full, you can repay the minimumAfter the bill comes out, the minimum repayment amount will be displayed on the bill page and the minimum repayment can be made. This will avoid affecting personal credit.

Note: After the minimum payment, the remaining outstanding principal amount will be charged after the repayment date. At the same time in the next month will not be able to continue to the minimum.

If the account is temporarily used a lot, the account will be shown as a negative number, and the minimum repayment will be filled in first.

For example, the temporary quota of 4000 has been used up, and after expiration, the minimum repayment is 400, and the remaining negative account is 3600. If your repayment date is on the 10th, the remaining 3600 will be charged from the 11th. Until the next month's repayment date.

Ant Huabei is a credit product similar to a credit card, because it is advanced consumption, it must be repaid in time when it is time to repay, otherwise there will be serious consequences. Today, I will introduce the problem that Huabei's temporary quota cannot be repaid when it expires, and the main impacts are as follows.

1. The validity period of the temporary quota of Huabei.

Since it is a temporary quota, it means that it will not exist forever, and the Alipay system will give a certain temporary quota according to your consumer credit situation.

1. Expiration date. The validity period is different for each person, and you can check the specific validity period on the Huabei-Grindable Quota page.

2. Cancellation. Huabei temporary quota does not support cancellation, you can not use it, it will be automatically canceled after the validity period.

2. What should I do if the temporary quota of Huabei is not up when it expires?

1. Staging. Since the temporary quota of Huabei can be repaid in installments, it can be repaid in installments in advance, so the repayment pressure will be much smaller, and the repayment time of the temporary quota is the same as that of the fixed quota after use.

Don't worry about the expiration of the temporary quota, although the page shows a negative number, it has no impact on credit.

Installment entrance: Alipay click [My] - [Huabei] - [Repay Now] - [Bill Installment] in the lower right corner

2. Consequences of overdue.

If you do not repay the loan after the repayment date, the main impact is to calculate the penalty interest on a daily basis, and it is also a very serious blow to the sesame points.

1. Validity period of the temporary quota

The temporary quota given by Huabei is generally limited to about one month, which can be viewed on the collection page, and if it is not used during this period, it will automatically expire; If you use it, the credit will be negative after the expiration date.

For example, Xiao Wang Huabei has a fixed quota of 3,000 yuan, received a temporary quota of 5,000 yuan, and purchased a mobile phone of 6,000 yuan, so the fixed quota is all used up, and the temporary quota is deducted 3,000, and after the validity period expires, the total quota will be displayed at -3,000 yuan, and the subsequent 6,000 yuan will be paid off, and the total quota will be re-displayed at 3,000 yuan.

2. Overdue repayment

Rules for the use of Huabei quota: temporary quota, priority to use fixed quota; Repayment Rules: Fixed amount.

The last repayment date or any day on the 10th is subject to the page.

Therefore, everyone Huabei will give priority to repaying the temporary amount, if you have not repaid, there will be the following consequences if you are overdue.

1. Freezing. Huabei's permissions will be frozen, showing that the quota cannot be used temporarily, and there will be a chance to recover after repayment;

2. Sesame seeds. It has a certain impact on Alipay's credit system, and even affects credit products such as borrowing, online business loans, and reserve funds.

To sum up, there is no need to worry about the temporary quota of Huabei after the validity period expires, as long as the repayment is settled, it is normal for the quota to show a negative number, and it will gradually recover with repayment.