Borrowing can delay the repayment deadline by a few days

When the final repayment date comes, the user must pay off the arrears, otherwise it will become a late repayment, which will not only generate interest, but also reduce the Sesame Credit score. All in all, the borrowing in the borrowing cannot be deferred, and there is no so-called grace period for repayment.

Extended Information: 1. What is the maximum number of installments that can be borrowed in installments?

The borrowing installment can be divided into up to 12 installments, but the specific length of borrowing depends on the number of installments that can be selected on the borrowing page. Some users have average credit qualifications, and the system will provide fewer optional installment periods. In addition to the number of instalments, you can also choose the repayment method, which can be equal to the monthly amount with interest first.

2. Can I apply for deferred repayment if I borrow?

1. Alipay's official is: borrowing does not support applying for deferred repayment, it is recommended that you repay on time to avoid the impact of overdue on your use. Penalty interest will be charged on a regular basis for overdue borrowing, at the normal interest rate of 1 from the date of overdue

5 times the penalty interest, once there is a phenomenon of overdue repayment, the system will reduce or close the personal borrowing.

2. That means you have to repay the loan on time. As for when the borrower will be repaid, it is generally determined by the repayment date of the first loan. If the first borrowing time is the 10th, then the repayment date is the 10th of each month, you can log in to Alipay and enter the repayment page to view the repayment date.

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3. Failure to repay the loan on time mainly has the following three impacts:

1. Functional limitations: After the overdue, the borrowing function will be directly restricted from being available, and whether it can be restored after subsequent repayment is evaluated by the system from time to time, and manual intervention cannot be made;

2. Negative records: Overdue records will be uploaded to Sesame Credit, and the basic database of financial credit information will be uploaded in accordance with regulations;

3. Overdue interest: If the repayment is overdue, there will be a overdue fee that is multiple of the normal interest rate.

4. How to deal with Alipay after the loan is overdue?

1. SMS reminder.

After all, Alipay is a formal and reliable platform, mainly to send text messages, ** reminders, to inform the borrower how much is the current overdue amount, how many days have been overdue, to repay in time, otherwise there will be a series of adverse consequences, this stage is mainly to remind repayment, and there will be no radical means.

2. Collection.

If the borrower still does not repay the loan for more than 3 months, it may take action, such as Huabei, borrowing, online business loan freezing, sesame points are reduced, some functions are restricted, and the borrower's address book will be contacted, and the borrower will be called ** every day for collection.

According to Alipay's official instructions, there is no grace period for Alipay loans, that is, Alipay loans cannot be overdue.

As long as the repayment date is exceeded, the borrower's loan is overdue, and it will be reported to the People's Bank of China for credit investigation by Alipay.

If you want to apply for a deferral of repayment, you mainly need to look at your actual hardship and the amount of arrears, and your negotiation skills.

The benefit of the extension is to avoid prosecution and no collection**.

It is enough to pay back the money within the stipulated time.

If the borrower applies, he or she can choose to defer the repayment or repay the loan in installments.

There is no handling fee for Huabei to repay all bills in the same month, so many Huabei users like to repay the bill at once.

However, if you are really under financial pressure, you must choose the bill installment or minimum repayment in time, so that although you have to pay some handling fees, you can avoid the risk of overdue and will not cause any damage to the borrower's credit.

If the online loan is overdue and has not been repaid, and it is collected, you can get a big data report in "Kingfisher Data", check your overdue records, and classify your online loans, formal and informal, those on credit and those on non-credit information. If you want to repay the money but don't have enough funds, then negotiate with the online loan platform and give priority to the regular credit investigation to reduce the impact on yourself.

Extended Information: Does Alipay Loan Overdue for One Day Affect Credit Investigation?

If it is only overdue for one day, although it will be recorded in the credit report, it will not have a great impact on the borrower's credit.

In fact, when financial institutions check the borrower's credit report, they are allowed to have one or two overdue records.

Because in the repayment process, there will always be some borrowers who are careless, forget to deposit, etc., resulting in the loan being overdue for one or two days, which is a normal phenomenon.

But if it's a day overdue, or even one day a month, the situation is more serious.

If it reaches the point of "three times and six in a row", then it is a very serious credit stain for credit reporting.

1. The repayment period can be delayed for a few daysThe grace period for ant borrowing is within three days, and if it does not exceed three days, it is not a big problem. Refer to major banks that generally give us three days to repay, and Ant Borrowing is the same. And it will not be on the credit report if it is overdue for three days, but in order to borrow better next time, it is recommended that it is better to repay the loan on time.

Second, borrow"Borrowing", now known as "Credit Loan", is a loan service launched by Alipay, and users can apply for different loan amounts according to different sesame scores. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is to borrow and repay at any time. The interest rate of borrowing is not high, and it belongs to the current mainstream online loan products.

3. How to negotiate repayment of borrowing

1. How long can the repayment date of the loan be delayed?

Ant Borrowing does not have a time-sensitive service, does not provide a grace period for repayment, and does not support deferred repayment like Huabei. Therefore, after the customer borrows the loan, he must repay it on time before the due date of repayment (inclusive), and if he has not repaid it by the repayment date, there is no way to postpone the repayment for a few days.

2. What should I do if the borrowing is overdue?

1. There is no such thing as being overdue for a few days, Ant Borrowing is a loan product, if you are overdue, it will affect your personal credit history (including Sesame Credit) and even affect credit reporting; There will be a penalty interest rate of the normal interest rate multiplier; The system will automatically charge and collect the payment. It is recommended to maintain good spending habits and repay the loan in a timely manner to avoid adverse effects from overdue.

2. If it's just one day overdue, Ant Borrowing will not give you a **, the time is relatively short, the system will give users a chance to repay, if the overdue time reaches one month, Ant Borrow's customer service will call ** to remind you to repay. However, overdue for one day can also cause, for example, your borrowing privilege will be suspended, even if you pay off the loan the next day, your borrowing privilege will still be closed in a short time.

3. What is the difference between borrowing and Huabei?

1. Different ways of use:

Borrowing mainly provides cash loans, which can be used for consumption, travel, study, etc. Huabei is mainly used to pay in installments and cannot be withdrawn. Ant Huabei can only be used in places where there is a partnership.

2. Different repayment methods:

The loan is repaid in monthly instalments, which can be paid in installments ranging from 3 to 12 months. Ant Huabei will decide whether to repay the installment or repayment on the 9th of next month, and the installment time is relatively short. The loan term is longer, and the repayment pressure brought to the borrower is not very large.

3. The interest rate of the loan is different

The interest on borrowing is charged on a daily basis, and the daily interest rate is, and the interest on one day is counted as one day for each day of borrowing. Huabei has an interest-free period, which can reach 50 days. If it is a short-term loan, in terms of cost, ant borrowing is better than ant Huabei.

When users are unable to repay and need to negotiate repayment, they can contact the official customer service of Online Business Loan, and then inform themselves of the reason why they want to postpone repayment. At the same time, submit appropriate and corresponding materials in accordance with the regulations of the relevant business departments of online business loans. In most cases, only users who meet the deferred repayment requirements stipulated in the online merchant loan can apply for deferred repayment.

Users can call Alipay's official customer service **9518, enter the manual service, and explain to the staff the reason why they want to postpone repayment. No income**, insufficient funds, etc., the staff will decide whether to agree to the user's deferred repayment based on the user's personal account situation and other relevant information. If you want to avoid the risk of being sued for collection, please seize the opportunity to negotiate with Alipay to postpone repayment.

According to the current situation, if you want to apply for deferred repayment, you need to meet the relevant conditions of online business loans, and the specific regulations of online business loans shall prevail. Normally, bank loans are on credit information, so users must pay attention to repayment on time to avoid overdue records on credit information.

Extended Information:1There are also two disadvantages of deferred repayment coupons, the first disadvantage, you need to pay an extra month of interest if you are deferred for one month, so if you have the ability to pay off the loan, it is better to pay off the loan and do not use deferred repayment coupons.

The second drawback is that the use of deferred repayment is just that the system pays off your previous loan, but it will produce a new loan record, so there are many loan records in your credit report, and the score of credit qualification is also very unfriendly.

2.MYbank is the first bank in China to build its core system on the financial cloud. Based on the financial cloud computing platform, MYbank has the ability to handle high-concurrency financial transactions, massive big data and elastic expansion, and can take advantage of the advantages of the Internet and big data to provide financial services to more small and micro enterprises.

3.MYbank is an operating loan launched by MYbank for small and micro enterprises and individual entrepreneurs, which is a pure credit loan based on the operation and credit status of the operator, which is safe and reliable, fast and flexible in borrowing and repayment. In [Alipay] - [My] - [Online Business Loan] you can see your online business loan limit.

If you need authorization on the page, click Agree to the agreement and view the limit, and then click Borrow money. You can also apply for an MYbank loan. If you don't see the online merchant loan entrance in [Alipay] - [My], or the prompt after clicking it says that it does not support opening and using it temporarily, it means that your account is currently unable to open online merchant loan, and it is recommended that you pay attention to it in the future.

Whether the online business loan can be opened is comprehensively evaluated by the system from time to time, and manual intervention cannot be made.

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Under normal circumstances, deferred repayment is not allowed. Although you can spend first and repay later, you cannot repay the loan beyond the last repayment date, and there is no minimum repayment function. Users can only repay the loan on time and in full to avoid overdue.

If the user is late in repayment, there will be additional overdue fees, which will also affect the personal credit status, and if the default time is too long, the use of borrowing may be restricted. If you need to postpone repayment, you can consult with customer service and explain the situation, such as the inability to repay due to some uncontrollable factors.

How to apply for deferment of repayment by borrowing.

2) Enter "Deferred repayment of borrowing" in the dialog box to inform the customer service of the reason why the repayment cannot be made on time, such as being quarantined and unable to go to work and have no income, it is best to provide relevant supporting materials that cannot be repaid normally due to the epidemic, such as some diagnosis certificates, isolation documents, etc., and wait for the customer's reply.

3) At first, the customer service will only tell you that there is no deferred repayment service for borrowing, so that you can repay on time. You will insist that you have no money to repay the money due to the epidemic, and the family members have no capital turnover, and the customer service may be relieved to say that during the epidemic, some areas can be deferred for a period of time after evaluation, and then help you apply for a loan deferred repayment coupon.

4) If the application is successful, after 18:00 p.m. on the second afternoon, pay attention to Alipay [Friends] - [My Customer Service], you will receive a message of "Borrowing Deferred Repayment Coupon Receiving Reminder", and then click on the message to receive the borrowing deferred repayment coupon, which can be viewed in Alipay - Card Package after receiving it successfully.

5) After receiving the borrowing deferred repayment coupon, you need to use it before 13 o'clock on the repayment date, and after successful use, you can extend the repayment of the principal of the current borrowing arrears for 45 days, but you need to repay the interest generated by the borrowing in the current period.

6) If you repay the loan in installments, then you can discuss a new repayment plan with Ant Financial, and generally repay at least about 10% of the total amount owed every month. However, the user must explain the reason for the repayment negotiation. For example, if you are unemployed at home due to illness or other reasons, you have no economy for the time being.

However, it is recommended that when you negotiate, you should clarify with the customer service when you will be able to have income and repayment, and you must clearly express your positive willingness to repay, so that the negotiation can be successful.

If you need to defer repayment, you must apply to customer service for deferred repayment. After contacting ** customer service, the user needs to explain the reason for the need to postpone the repayment. For example, unemployment, serious illness, disability, etc., after submitting the relevant certificates, the customer service will review the certificates.

After the review is passed, the customer service will help the user postpone the repayment date by no more than 1 month. It should be noted that delayed repayment is only not allowed to record overdue records for credit reporting, and interest will be incurred as usual during the non-repayment period.

Extended Materials. 1. Borrowing is a loan service launched by Alipay. Depending on the sesame points, the amount of loan that users can apply for varies.

The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is repayable[1]. On January 9, 2018, due to excessive leverage and violation of the relevant regulatory regulations of the central bank, some user accounts were voluntarily closed to control the loan balance. On November 8, 2021, it was reported that "Alipay" was renamed "Credit Loan".

In response, Alipay's customer service responded that in order to help everyone have a clearer understanding of the actual consumer credit providers, the consumer credit services provided by the financial institutions that cooperate with Ant have been updated to "Credit Loans" and display the name of the financial institution on the credit loan page. After this adjustment, the original loan, review, repayment and other services will not be affected.

2. "Borrow" is a loan service launched by Alipay. The application threshold is more than 600 sesame seeds, and according to different scores, users can apply for loans ranging from 1,000-300,000 yuan. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is.

At present, the consumer loans launched by e-commerce giants are mainly aimed at the stage of the e-commerce platform's consumption scenario, but with the continuous accumulation of personal credit data, personal credit loans in non-consumption scenarios have also been launched one after another. Have. Here's the actual experience of increasing the amount:

Deposit Yue Bao or Zhao Cai Bao (regular) and deposit 15000+ money, which can be paid after 10 days, usually 1-10 days; On your mobile phone, the e-commerce banking app and then deposit money to Yulibao. 10,000+ one-month deposit can basically be loaned out + 10,000 consumer loan from e-commerce bank; Complain about Uncle Ma Yun. One of the reasons why I'm not optimistic about these Internet companies engaged in finance is that they don't have the experience of receiving users who can't distinguish between interest and fees.

This part of the business will naturally have an impact on the bank's similar business. After all, the scale of several Internet giants is there. But not every industry is suitable for the Internet.

If the amount is too low, the principal will be repaid in installments. It is a small chicken rib, which is destined to be difficult to replace the position of traditional finance.