Can I postpone repayment with borrowing, and how can I apply for deferred repayment?

Borrow. In general, it is not possible to defer repayment. 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 insist that you have no money to repay due to the epidemic, and your family members have no capital turnover, and the customer service may be relieved to say that some areas during the epidemic can be assessed to help you postpone a period, 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 the borrower repays the loan in installments, then you can work with Ant Financial.

Negotiate a new repayment plan, usually at least about 10% of the total amount owed each 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 financial ** 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.

What should I do if I can't borrow it?

First of all, the most important point is that if you can't pay it yet, don't wait for the arrears to be overdue, you must give priority to discussing with customer service, in case you can find a solution, you don't have to wait for death passively.

Generally speaking, looking for customer service is to discuss two things, the first is to reduce the overdue fee, because the overdue fee is generally very high, if you can't pay it off for a while, the overdue fee will be higher and higher. The second thing is to reduce the interest rate, because the general online loan is not as low as the interest rate written on paper, if you are willing to do the math, you will find that the real interest rate of the loan with a few percent of the monthly interest rate exceeds 20%-70%. So you can spend your time worrying about calculating the interest rate, and if you exceed the legal interest rate limit of 24%, you may not have to pay back the excess interest.

Under normal circumstances, the customer service will agree to reduce part of the fee in order to recover the arrears.

Can I extend it if I can't borrow it?

It should be noted that the repayment of the loan cannot be deferred. The official reply is: At present, there is no grace period for borrowing, and it is not supported to apply for deferred repayment.

That is, 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 on your mobile phone, My-Ant Borrowing-to repay, and enter the repayment page to view the repayment date.

If you don't repay your loan on time, it will be overdue, and overdue will affect the use of your borrowing. The details are as follows: penalty interest will be charged on time for overdue borrowing, and penalty interest will be charged at multiple of the normal interest rate from the date of overdue; If the borrowing is seriously overdue, you may no longer be able to use the borrowing function, and after repayment, the system will need to evaluate from time to time to see if you can resume the use; In addition, it is said that the credit will be checked after the borrowing is upgraded, and if it is overdue, it will also affect personal credit.

The borrower no longer provides the service of deferred repayment, and the user can make an appropriate turnover for repayment, and it is recommended that the user should repay the loan on time to avoid adverse effects. In addition, in the past, borrowers could apply for a 45-day deferred repayment coupon, but now the service has been suspended, and users need to repay the arrears on time. If the user has a special reason, he can call Alipay's official customer service hotline to consult the borrowing and repayment business.

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.

Operating environment: Alipay Apple cover shouts 12ios14

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.

Generally speaking, it is not possible to defer repayment with ant borrowing. The explanation of the Ant Borrowing platform** is that there is a buffer period for repayment, and if the user fails to repay the loan beyond the repayment date, the loan is considered overdue, and the overdue loan of Ant Borrowing will also produce corresponding tax late fees, and at the same time, it will affect the user's sesame points. If the user's ant borrowing is connected to the personal credit information of the bank, it will continue to have a bad impact on the personal credit report.

1. Overdue loans will also lead to a reduction in credit limits, and if the loan is overdue, it may be frozen and cleaned, and it is difficult to open it again;

2. Loan overdue will cause significant harm to personal credit, borrowing only needs to be overdue loan will be reported to the credit report, and the credit overdue record in the credit report will also affect the subsequent bank loan and electronic banking business;

3. If the overdue amount is very large, it will be sued, and if it is deliberately indebted, it is very likely to bear criminal punishment;

4. The system will punish the user's personal behavior of overdue repayment, if the user does not actively repay the loan and there is no money in the account, the user's sesame credit score will be deducted, and the user's relatives and friends will continue to be notified according to the Alipay mobile phone address book.