Can I negotiate if I can t borrow it, and if I can t repay Alipay if I can t borrow it, can I negoti

Borrow. If you can't pay it back, you can negotiate the repayment.

However, repayment can only be negotiated in the event of an unintentional overdue. In other words, if you can't repay on time due to special reasons, you can take the initiative to contact the borrower to apply for negotiation of repayment.

Extended Information] January 9, 2018, or due to excessive leverage and violation of the central bank.

Relevant regulatory regulations have taken the initiative to close some users to control the loan balance.

On November 8, 2021, it was reported that the name of Alipay's "borrowing" has been changed to "credit loan". In response, Alipay's customer service said that in order to make it easier for you to have a clearer understanding of the actual consumer credit service provider, the consumer credit service provided by the financial institutions that cooperate with Ant has been updated to "credit loan", and the name of the financial institution is displayed on the credit loan page. After this adjustment, the original borrowing, auditing, repayment and other services will not be affected.

Borrowing is a loan service launched by Alipay, and the current application threshold is Sesame Points.

above 600. Depending on the score, 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 to borrow and repay at any time.

At present, the consumer loans launched by e-commerce giants.

It is mainly for the installment in the consumption scenario of the e-commerce platform, but with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. Here's the actual experience of raising the quota:

1. Deposit Yue Bao.

Uncle; One of the reasons why I am not optimistic about these Internet companies engaging in finance is that they do not have the experience of receiving users who can't even 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 major Internet giants is there. But not every industry is suitable for the internet. The amount is too low, and the repayment of the principal in installments is a bit of a chicken rib, which is destined to be difficult to replace the position of traditional finance.

First, the front. According to the official information of borrowing, borrowing does not support deferred repayment and negotiated repayment, and the lender needs to repay the loan on time and in full in accordance with the requirements of the loan contract to maintain credit information.

2. Specific analysis.

If you can't repay the loan, the lender must raise funds in time, and you can borrow money from relatives and friends to relieve the pressure of borrowing bills first.

Not only does the borrower not support negotiated repayment, but the loan contract has been determined after the lender applies for the loan, and the loan contract cannot be changed in the future, which means that the lender cannot repay the loan in installments on the basis of the installment repayment, and must repay the loan according to the contract.

As a formal credit product, borrowing will first affect the credit investigation after it is overdue, and then the platform will also collect the lender's penalty interest, and the loan has not been settled, and the penalty interest pressure will always exist, which is much more than the loan interest.

Therefore, in order to avoid a series of consequences after the deadline, the lender should not be impulsive before applying for a loan, and must fully consider the personal financial ability, and the higher the amount of the loan, the better.

It is recommended that you can learn about your current credit situation in the "Beijian Quick Check", get rid of bad loan application habits, and cover untrustworthy behaviors with new good payment records.

3. What should I do if I borrow without interest first?

If you don't have the option to repay the loan with interest first, you can usually only repay the loan in equal monthly amounts.

Of course, in addition to the monthly equal amount and interest first and principal later, some borrowers will also provide a third repayment method, that is, the first 6 months of monthly interest payment (interest only), the next 6 months of monthly equal amount, then in addition to choosing the monthly equal amount, you can also choose this way to repay the loan.

It should be noted that the repayment method of borrowing is generally selected at the time of borrowing, and the optional method is determined by the system's comprehensive account evaluation, and cannot be intervened manually.

If the borrower does not provide the option of interest first and then this option, it cannot be forcibly selected (the optional repayment methods are subject to the page display).

The interest-first-post-principal system will generally provide high-quality products with good creditworthiness, which not everyone has.

If you want to borrow money in the future, you should pay attention to accumulating good credit, especially when repaying the credit products under your name, you must remember to repay it on time, and you must avoid overdue.

Otherwise, the credit will be damaged, not to mention the interest first and the principal later, and it is estimated that the borrower will not be able to borrow again.

OK. Of course, whether the negotiation can be successful depends on the relevant regulations of Alipay. If the user refuses to negotiate the repayment, then the user must settle the overdue amount of the loan as soon as possible, otherwise the personal credit will be affected. The function of borrowing will be limited after the expiration date, and it will not be able to continue to be used until the loan is settled.

Summary. Hello dear! OK.

Hello dear! OK.

Hello. The ant borrowing can't be repaid, it's been overdue for three years, and now it's urging, I plan to pay it back this year.

But they said they were going to freeze the funds.

I would like to ask if it is really going to be frozen.

No, it won't. How much.

Fifty thousand. If you say 50,000, the amount is relatively large, dear, do you usually take it?

Originally, it was less than 50,000 yuan, and it was plus interest.

If you don't accept **, you may sue, you can also negotiate with them to postpone repayment, there will be no collection during one or three years, and you will not be sued, and there will be no long interest. There is a way to negotiate, 1. Take the initiative to call customer service**If you want to postpone repayment, you first need to take the initiative to call Alipay customer service**95188. After the hot travel Lingshi line is connected, the user needs to explain to the manual customer service that his current economic situation is not good and he cannot return the loan on time, and at the same time apply to the customer service for a deferral of repayment.

When communicating, the attitude must be sincere, and when explaining the reasons for the poor economic situation, the real reason for the quarrel must be explained. 2. After waiting for the post-loan management specialist to call back and the user submits the application for negotiation repayment, the customer service who answers the ** will register, and then transfer the user's negotiation request to the post-loan management specialist. After receiving the application for negotiated repayment, the post-loan management specialist will usually call the user back through the official **95188 a few days later.

During this period, if there is a private ** call to the user, please ignore the user. 3. After uploading the relevant supporting materials, the loan management specialist will open a window for uploading supporting materials in Alipay, and the leaky window will prompt "customer service calls you to submit the voucher", at this time, the user needs to upload the voucher within the specified time. The main purpose of these certificates is to prove that the user is indeed in a poor financial situation and is unable to repay the loan.

After all, there is no basis for the words, and the relevant supporting materials must be provided before the post-loan management specialist will recognize the reason for the user's inability to repay.

Summary. Happy New Year in the Year of the Tiger! Dear, hello, Alipay borrowing can't be repaid, you can negotiate repayment.

Alipay borrowing can't be repaid, can I negotiate repayment?

Happy New Year in the Year of the Tiger! Dear, hello, Alipay borrowing can't be repaid, you can negotiate repayment.

Here I tell you how to negotiate the rift:1The owner contacted the customer service staff of the platform and took the initiative to admit the debt.

2. Indicate the willingness to repay and explain your current economic situation (unable to repay in a short time) 3Apply for an extension of the arrears of negotiation4Communicate the policy of applying for overdue interest relief.

Generally, the borrowing institution agrees to negotiate, and no institution wants to have bad accounts (accounts that cannot be recovered).

As long as you are willing to repay the loan, you can negotiate it for the time being! Dear, I hope the above can help you, thank you! Have a great day!

Dear, I hope the above can help you, thank you! Have a great day!

OK. 95188 is Alipay's customer service**, if the user is indeed temporarily unable to repay after using borrowing and Huabei, you can call 95188 to negotiate repayment. If it is indeed a force majeure cause that causes the arrears to be overdue, and strong evidence is provided, repayment can generally be negotiated.

If you can't negotiate the repayment, it is recommended that you borrow money from relatives and friends, settle the Alipay arrears at one time first, and then slowly repay the money to relatives and friends. Finally, I would like to remind you that credit products do provide more convenience to everyone, but we should not blindly apply for loans, so as not to be overdue due to inability to repay.

Extended Information: How to Negotiate Principal Repayment for Overdue Borrowing?

After the borrowing is overdue, the user should take the initiative to call Alipay customer service**, and then choose to transfer to the borrower, so that they can negotiate with the manual customer service. Usually in **, the user needs to explain the reason for the overdue borrowing, and have a good attitude, so that there is a possibility of successful negotiation. After receiving the application, the manual customer service will review the user, and after the review is passed, the repayment time and repayment amount will be agreed with the user, and if the interest and overdue interest are reduced, then the user only needs to return the principal.

In most cases, after the negotiation is successful, the interest may be reduced to a certain extent, but the probability of full exemption of interest is very small. If the user successfully negotiates and does not reduce the interest rate, then the loan principal and loan interest must be repaid. If the borrower agrees to reduce the interest, the user only needs to repay the loan principal.

Whether you can successfully apply for interest reduction or exemption is subject to the reply of the manual customer service.

There are also some users who cannot successfully apply for negotiated repayment, so they must pay off the overdue arrears as soon as possible. After the borrowing is overdue, in addition to causing bad personal credit, it will also lead to the inability of Huabei and reserve funds.

Of course, the borrower negotiated the repayment successfully. However, not every user with an overdue loan has the opportunity to negotiate successfully, in order to negotiate successfully, overdue users need to pay attention to two points, one is to inform the customer service of the current situation of personal temporary inability to repay. In order to better obtain the trust of the customer service, the user can provide the corresponding supporting materials, usually only if the personal inability to repay due to a major accident can have the opportunity to negotiate, such as laid-off, serious illness, disability, etc.

In addition, the user also needs to let the borrower customer service feel the user's repayment intention, and in the process of negotiation and communication with the borrower's ** customer service, the mentality should be sincere and express the user's intention to actively repay. After the loan is overdue, you must pay attention to the collection of the loan**, and inform the customer service of the current situation of the individual. In fact, whether the negotiation can be successful, it also depends on the final approval result, if the borrower allows the negotiation of repayment, then the user must pay attention to the repayment on time according to the promised time after negotiation, and do not have a second overdue behavior.

There is no transition period for repayment of loans on the borrowing platform, so users cannot be overdue, because the loan is overdue for one day, and the loan overdue record will be uploaded to the central bank's personal credit report. With this loan overdue record, even if the user repays it immediately, the loan overdue record will be stored in the personal credit record for 5 years, and the record will not be deleted until 5 years later, so the loan overdue impact time is particularly long, and if the user applies for a loan on the platform, the user needs to repay the loan in time. Every loan is suitable for early repayment, and prepayment is also a normal repayment.

The borrowing term of the borrowing is comprehensively evaluated by the system, and the status of the borrowing account is different, so there will be differences in the choice of the borrowing term. Generally, there are 3 types of borrowing terms: 3 months, 6 months, and 12 months, and the interest on the borrowed loan is deducted daily. For example, if a user borrows for one month or a few days, the interest rate will be calculated based on the actual use time.