How to negotiate only the principal repayment of Jiufu Wanka?

Actively negotiate and take the initiative to repay.

Don't wait for the overdue collection of online loans to come before you want to negotiate, you can take the initiative to contact customer service to negotiate repayment before the overdue, give a grace period or directly reduce the interest.

Extended Materials. 1. Interest is the fee for the use of money for a certain period of time, which refers to the remuneration received by the holder of the currency (creditor) from the borrower (debtor) for lending money or monetary capital. This includes interest on deposits, loans, and interest on various bonds.

Under capitalism, the source of interest is the surplus value created by wage workers. The essence of interest is a special form of transformation of surplus value, which is part of the profit.

2. Interest (interest) abstractly refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector. Interest is less abstract and generally refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for the use of borrowed money or capital. Also known as sub-gold, the symmetry of the mother gold (principal).

The formula for calculating interest is: interest = principal interest rate deposit term (i.e. time).

3. Interest is the remuneration received by the owner of the fund for lending the funds, which comes from the part of the profits formed by the producer using the funds to perform the operating functions. It refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector, and its calculation formula is: interest = principal interest rate 100% of the deposit period

Fourth, Marxism holds that interest is essentially a part of profits, a form of transformation of surplus value. Money itself does not create money, it does not increase in value on its own, and it is only when the functional capitalist buys the means of production and labor with money that he can create surplus value in the process of production by employing the labor of workers. The money capitalists, on the other hand, share the surplus value with the functional capitalists by virtue of their ownership of capital.

5. Therefore, the separation of the ownership of capital and the right to use capital is an intrinsic premise for the generation of interest. And due to the characteristics of the reproduction process, the coexistence of capital surplus and capital shortage is the external condition for the generation of interest. Money becomes capital when it is appropriated by the capitalist and used as a means of exploiting the surplus value of the wage-worker.

Money performs the function of capital and acquires an additional use-value, i.e., the ability to produce average profits.

6. All capitalists are driven by the pursuit of surplus value, and profits are transformed into average profits. The average profit is divided into interest and income of the entrepreneurs, which are appropriated by different capitalists. Thus, interest is essentially the same as profit, a form of transformation of surplus value, reflecting the relationship between the lending capitalist and the functional capitalist in the common exploitation of the worker.

7. The theory of money interest holds that interest is the cost of borrowing money and ****, and at the same time it is the income of loans and purchases. As a monetary phenomenon, the interest rate is determined entirely by the supply and demand of money. Chinese scholars believe that in a socialist society with public ownership as the main body, interest is the value-added part of national income or social wealth.

In real life, interest is seen as a general form of income, which leads to the capitalization of income.

The maximum interest cannot exceed 36%, if it exceeds this interest rate you have the right to refuse to pay the excess, if it does not exceed it is legal, you have to perform according to the contract after signing the contract. If you don't make the payment, you may face the risk of prosecution.

You can choose not to pay it back, because more than 24% of the part is no longer protected by the law.

First of all, you need to be clear, Jiufu Wanka.

It is an online loan product. The interest rate of online loan products is generally very high, you not only need to calculate the interest of online loan products, but also need to calculate the service fee of online loan products and the so-called membership fee calculation basis, after you divide all the fees by the principal, this interest is the real interest of online loan products.

When you calculate interest, you need to calculate some of the comprehensive annualization. If you analyze for more than 12 months, you need to calculate the 12 months of interest, not the total interest. Regarding the question you asked, I will explain in detail from the following points::

First, there is the question of interest.

More than 24% of the part: before 2021,As long as the annualized interest rate of any of your lending products is more than 24%.The rest of the law is not protected by law。The user can choose not to repay, but the lender can choose to demand repayment.

If the lender takes the user to court, the court needs to consider a variety of factors to decide whether to accrue interest.

More than 36%: If the user's loan interest has exceeded 36% annualized, the user does not need to repay the subsequent part, and the subsequent part is not protected by law, which is a clear usury.

category. Even if the lender sues the user, the user does not need to pay back the interest after 36%. <>

Second, the second is the issue of the latest regulations and online lending.

After 2021, private lending protected by law.

This means that when a user owes you a balance between them, the user can choose not to pay it back. If the interest on the user's arrears has exceeded the annualized rate of 24%, the user can directly choose to refuse to repay. At the same time, I advise you to stay away from all online loan products, the annualized interest rate of Jiufu Wan Card is very high.

If you really don't want to pay it back, you can choose to fight to the end. <>

It is not possible not to repay it, and at any time, as long as there is a behavior of borrowing money before the rush, it is necessary to repay it at the first time, otherwise it will affect your life.

No, you cannot. Only if it exceeds 36% can it not be repaid, and 24% is still within this range.

You definitely can't not not repay, because if you don't repay the loan, it will cover and affect your personal credit information, it will affect your future development, and it will also affect your future housing and Pi Min's car purchase.

Hello, I would like to consult, I borrowed 40,000 yuan from Jiufu Wanka Online Loan, with an installment of 36 months. The interest was more than 26,000 at first. If you want me to repay a total of more than 66,000 cards.

I have been repaying it for 24 months, the principal of 40,000 yuan has been paid off, and the interest of more than 6,000 yuan has been paid back to the He file. But during the repayment period, Jiufu Wanka gave me more than 3,000 more interest, and asked me to repay more than 69,000 yuan in total. Can I not repay the remaining interest?

Won't you still mess with the credit report? Blacklisted?

Bombing medical institutions, exploding address books, and online loan collection methods emerge in an endless stream, and at the moment of the epidemic, these ground rats should be completely eliminated.

Do you want to get all the interest back at 24%? If you don't wake up, pay back the principal, love or not.

Beijing Jiufu lenders and borrowers eat both ends, fraud and accusation that I have not paid off a single cent after a year and a half of overdue for 10,000 years, this kind of unscrupulous enterprise, when can a case be filed?

This ** is a Jiufu Wanka, a loan shark fraud company, the interest rate is very high, and the social idle people are hired to collect violently, everyone must not be fooled!

If you are unable to repay the card, if you meet the application conditions, you can click Submit, and then please take the initiative to contact the worker to apply. Users who do not meet the conditions for postponement are advised to repay the loan on time to avoid affecting their reputation.

What should I do if I am really unable to repay the card: If I am really unable to repay the card, I can take the initiative to contact customer service to negotiate the repayment before the deadline, indicating that I am willing to repay, but it is only the current difficulty in capital turnover, so I can apply for a grace period or direct reduction of interest. Under normal circumstances, as long as the borrower has a good attitude and is willing to repay, Jiufu Wanka will agree to negotiate repayment, and the borrower only needs to repay according to the agreed repayment time and repayment amount.

However, it should be noted that once the repayment is negotiated, if the repayment is still not possible on the day of repayment, then Jiufu Wanka will take measures to collect the borrower, and even call the emergency contact** to ask the borrower to repay.

Jiufu Wanka is a new credit lending software launched by Jiufu Group, the higher the credit in Jiufu Wanka, the larger the amount and the process is convenient and fast lending.

There is also a popular lending software in the market, which can be used when you need money urgently;

But after borrowing, you must pay it back, and you should also pay attention to your own expenses in ordinary times, if you don't have it, save the flowers, try to pay it back, otherwise it will be very troublesome;

If you don't repay it, it will be overdue, and the overdue reputation period will affect your personal credit, and there will be overdue fees, and you must actively repay the loan after borrowing;

You can also call the customer service, you can postpone the time, and interest will be charged if the interest is too high, you can go to a lawyer, keep the evidence, and ensure your personal interests.

If the Jiufu Wan Card is not available, the user can negotiate with Jiufu first, indicating that he is currently in difficulty in capital turnover, and ask for a reduction of part of the loan interest and overdue fees. Generally speaking, as long as the borrower has a good attitude and is willing to repay, Jiufu will agree to reduce part of the fee. After that, the borrower can repay the loan according to the agreed repayment time and repayment amount.

Operating environment: brand: vivox70

System version: Android