After the unfortunate death of a Huabei user, do I need to pay back the money I owe to Huabei?

Nowadays, many young people prefer to pay in the way of Huabei, so if Huabei users unfortunately pass away, whether the Huabei money owed needs to be repaid, I believe that many people are more concerned about this issue. In fact, China's law stipulates that the legal lending relationship is protected by law, so if the borrower has an inheritance after shopping in Huabei, then his heirs need to repay the arrears of Huabei when inheriting the estate, that is to say, if the borrower does not leave any inheritance, then the debts of Huabei will be directly canceled, and the heirs of the borrower are not obliged to repay the debts of Huabei for him, and the fees do not belong to the estate, so the heirs are not obliged to repay these expenses. <>

Under normal circumstances, if we use Huabei, we must repay it at the specified time, otherwise it is very likely to be on the credit list, I believe everyone should know that if you are on the credit blacklist, the consequences are very serious, and it is likely to affect the credit of the individual, of course, it will directly affect the future loan problem, not only Huabei, no matter what kind of borrowing platform should be repaid in accordance with the regulations, Huabei itself is convenient for everyone to consume in advance, so some people habitually use Huabei to pay, I have to say that Huabei is indeed a very convenient payment software, if you repay it every month, will not affect personal credit problems, and Huabei does not have any interest, of course, in the absence of overdue. <>

In fact, using Huabei to pay has become a habit for many people, even if they have money, they don't want to use the money to buy things, because everyone wants to use Huabei to pay, and then repay it according to the specified time, of course, if it is overdue, the platform will also sue in the form of a lawsuit, and the user itself is protected by law in this way of borrowing, so don't be this kind of person who has no reputation, in fact, the Huabei platform and individuals are the relationship between borrowing and borrowers. <>

It needs to be repaid, and it will first see if there is any money in the user's bank card, all the money will be executed by Huabei, and relatives will also have to take responsibility.

If he has an inheritance, the heir needs to help him pay it back. If you don't have an inheritance, you probably don't have to pay it back.

It definitely needs to be repaid, and it is natural to repay debts. You can choose to have the user's family pay it back.

If a Huabei user unfortunately dies, Ma Yun said that the money owed does not have to be repaid.

But there is a precondition for Jack Ma to say thisbeforeIt is mentioned that this deceased Huabei user has no legal heir!In other words, unless you are an orphan and have no children, then even if you die, you still have to pay back the money you owe to Huabei.

Some people say: "Why do you have to pay back when people are dead and the accounts are gone"?

Someone else said: "It's just that you are so rich, are you still missing this money, so inhumane"?

Second: The deceased's Huabei has arrears, but the balance in the deceased's Alipay is not enough to pay off the arrears, so the legal heirs of the deceased must pay off the arrears. If it is not repaid for a long time, it will also lead to the suspension of the accounts of Alipay, ** and other accounts of the legal heirs of the deceased, and even the personal credit of the bank will be affected.

Most young people have the habit of using Huabei to pay, and Huabei has also brought us a lot of convenience, but Alipay is a company that needs to make a profit after all, so it must be returned in time after using Huabei, and the consequences if you don't return it are still very serious.

First of all, if you don't return Huabei, there will be a lot of interest, as long as Ant Huabei is overdue, there will be penalty interest, and the daily interest rate is!

After Huabei is overdue, your Sesame Credit score will drop, and Sesame Credit is also frequently used in our daily life, such as online car-hailing, using shared bicycles, and even buying a house loan will also investigate your Sesame Credit.

Finally, the most serious situation, if Huabei is overdue, it will be reported to the central bank's credit system, if the credit is blacked, travel will be restricted, it is forbidden to go on the highway, and it is forbidden to take trains, high-speed rail, airplanes and other means of transportation, ** can not go, which has a very big impact on life.

So here it is, tooI advise today's young people to consume rationally, Huabei can be used as an emergency tool, but the money in Huabei does not belong to us, and it must be returned in time after using Huabei!

With the development of science and technology and the popularization of smart phones, cash banknotes have begun to be no longer practical, and people used to need to carry a variety of belongings when they went out.

But nowadays, people only need to carry their own mobile phones, and all their personal property is stored in their mobile phones, which undoubtedly brings some trouble to the people.

The popularization of Alipay has made people's lives more convenient, especially Huabei, which has solved the urgent needs of many people, but some netizens have raised their doubts about the function of Huabei, if Huabei users unfortunately pass away, what will happen to the money owed?

Ma Yun answered questions at a press conference, a reporter asked about Huabei's functions, "If a Huabei user unfortunately dies, what will happen to the money owed?" This question was not designed in advance, and the reporter's question was also a whim, originally to embarrass Ma Yun, but after listening to it, Ma Yun smiled faintly and said the most official answer.

After the death of a Huabei user, the money lost in Huabei will be contacted by the family of the deceased, and the family or heirs will be responsible for the repayment of the money. If the deceased has no father, no mother, no children and no daughter, then he will not have to repay Huabei's arrears alone.

The answer to objective human nature is very official, including not only the inevitable legal issues, but also the human nature, estimating the psychological feelings of the user. I have to say that Alipay's brand emotional card is surprisingly good, and Ma Yun's words highlight the corporate image, alleviate negative problems, and turn evil into good fortune, which can be described as killing multiple birds with one stone.

Although Jack Ma is now relegated to the background, his spiritual image has always represented the image of Alibaba. This man from a humble background who relied on his own enthusiasm and continuous efforts to make progress finally ushered in his own success, because starting from the bottom, he better understood the needs of the common people, had more experience in the work, and had a long-term vision, and had to admire his business acumen before others explored business opportunities.

Today, Alibaba is no longer just a powerful company, but also an industry with its own image and culture. Such an achievement is inseparable from the efforts of founder Jack Ma. As the proudest company in China, Alibaba has brought a lot of benefits to the people in recent years, and I believe that this company will become better and better in the future.

In the eyes of many young people, money is actually a number, so it is difficult to stick to this number within a certain range. Therefore, many young people are simply in a state of not having enough money to spend. At present, if the business is not good, the salary is low, and there is no entrepreneurial direction, you have to worry about the living expenses of the car loan and the housing loan every month.

If you want to change the status quo immediately, contact Siqi T666 and then 999I'll take you through the changes! As a result, credit cards or flower beds attract the attention of many young people, especially flower beds. In the past, Alipay has been carried out for more than ten yearsThe presentation of flower beds ensures people's consumption at a certain level, but every time people change flowers, it is also the most worrying time.

However, there is also such a question, that is, the flower shop user unfortunately passed away, what to do with the money owed to Alipay? Jack Ma's reply is ideal! Of course, everyone knows that everyone's flower garden quota is differentIt's all within a few thousand yuan, but some bosses' flower beds are so high that they reach 50,000 yuan.

However, the flowers must be lent at a certain time, so don't try to escape from the flowers. No matter how you escape, Alipay can find you. But the unfortunate death of a florist user is an irresistible element, so what about the florist's debt?

The user unfortunately passed away. What should I do if I owe money to Alipay?Jack Ma's reply is ideal! I wonder if you have a better opinion on this?

Some people will be very lucky, thinking that Alipay will not be able to find me if I don't pay it back. If everyone has your idea, Alipay can't be so big, so win. Whether it is a young person or a person who likes to spend early, you must look at Alipay rationally.

And many people have credit cards in their hands, and the consumption of credit cards is similar to the consumption of flowers, and it is also the kind of early consumption. It's not good to consume early, we must develop good habits, and don't let early consumption affect our lives.

Now Alipay has become very common, and even for many netizens, since Alipay, the current credit card is useless, this is due to the current Alipay Huabei function, which is basically the same as a credit card.

Since there is a network, our life has indeed undergone a great change, now there is only a place with a network, our food, clothing, housing and transportation can almost be achieved through mobile phones, and now there is mobile payment, but also to provide great convenience to our lives, speaking of mobile payment, Alipay is one of the most popular mobile payment software, we all know, Alipay in the Huabei function has been very popular, it is understood, Alipay Huabei has lent out 300 billion, the amount is very large, then if the Alipay user unfortunately dies, Huabei and borrow the money owed to pay back？Jack Ma gave the answer.

Ma Yun said that the system will automatically repay, but the premise is that the user's Alipay still has a certain balance, or there is a balance in the bound bank card, and it still has to be enough to repay, but if there is not enough money, it is equivalent to Huabei overdue repayment, and according to the overdue process, it is "debt collection" from the beginning.

With the advantage of overdraft consumption in advance, it has attracted a lot of young people with poor consumption levels, and if the user is not able to repay on time, then a large number of late fees and interest will be generated, and if it is not repaid for a long time, it will also lead to the suspension of Alipay, ** and other accounts, and even the bank's personal credit will be affected.

Huabei can solve our urgent needs when we are shy in our pockets, and it can also test our integrity. But Huabei will make us spend lavishly. Moreover, if Huabei money has not been repaid within the time limit, Alipay, ** and other accounts may be frozen, and even personal credit will also be affected.

I don't know, do you pay back the flowers on time every month?

Credit collection has its own rules, if a person suddenly starts not to repay, there will be a collection to verify the borrower's situation, if the person has died, then the priority is to check whether there is an institution that can directly authorize the deduction of the fund account,If not, according to the five-level classification of non-performing credit, after more than three months, it will be turned into concern.

Legally speaking, the acquisition of a natural person's capacity for civil rights begins at birth. The termination of civil rights capacity refers to the extinction of a natural person's civil rights capacity upon death, and the credit card holder who is a natural person has died, and his or her civil rights capacity will naturally cease. Well, the debt to the credit card,If the debtor dies, his inheritance shall be returned.

From the lender's point of view, the debt does not endanger the family. Formal and perfect microfinance companies or banks, the system is relatively complete, in our application for credit cards, Huabei,At the same time as borrowing or some microcredit, these companies have already issued insurance in the name of the applicant, similar to Bank of Communications, Huaxia Bank, etc.

In fact, a person's civil rights follow him from birth, but disappear with him after death. It's a bit of a stretch to put it bluntly, it's money owed to a credit cardIf the person dies, the bank will first check whether they have assets or whether someone has inherited themIf there is none, then the bank can determine that the money cannot be recovered and treat it as a bad debt.

Whether it is a Huabei or a credit card purchase, you will owe money to Ant Financial or the bank from the date of consumption. Under normal circumstances, when the cardholder does not repay the money, if the credit card exceeds 10,000 and does not repay for three monthswill be suspected of credit card fraud and will be subject to criminal liability.

If the credit card is deducted many times and is unsuccessful, it will be contacted, and if you can't contact you, you will contact the contact person provided when you apply for the card, and then you will come to the door according to the unit and home address providedThe amount that cannot be recovered will be treated as bad debts, and accountants in the financial industry have special bad debt treatment funds for withdrawal every year.

The money owed by Huabei and credit cards will not be wiped out with death, if the deceased has an inheritanceIf the heir gives up the inheritance, the creditor will enter the judicial auction to repay the arrears.

Ma Yun said that if Alipay users have no heirs and there is no deposit in the bank card, then the bills owed by Alipay Huabei do not have to be repaid. If there is an inherited user's deposit, then Alipay's bill needs to be repaid.