My father has arrears for using Huabei, but he died unexpectedly, so does Huabei still need to pay i

Now we're all using itHuabei, but how much do we know about Huabei? If you die unexpectedly, will Huabei still need to pay it back?

In fact, everyone must have thought about this question before, if my father or relatives are in arrears, but they die unexpectedly, does Huabei not have to pay it back?

But the answer is no. Alipay won't be so stupid, and then so much money will be lost in vain. If your loved one dies unexpectedly, then Alipay will do everything in its power to pay back the money.

First of all, the first way is to let the heir pay it back, "The father's debt is paid by the son, and it is justified." "Huabei is using this principle, if the heir of the owner of the Huabei account inherits the corresponding property of the account, then the heir must deduct the amount owed by Huabei from the inherited property to repay Huabei.

What if there are no heirs? If there is no heir, Huabei will also find a way to let you repay through other methods, the first method is that if there is a balance in the account, it will forcibly deduct the balance in the account to repay Huabei, if the balance in the account is insufficient, it will bind your bank card and force the deduction. In short, be sure to let your money be used to pay it back.

Of course, if you don't have money in your account and bank card, then Huabei will ask you to repay it through the last case, auction your inheritance, and use the money from the auction to repay Huabei.

Many people are about to ask, in case I have no heirs, I have no money in my balance, and I don't have any inheritance, so do I still have to repay Huabei? If you are really poor to this point, and there is no heir, then there is no way, Alipay can only treat this account as a bad debt.

Now that I think about it, do you think that Alipay is worthy of being a big company, and Huabei will naturally find a way to make you pay it back. However, although Huabei is good, I still hope that everyone is not capable. Don't overspend too much in advance.

The money spent in Alipay can only be used for emergency relief, but don't mistake the money in Alipay for your own.

Your father's Huabei arrears are personal debts, and if you inherit your father's property, you will have to bear your father's debts during his lifetime, so as your father's property heir, you need to pay off your father's Huabei debts.

Personally, I feel that it needs to be repaid, because Huabei's laws and regulations stipulate that if you die unexpectedly, the balance of Huabei will be deducted from the bank card, and if the balance is insufficient, it will be repaid by relatives.

It needs to be repaid, and Alipay will also automatically deduct the payment, if you bind a bank card or there is a balance in Alipay, it will be deducted.

Of course, you have to pay it back, because this is money owed to the bank, and you can't not pay it back just because someone is dead, which is illegal.

The person died suddenly, Huabei.

The money owed by the borrower needs to be repaid, but the relatives do not inherit the property and do not have any obligation to repay the loan. For the heirs, the rights and obligations are unified, and while inheriting the estate of the deceased, they will also bear the debts of the deceased.

Inheritance Law of the People's Republic of China.

Article 33 stipulates that the inheritance shall pay off the taxes and debts that the decedent shall pay according to law, and the payment of taxes and debts shall be limited to the actual value of his estate. The part exceeding the actual value of the estate shall not be subject to voluntary repayment by the heirs.

If the heir renounces the inheritance, he may not be liable for repaying the taxes and debts that the decedent should pay in accordance with the law.

From the above-mentioned legal provisions, it can be seen that the repayment obligation of the heirs of the estate is limited, that is, the heirs of the estate only have the obligation to repay the debts within the scope of the amount of the property they inherited, and the part that exceeds the amount of the inherited property does not have any obligation to repay.

The two payment software that we usually use are WeChat and Alipay, compared to WeChat, Alipay's functions are more complete, and many functions are very convenient, such as being able to pay electricity bills and water bills in it. Alipay also has a function similar to the application card in the bank, the name is Huabei, this function is based on the system to automatically evaluate the credit ability of the individual to give a certain amount of money to consume in advance, spend money first and then pay back, this consumption method does make many people addicted to it, unable to extricate themselves. Under normal circumstances, if a person borrows money and dies, the family members need to help repay the money, but there are two situations in which the family does not have to repay, one is that the debtor has no heirs, and the other is that the heirs give up the inheritance.

If a person borrows money in Huabei, but does not have any property in his name, then there is no inheritance, although he still has debts, but the relevant company may not be able to find the next family or heir, so it is not necessary to pay it back. There is also a situation where the person has no heirs, so the money owed cannot be transferred to the next person, but can only become a bad debt, which is very rare. <>

In the case that the debtor has an heir, if the heir renounces inheriting all the property of the debtor, then there is no need to pay back the flowers. Because the heir not only inherits the person's estate, but also inherits the person's debts, if these debts cannot be inherited smoothly, then the money owed does not have to be repaid, but when the borrower dies, other property no longer belongs to any heirs. <>

Huabei means in advance of consumption, many young people are very keen on this way of consumption, although the appearance looks very glamorous, but in fact, there are a lot of debts behind it, many people are very easy to lose themselves in Huabei, for their money without a reasonable plan, they fell into an unbalanced state. But repayment after owing money is a must-do, and you should not take chances and let yourself be in debt.

For example, if the person has no immediate relationship with other people, but only survives alone, then the money will not be paid, but if he has immediate relatives or family members, then the immediate relatives have the right to pay off the arrears.

For example, the family does not know about the money, or the money is used to donate to other people, such as for college students, or the family is really poor.

One is that the debtor has no heirs, and the other is that the heirs give up the inheritance. In these two special circumstances, the family does not have to repay.

Hello, if the borrower dies suddenly, whether to repay the loan or not, who should repay, depends on the specific situation:

In the case of a special guarantor, if the borrower's relatives or other third parties have signed a joint and several repayment liability contract with the lending institution when applying for the loan, then in the case of long-term arrears of the borrower, the lending institution will require the guarantor to perform the guarantee obligation and bear joint and several repayment liabilities.

In the case of collateral, if the overdue time reaches about half a year, the lending institution will generally file a lawsuit for the auction of the house with the court, and the auction proceeds obtained will be used to pay off the arrears first.

In the case of an unsecured loan, where neither collateral nor a third party is jointly and severally liable, then the loan does not have to be repaid.

If a person dies suddenly, do you have to pay back the money you owe to Huabei? Jack Ma tells you the answer!

Yao Guoren died suddenly, and Huabei's money is not finished, will it affect the credit of his wife and Erru

I have been divorced for several years and do not have any property, if I die, do I have to pay back the money I owe to the online loan.

The family member or heir to be repaid will pay it on behalf of the family.

If he dies suddenly, then the money owed by Alipay Huabei Du will not be repaid. In fact, this DAO problem, Alipay's customer service has already done it.

gave a clear explanation, and replied that if the borrower of Alipay Huabei unfortunately passed away, and the family was willing to give up this Alipay account, Huabei really did not have to pay it back.

But if the family members weigh some financial assets, deposits, and valuable things in Alipay, and want to continue to use them or log in to view them, they must repay Huabei.

All in all, there is no free lunch in the world, even if people are gone, the money owed by Huabei and borrowing may have to be repaid by relatives, so everyone must consume rationally and live with credit.

Huabei, whose full name is Ant Huabei, is a consumer credit product launched by Ant Financial, and after applying for opening, you will receive a consumption quota ranging from 500 to 50,000 yuan. When consuming, users can advance the amount of Ant Huabei and enjoy the shopping experience of "consume first, pay later".

This answer is provided by Compo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. I hope you find this answer helpful.

When a person dies, do you still need to pay back the Huabei you owe?

Under normal circumstances, the debts owed to Huabei during his lifetime will of course be repaid after his death. If the Huabei user still leaves Huabei arrears after his death, Alipay will first automatically deduct it from the bank card bound to the user, and Alipay has this right. There are also some special circumstances, that is, the user has no relatives or heirs, and the user's bank card balance is not enough to repay Huabei.

In this case, the user's bill will become Alipay's bad debt, and it will be directly written off after normal financial processing.

The loan agreement reached by the borrower from Huabei or from other online loans can only bind the parties to the contract, that is, the agreement in the loan contract, and is only valid for the borrower and the lender. After the death of the borrower, the debts owed by the borrower can only be repaid from the estate, and the heirs do not need to undertake the repayment obligation for debts beyond the scope of the estate. Even if the heirs receive death benefits, funeral expenses, etc., the expenses are not part of the estate, so the heirs are not obligated to use these expenses to repay the debts to the borrower.

The property legally obtained by the decedent can be inherited, while Alipay belongs to an account and does not have property characteristics, so it cannot be inherited. However, the user's funds in the Alipay account are regarded as the user's property, and the acquisition of this property interest can also be guaranteed from the grant of inheritance, so the money can be inherited, and the same is true for the bank account. If you unfortunately pass away, and your relatives do not know their Alipay account, password, or specific balance, they can inquire about the user's relevant information through customer service to delay the submission of death certificates, ID cards, and kinship certificates.

Legal basis] Civil Code of the People's Republic of China

Article 1161:The heirs shall pay off the taxes and debts that the decedent shall pay in accordance with law to the extent of the actual value of the inheritance. The part exceeding the actual value of the estate shall not be subject to voluntary repayment by the heirs.

If the heir renounces the inheritance, he or she shall not be liable for the taxes and debts that the decedent shall pay in accordance with the law.

Article 1162:The execution of a bequest shall not hinder the repayment of taxes and debts that the legatee shall pay in accordance with law.

If there are funds in the account, what should I do when I close the account?

I think from a legal point of view, we, as heirs, inherit the inheritance and inherit the debts, because the rights and obligations of the heirs are the same, they are all unified. If the heir chooses the estate left by the deceased person, then the heir is also liable for all debts incurred by the deceased person before his death. If you want to cancel the account, the balance of funds in the account needs to be 0, depending on whether the account holder has a will.

If there is a testamentary heir, then you need to provide the holder's will, a scanned copy of the front and back of the applicant's ID card, a letter of commitment, and the holder's death certificate.

If it is the legal heir, it is necessary to provide a scanned copy of the front and back of the applicant's ID card, proof of the relationship between the applicant and the holder (each page of the household registration book, or a certificate of kinship issued by the public security organ), a letter of commitment from the applicant, and a death certificate of the holder. (If the amount in the account is greater than 5000, you need to provide effective legal documents, such as legal judgments, and you do not need to provide a death certificate).

In the event of an unexpected death, he owes money to Huabei's account. If he has opened it, it will be automatically deducted from the bank card or Yue Bao. Then it will be deducted directly from it. If it is not opened, then after a certain period of time, it will also be directly deducted from Yue Bao or bank card.

1. Alipay users have no children and no daughters, and there is no balance2. The legal heirs will repay the moneyAnyone who wants to take advantage of the loopholes is impossible, and it can only bring a greater burden to the family if they don't work hard and enjoy the results. It's not easy for people in this life, in fact, being yourself is already a kind of success, so ah, think about your children, think about your parents. Don't put a lifetime of burden on them because of your own faults.

However, if you usually do not repay the money after the deadline, then it will affect your credit report, and the impact of reducing your credit score is still relatively large, although I feel that I have not been exposed to this data usuallyBut if you need to borrow from the bank later, then it is very likely that you will not be able to borrow, because credit information represents a person's credit, if the score is too low, the bank is not at ease to lend you a large amount of money. Therefore, you usually need to pay attention to your financial credit at all times, and don't delay your future credit for the usual small profits, which is very worth the loss. However, now Alipay has brought convenience to everyone, and it is also very popular, and the number of users is also increasing day by day, and the convenience of the people is still very grateful to Ma Yun.