Can you negotiate repayment in installments, and how to negotiate repayment when installments are ov

1. Installment music.

It is possible to negotiate repayment, and after the overdue installment, you can negotiate with customer service about repayment. If the user wants to repay the loan but lacks personal ability, he can contact the official staff and explain that the current economic situation is really not able to repay, and apply for negotiation to repay. If the user is really unable to repay, he can first process the monthly repayment or the minimum repayment.

2. Problems encountered in negotiating repayment in installments:

1. Analyze your current situation, if the funds are slightly rich, the first choice must be to repay on time, the installment interest is calculated on a daily basis, and the installment interest = the unpaid principal Daily interest rate The number of days of borrowing. Now the daily interest rate of the installment is about the monthly interest rate.

Generally around the annual interest rate.

It could be as high as 42%!

2. If you really can't afford it, it proves that you have reached a certain point, and it is recommended to stop taking out loans and refuse to repay them directly.

3. Collection intervention, this time period is the most difficult period of time, and the collection will explode your address book and send some fake lawyer's letters.

Give it to you, don't pay attention to it, at this time you have to start crying miserably (the collection will not sympathize with you, but you have to cry miserably), show that you can't repay, and whether there is any other way to communicate (generally the first direct refusal)!

4. Protracted battle, the general collection will threaten you with all kinds of intimidation, and some collectors will express special sympathy for you, remember, you must insist on about half a year, at least three months, just don't repay!

5. Negotiate repayment, if the long-term collection cannot get the normal effect, they will use a trick: interest-free only repay the principal, at this time you can negotiate with the collector to repay according to the monthly repayment amount, and waive the liquidated damages.

and interest, basically will agree!

3. After the user successfully applies for the loan amount, he must repay the loan in full and on time, so as not to affect his personal reputation. For installment music, there is a chance that the loan can be repaid by negotiating repayment, which is better than the borrower who has been delaying. Borrowers need to note that negotiating repayment is only a suspension of interest calculation, but an instalment fee will be charged, and the previous interest must also be repaid.

In general, if you really can't afford to pay it off at once after the installment is overdue, you can take the initiative to contact customer service to see if you can negotiate the repayment. As for whether the negotiation can be successful, it depends on the willingness of the installment party and the attitude of the borrower.

If you encounter some special circumstances that lead to inability to repay, you can apply to the platform to apply for a postponement of repayment or a reduction of some penalty interest and interest, but after submitting the application, you need to wait for the review of the installment music, and the approval will be successful before the negotiation is successful.

If the platform does not agree to negotiate the repayment, then the loan must be repaid as agreed, and once it is overdue, it will bear the following consequences.

1. Credit will be harmed.

2. It will be collected by the platform.

3. Penalty interest will be incurred.

4. The loan amount will be frozen or reduced.

5. Installment Club requires early settlement of bills.

6. Affect other loan applications.

7. The evaluation score will be reduced.

8. Unable to enjoy preferential policies.

9. Malicious overdue will be prosecuted.

In order to avoid this situation, and you can't pin your hopes on negotiating repayment, you can take into account your income situation before using installment money, and don't bring too much debt pressure to your future life.

Just search: Know the check. Click to query, enter the information to query their own Baixing credit data, the data comes from more than 2,000 online loan and UnionPay platforms across the country, users can query their own big data and credit situation, can obtain various indicators, query their own personal credit situation, online black index score, blacklist, online loan application records, application platform type, whether overdue, overdue amount, credit card and online loan credit estimate and other important data information.

Extended Information: How do I cancel my installment?

If you want to cancel the loan of the installment platform, the user can select the setting option in the personal account interface of the mobile installment app, and then you can see the management option on the account security page, and select the cancellation option to operate the cancellation.

After the user selects the reason for cancellation and submits it, the system will review and confirm that the user's loan has not undergone sensitive operations such as changing the password or changing the binding information in the past month.

And there are no outstanding orders, transactions and services, and we will help close the account at that time.

In addition, if the same mobile phone number and ID number are associated, the second and multiple cancellations can only be cancelled after 30 days.

Also, you can cancel it up to 3 times in a year (365 days).

And if the user has opened the Lehua card and the opening bank is Bank of Nanjing or Industrial and Commercial Bank of China, then the Lehua card account needs to be cancelled first, and then the installment card account can be cancelled.

The above is the conditions that must be met to cancel the installment music, if the conditions are not met, the system cannot be cancelled, and it cannot be operated manually.

Installment negotiation repayment requires the customer to fill in a personal reduction application, and then negotiate the repayment only after the approval of the installment company, that is, only the principal is repaid. For some customers who are overdue for a long time, the installment company will agree to negotiate repayment, which can also recover part of the loss.

In fact, it is generally difficult to negotiate repayment, and most online loan platforms will not easily agree to negotiate repayment! If you choose to negotiate on your own, then you need to look at the right time when you negotiate, bow your head when you need to, but be tough when you need to be tough.

When applying for a loan in installments, you need to pay attention to:

As much as the platform provides to customers, customers can only apply for as much as they want. The maximum credit line of installment is 50,000 yuan, and the maximum loan amount for a single order is generally 5,000 yuan (subject to the page display).

If the available amount is lower than the minimum loan amount, the customer is temporarily unable to borrow, and can only pay off the previous loan first, and then borrow after the amount is restored (the minimum loan amount for the installment cash withdrawal business is 300 yuan, of course, the specific page display shall prevail).

Hello answer. The success rate of applying for negotiated repayment is not high, so it is best for users to prepare relevant supporting materials and submit them together with the application for negotiation, so as to increase the chance of passing the review.

Ask how to make the installment happy without exploding the address book.

Will it still be on the credit report after the negotiation repayment is successful?

The answer can't be prevented, you just need to drag it out until he is impatient and says it will explode. You can tell your collector clearly that you will pay it back, you need to wait a few days, and if you blow up the address book, I won't pay it back. You'll usually be given a few days.

If you don't overdue, you won't be on it.

Question: Will the negotiation be successful?

Ask a question about what to say about negotiating repayment. Can you tell me a general answer and give me a suitable reason: due to external factors that caused the loan not to be repaid on the repayment date, due to unemployment or illness, etc.

Cardholders who meet these two conditions can directly call the customer service of the issuing bank, explain to the customer service that they are not maliciously overdue, and tell themselves the reason why the credit card cannot be repaid, and then they must be approved by the bank. As long as the bank recognizes your reason, the interest suspension account is half the success.

OK. Installment music.

When negotiating repayment, the customer needs to fill out an application form for personal relief.

Then, after the approval and approval of the installment company, the repayment can be negotiated, that is, only the principal can be repaid. For some customers who are overdue for a long time, the installment company will agree to negotiate repayment, because this can also recover part of the loss. If the loan borrowed on the installment loan is overdue for more than a year and has not been repaid, the customer can contact the customer service of the platform for negotiation, and if there is really no ability to repay, you can try to apply for interest reduction.

As for whether it can be interest-free in the end, it depends on the evaluation and review of the installment platform. However, it is estimated that it is difficult to successfully waive the interest, for customers who have no ability to repay, most of them agree to extend the repayment period or repay the arrears in installments after considering the appropriate, but the corresponding interest generated during the overdue period still needs to be repaid. It is recommended that customers should develop a good habit of being able to repay the loan on time and try to avoid overdue situations.

If it's overdue, you should also find a way to pay off the arrears as soon as possible. Even if you really can't pay off all the arrears in a short period of time, you still have to raise funds and be able to repay little by little, so that you can prove your willingness to actively repay in the process of negotiating repayment. Don't deliberately evade and not repay, if the overdue circumstances are serious, the installment platform may be sued.

Negotiate repaymentIf the online loan is overdue, it is recommended that the borrower must actively negotiate and take the initiative to repay, and it is best not to wait for the overdue collection of the online loan to come before negotiating, you can take the initiative to contact customer service to negotiate repayment before the overdue, give a grace period or reduce the interest, and you can play several times**. And then you have to know it.

Sincerity, when communicating with the collector, you need to be sincere, after saying the difficulties, you need to express a good willingness to repay, and list your own repayment plan, but also explain that you have work income, and you are working hard to raise money. In addition, it is also necessary to take reasonable action and retain relevant evidence, if there are non-compliance areas in online loans, such as membership fees and audit fees, etc., or if there is a phenomenon of violent collection, you can retain relevant evidence, and negotiate after understanding certain legal knowledge, and the words must be paid attention to.

After the installment is overdue, you can negotiate with customer service about repayment. Although the installment will continue to collect from the borrower after the overdue period, as long as your previous credit is good, you can explain your current economic situation and your own repayment willingness to the customer service, and after the customer service agrees, you can fill in the personal reduction application, and after the installment company has passed the review, you can negotiate the repayment.

Extended information: 1. The interest on overdue installments is very high. Although the interest rate seems to be not high, the interest rate is really high after the overdue date, because his daily overdue interest is multiplied and multiplied, if you don't pay it back for a long time, you may not be able to pay back the accumulated interest at all. Finally, young people still stay away from online lending platforms.

When you have no ability to repay, you may be cornered by these online loans.

2. If you want to negotiate the repayment of your installment, you can open the personal center, click on the customer service to go in and express your willingness to the customer service, and explain that your current economic situation is really not able to repay. The customer service may agree to your negotiated repayment based on your credit. Young people are still staying away from online lending platforms.

In any case, it is best for young people not to consume in advance, the most hurtful thing about early consumption will only be themselves, the high interest rate of those online loan platforms is secondary, if you don't pay money one day, these platforms will violently collect on you, beat your ** and even your family's**, and finally force you to be desperate, the best way is not to borrow online loans.

3. Then you have to negotiate repayment with Installment Le, so you can use this to prove that you have the idea of active repayment. Then the customer can show the installment that he does not have the ability to repay the loan for the time being, so he is unable to pay off the arrears for a while, and he is not intentionally overdue (he can provide corresponding supporting materials, such as proof of termination of the labor contract, etc.). After that, you can try to apply for an extension of the repayment period and repay the arrears in installments, which will be considered at your discretion.

If the installment loan agrees, then the customer can negotiate a new repayment plan with the installment company, and then repay the loan on time according to the new repayment plan in the new repayment term. Of course, you also need to pay attention to the fact that if you can't prove that you really don't have the ability to repay, then you won't agree to the installment. If the installment refuses, the customer has no choice but to find another way, such as borrowing money from relatives and friends to repay the loan.

Hello, it's a pleasure to serve you! I am Mo Yu A high-quality financial respondent, good at answering bank payments, social security, insurance, taxes, etc.! I have received your question and am searching for data, please be patient for a while

If you want to negotiate a postponement of repayment, you need to fill out a personal application form for reduction and reduction, indicating your willingness to repay and explaining 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.

In addition, the interest on the installment loan is calculated on a daily basis, and the formula for calculating the installment interest is interest = unpaid principal daily interest rate The number of days borrowed, the current daily interest rate of the installment is about the monthly interest rate, and the annual interest rate is as high as 42%, so the overdue repayment time is too long, and the interest is very high.

Question: What should I do?

Try it first, how do you know if you don't succeed if you don't try.

Smug] asked him, this has exceeded the interest rate set by the state, hasn't it?

Dear, the laws of the country do not matter.

The interest rate allowed by law is 24%.

If you have already returned more than 24%, you can ignore more than 36%, which is usurious or even if the other party takes it away for you, you can also ask for a return.

Okay, I can't figure it out for the time being, I won't count, let's talk about it when they urge.

Thank you, for example, if you borrow 1000, if he calculates the annual interest rate, it is 1000 24% The annual interest rate is 240.