How to negotiate deferred repayment in installments, can you negotiate deferred repayment in install

Installment music. If you want to negotiate a deferment of repayment, you need to fill out an individual deduction form.

Indicate your willingness to repay and explain your financial situation. After the review and approval of the installment company, the borrower can negotiate the repayment. It should be noted that the negotiation of deferred repayment is mainly for some customers who are more seriously overdue, and it is generally difficult to apply for negotiation for installment music.

Extended Materials. 1. Can I negotiate to repay only the principal?

1. The interest on the installment loan is calculated on a daily basis, and the installment interest is calculated by the formula.

For interest = unpaid principal daily interest rate borrowing days, the current daily interest rate of installment is about the monthly interest rate.

is around and the annual interest rate.

is as high as 42%, so the overdue repayment time is too long, and the interest is very high.

2. As we all know, after the loan is overdue, it will experience ** collection, explosion of contact list, door-to-door debt collection and other behaviors. At this time, the user can explain his situation, and it is better to say that it is not that he does not repay, but he is unable to repay, and whether there is any other way to solve it. After surviving the collection, the purpose of the platform collection is to get back the arrears, if the long-term collection can not get the arrears, then the other party can only negotiate and deal with it, and will say that interest-free only repay the principal.

At this time, the borrower can negotiate with the other party how much to repay each month, and there is no interest or liquidated damages, basically the platform will agree, after all, it is very good that they can get back the original.

3. To sum up, the installment company can negotiate a deferred repayment, and only the installment company agrees to negotiate a deferred repayment. The above is all about "how to negotiate deferred repayment in installments, and can you negotiate only to repay the principal in installments", I hope it will help you.

If the installment is overdue, it will have the following consequences: the installment is overdue and the credit is recorded, which directly leads to personal credit.

Undesirable; Overdue interest will be charged on a daily basis after overdue, and the longer the overdue time, the more overdue interest will be; During the overdue period, the installment club will collect the user; After the installment is overdue, the user cannot use the installment again, and even if the overdue arrears are paid off, there is no guarantee that the installment can be used in the future. Therefore, the consequences of overdue installments are more serious, and it is best for users to return the arrears of each installment on time.

The process of negotiating the postponement of repayment in installments: call the customer service of installment** and explain the reason for overdue; Submit an application for deferred repayment, and upload supporting materials if you have supporting materials; After receiving the application, the user will be reviewed; After the review is passed, the user will be informed of the time to postpone the repayment; If the audit fails, you need to pay off the overdue arrears as soon as possible.

You can get the big data report of online loan from "Four Joy Data", which includes information such as online loan history, online loan overdue details, debt status, untrustworthy information, and online loan blacklist.

Extended Information: What should I do if I refuse to repay the principal through negotiation in installments?

Negotiate with Installment Le to only repay the principal and reduce the interest, if the other party does not agree, there is no way.

After all, installment itself does not provide interest-free services like bank credit cards.

However, if you can't pay off the arrears for a while, you can do the following.

1. Call customer service **95730 to contact the staff of Installment Le to explain clearly that you do not have the ability to repay for the time being, express your sincere idea of repayment, and then try to apply for extending the repayment period and repaying the arrears in installments.

In this regard, the instalment should be considered at its discretion, and if the negotiation can be successful, then it is sufficient to repay the arrears on a monthly basis according to the newly negotiated repayment plan.

2. Try to borrow money from relatives and friends who are close to you to raise funds to repay the debt.

After paying off the arrears, and then the funds on hand are also abundant, then you can repay the money to relatives and friends (the repayment time is more negotiable, and borrowing money from relatives and friends will generally not charge interest).

2. Submit an application for deferred repayment, and upload supporting materials if you have supporting materials;

3. After receiving the application, the installment will review the user;

4. After the review is passed, the user will be informed of the time to postpone the repayment;

5. If the audit fails, you need to pay off the overdue arrears as soon as possible;

6. In addition, if you negotiate a postponement of repayment, you can also try to apply when it is not overdue, and whether it can be passed is subject to the reply given by Installment Le.

Extended Materials. History.

In August 2013, Xiao Wenjie founded Installment Le and received start-up investment from Xianfeng Huaxing.

In October 2013, the installment music was officially put into operation.

In March 2014, Installment reached a strategic cooperation with JD.com, the largest company in China.

In March 2014, Installment Le received a $10 million investment led by Matrix Partners China to complete Series A VC financing.

In April 2014, the marketing centers of Beijing, Wuhan, Chongqing and Nanchang were established.

In May 2014, the company served more than 100,000 customers.

In June 2014, the marketing centers of Shanghai, Xi'an and Nanjing were established.

In September 2014, Installment supported many colleges and universities in nearly 100 cities across the country.

In December 2014, Installment Le received a $100 million Series B financing led by DST and followed by Bertelsmann, Jingwei China, Huaxing Capital and Xianfeng Huaxing.

In March 2015, the installment was awarded the strategic investment of JD.com.

In October 2015, the sales volume of the installment month exceeded 2 billion.

In December 2015, Installment Le joined China's "World No Thieves Anti-Information Fraud Alliance".

In January 2016, Installment Le successfully issued ABS, with an initial amount of 200 million yuan.

In March 2016, Installment became the first batch of governing units of the Internet Finance Association of China.

In April 2016, Installment announced its open platform strategy and opened its services to white-collar workers.

In June 2016, Installment completed the first 100 million US dollar financing in the D series.

In June 2017, the number of registered users exceeded 16 million.

In July 2017, Installment Fun launched the first mobile installment shopping festival.

1. Call ** to the installment Le manual customer service to indicate the reason for the overdue;

2. Submit an application for deferred repayment, and if there are supporting documents, you can submit supporting documents;

3. After receiving the application, the installment will approve the customer;

4. After the review is passed, the customer will be notified of the time to postpone the repayment; If the approval is not approved, the overdue loan needs to be settled as soon as possible.

In addition, if you negotiate a postponement of repayment, you can also try to apply when it is not overdue, and whether it can be approved or not needs to be based on the response obtained by the installment music. The above is how to negotiate the postponement of repayment in installments.

1. The borrower will be recorded in the credit blacklist of the installment and cannot take out a loan in the installment;

2. The installment will also be reminded of the borrower's mobile phone address book contact**, which will affect the borrower's daily life;

3. The borrower will bear a huge amount of overdue expenses for installments, and the longer the overdue time, the more expenses will be borne;

4. Personal credit will cause stains, and the installment will report to the personal credit system;

5. Overdue credit investigation affects the normal bank credit behavior of individuals.

Explain the reason for the overdue; Submit an application for deferred repayment, and upload supporting materials if you have supporting materials; After receiving the application, the user will be reviewed; After the review is passed, the user will be informed of the time to postpone the repayment; If the review is not passed, the installment cannot be repaid, and the loan needs to be repaid as soon as possible.

How to negotiate the repayment of an overdue online loan.

1. 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, and the customer service can call a few more times if you don't agree.

2. Know with affection.

Sincerity. When communicating with collectors, you need to be sincere, don't blindly say that you don't have money, they are tired of hearing this. After you can talk about the difficulties, express a good willingness to repay, list your repayment plan, explain that you have income from work, and you are working hard to raise money.

3. Be reasonable.

Preserve evidence. If there are non-compliance areas in the online loan, such as membership fees, audit fees, etc., or there is a phenomenon of violent collection, you can retain relevant evidence, understand certain legal knowledge to negotiate, pay attention to appropriate language, and do not use verbal violence.

It is recommended that you should have a complete understanding of your capital flow before you are overdue, so as to effectively improve your success rate and reduce your loan risk.

Consequences of negotiating installments:

1. Taking credit cards as an example, the negotiated installment can only be handled after the overdue, and some people can use other ideas to solve the debt problem before the overdue, but the result is that they have to delay until the overdue to negotiate the installment, which is an unscientific idea.

2. After negotiating the installment, before the arrears are settled, this credit card cannot continue to be overdrawn, which is equivalent to only entering and not leaving.

3. The credit report will show the stop payment. No bank will be willing to lend you before you settle the debt, and even if you pay it off, the overdue record will continue to be kept in the credit information center for 5 years, and other banks will be cautious or refuse to give you a loan if they see that there has been a stop payment within these 5 years.

4. If the installment is overdue again, the installment agreement will be invalidated, and the overdue penalty interest will be collected, and the bank may directly demand the full repayment or sue.

Installment can negotiate a postponement of repayment. Users can directly call the installment customer service**, transfer the manual service according to the voice prompts, and then submit an application for deferred repayment to the customer service, and explain the reason for the deferred repayment, the customer service will submit an application for deferred repayment, only need to wait for the review result, the review will be notified within 24 hours, and the repayment bill will be changed after the deferred repayment is successful. As we all know, borrowing and repaying is a matter of course, especially in the current era of big data, if our loan is overdue, it will even affect our daily normal life, which is very much more than worth the loss.

For example, the installment loan product, which is very popular nowadays, will have a great impact if it is overdue.

Extended Information: 1. What should we do if the installment is overdue?

1. Contact the platform as soon as possible. You should remember that if the loan of any bank or online lending institution is overdue, the first time you must call customer service to explain the specific reason for the overdue, inform you of the difficulties in loan repayment (such as the impact of natural disasters, resulting in a decline in income, etc.), and obtain the understanding of the financial institution.

2. Reflect your strong willingness to repay.

In addition to calling to explain, we should also reveal a strong willingness to repay, so that the platform believes that we will repay the loan as soon as possible, reduce the punishment for repayment, and also help yourself delay time. If necessary, you can also apply for negotiation with the platform to repay the loan in installments to reduce the pressure of repayment.

3. Find a way to raise funds to repay the loan. After gaining the trust of the platform, what we need to do is to raise funds quickly, pay off in one lump sum or repay in installments, so that our credit report will not be seriously affected.

2. What will be the impact of 20,000 installments if you haven't paid it back for two years?

Installment is a loan product of Lexin, when applying for installment, you need to check the credit report of the loan applicant, and the loan repayment will also be on the credit report.

If the installment has not been repaid for two years, then the borrower's credit is already very poor, and it is impossible to use Lexin's various credit services again, and if you want to apply for other loans or credit cards, you will be rejected in seconds.

The installment of 20,000 has not been repaid for two years, and the amount owed is not small, and it depends on whether the installment is suing the borrower in court. If the borrower loses the lawsuit, then he needs to repay the loan in accordance with the regulations, and if he refuses to repay, the court will enforce the repayment, and if he still fails to repay, the borrower will become a dishonest person subject to enforcement.

Operating environment: Apple 12, ios14, installment music.