Can I open the loan again after opening the settlement certificate?

Borrowing is a credit lending product launched by Alipay, and the opening and closing of borrowing are decided according to the individual's credit status and Alipay's risk control policy. If you have already settled the arrears of the loan, then you can theoretically apply for the loan again. However, you need to determine whether you meet Alipay's risk control requirements based on your personal credit status.

If you are unsure of your personal credit status, you can search for "Puxin Check" and click Query, enter relevant information to obtain Baixing credit data. Baihang Credit is a credit information platform launched by the People's Bank of China, which can inquire about personal credit history and credit status. However, it should be noted that with the establishment of Baihang Credit, the overdue situation of personal online loans will inevitably affect credit history, so it is important to think twice before borrowing.

For the specific situation of opening the loan again after settling the arrears, it is recommended that you consult Alipay's customer service or inquire on the relevant pages of Alipay. They can provide you with more accurate answers and assistance.

If the user settles the arrears of the loan within the repayment time, the amount will be restored after the settlement.

And when the user needs to borrow again, he can resubmit the loan application. If the user's time to settle the loan has exceeded the repayment time of the loan, it is an overdue repayment, and the amount is likely not to be restored after the loan is settled, and the borrowing function will be turned off.

No, you don't. Whether to issue a certificate after the loan is repaid should be analyzed on a case-by-case basis. If you don't want to handle bank credit business, you can pay off the loan without issuing a certificate.

If you take out a loan from a bank, especially if you apply for a housing loan, you must issue a loan settlement certificate after the loan is repaid, and submit it to the bank before accepting the housing loan application.

If the settlement certificate within 2 years of borrowing can be opened by the user himself, the path: Alipay APP-My-Borrow-My-Settlement Certificate Follow the prompts; If you want to issue a certificate from 2 years ago, you need to contact human customer service to issue it.

The method of issuance of the certificate of borrowing and settlement is as follows:

1. To issue a settlement certificate for the borrowing, first of all, it is necessary to ensure that all the arrears of the borrowing are paid off;

2. After paying it off, click "My-Ant Borrowing-My-Loan Record-Loan Certificate" in Alipay on your mobile phone, and then click to issue;

Summary. The method of issuance of the certificate of borrowing and settlement is as follows:

1. To issue a settlement certificate for the borrowing, first of all, it is necessary to ensure that all the arrears of the borrowing are paid off;

2. After paying it off, click "My-Ant Borrowing-My-Loan Record-Loan Certificate" in Alipay on your mobile phone, and then click to issue;

Loan settlement + certificate issuance process.

Hello, I am happy to serve you, and I will sort out the answers for you as follows, I hope it will help you, thank you The method of issuing the loan settlement certificate is: 1. To issue the settlement certificate of the loan, you must first ensure that all the arrears of the loan are paid off; 2. After paying it off, click "My-Ant Borrowing-My-Loan Record-Loan Certificate" in Alipay on your mobile phone, and then click to issue; 3. After confirming that the information is correct, click "Send to my mailbox", and then come out of the mailbox and print it. If you find that there is an error in the information on the loan settlement certificate, you can contact Alipay's ** customer service and ask the customer service to help you modify it.

It is better to have a proof of opening settlement.

First, some online loans are transferred to other companies after you have not returned them for a long time, and you may not know or pay attention to them.

However, the transferred company may not have the qualifications to upload customer credit information.

So if you pay it back, you pay it back, and no one will necessarily help you resubmit it to the credit report.

If you ask for it, the company may apply to the original online loan company to submit your information.

It's very *** if you ask for a settlement certificate again.

Otherwise, if you are stuck in dealing with financial institutions in the future, it will be really troublesome.

Second, many companies are slow to report after you settle the bill, and the settlement certificate before you update it can also prove that you have paid off the debt.

It's like when you borrow money and you write an IOU, and you have to get it back when you're done paying it back. It is beneficial to protect your rights and interests.

Moreover, when applying for a mortgage and car loan in the future, some banks will also ask you to provide proof of settlement when they find out your previous loan records.

Don't delay your big event, it's still necessary to have a copy.

Third, to prevent being deceived by illegal collections, this has happened many times.

The person in arrears did not confirm the identity of the customer service. The other party said that as long as you pay back the pie, it will be settled, but you must return it before what time. Seeing that there are so many reductions, the time is so rushed, and it is too late to think about it and pay it back.

And then it was true that no one urged for a long time. After more than half a year, I came back to you and said that you hadn't paid it off.

This kind of is to fatten the penalty interest liquidated damages, and you will have to pay it back at one time. And you don't have any proof, and people insist that you have only paid part of it before, and you haven't settled it. It's really hard to be reasonable.