Huabei and borrowing are overdue at the same time, which should be repaid first

Look at the flowers. And which date is close to the borrowing will be returned first. After all, one more day will give you one more opportunity and one more glimmer of hope.

The second is that at the same time, then you must at the same time, if the money is not enough, then you can pay the minimum payment in installments, which can alleviate your economic crisis.

If you can't turn over the funds due to special circumstances and can only repay the loan of one party, then you can try to communicate with the lenders on both sides to see if you can extend the repayment date or reduce the overdue penalty interest. If one party passes after the negotiation, then you can choose to repay the other party's money first, but if you can't negotiate, in order to avoid your credit being affected, it is recommended to find a friend to borrow money to repay. For most of the current loan platforms, if the borrower is overdue, then its overdue information will be reported to the relevant authorities for credit, and the bad credit will be recorded, which will have an impact on subsequent mortgages, car loans and other loans, so it is recommended to repay as soon as possible whether the borrower is overdue or the online loan is overdue.

Extended information: 1. **Alipay Huabei will not repay the money after the deadline.

1) Personal credit will also be reduced, sesame credit score.

Less than 600, 2) to buy a house, it is difficult to get a loan to buy a car, even if it is done, the amount will be very low.

3) Can't enjoy high sesame points.

benefits: For example: you need to pay a deposit to open a house, and you also need to pay rent to rent a car.

2. After the online loan is overdue, if the arrears cannot be paid off for a long time, the lending institution can sue the court and apply to the court for enforcement.

If the lender does not have any property in his name that can be enforced and refuses to fulfill the effective judgment of the court, negative information such as late repayment will be recorded in the individual's credit report and will be restricted from high spending.

and entry and exit, and may even be subject to judicial detention.

3. You should know that if the borrowing is overdue, it will not only affect personal credit.

In addition, there will be a penalty interest for late payment, which is 1,5 times the normal rate. Of course, some online loan platforms will also charge penalty interest for users who are overdue, so whether it is overdue or overdue, it is recommended to maintain a good repayment habit and improve your credit qualifications.

Whichever expiration time is near, which one will be returned first.

Extended Information: Serious overdue will face:

1. Bear high overdue fees.

For overdue fees, different online lending platforms have different names and different charging standards. Whether it's called overdue penalty interest, overdue management or other various names, the fees are very high. Therefore, if you have the ability to repay the loan on time, you should never overdue.

2. Bear the fancy collection of the platform.

Collection is generally divided into three stages: the first stage, just a few days overdue, the platform customer service mm softly and warmly reminds, telling you that you have been overdue, please repay on time; In the second stage, if it is overdue for a long time, the platform's customer service will seriously warn that it will face serious consequences if it is overdue; In the third stage, after a long time of overdue, the platform no longer persuades each other and begins to take practical action.

There are many kinds of practical actions, such as: the platform pushes your arrears information to your relatives and friends, so that you lose face in the circle of friends; The platform arranges special collection personnel to collect door-to-door, face-to-face communication and accounting. Of course, these are still relatively mild.

Some platforms outsource the collection and collect it by a specialized collection company, and the collection company that broke out some time ago is "violent collection", and I believe that borrowers are unwilling to encounter it.

Third, facing a national crisis of confidence.

At present, online lending platforms have established a blacklist system, and blacklist platforms have begun to communicate with each other. If you don't repay your loan on one platform, it will be difficult to borrow it on other platforms. In addition, online lending platforms will publicize the blacklist through their own WeChat, Weibo and other online channels, and even on large screens at railway stations and airports.

Let the people of the whole country know that these "old fools" borrow money and do not pay it back! Of course, except for those who owe money in bad faith, the average borrower will not go this far.

Fourth, the People's Bank of China's credit report produces stains.

At present, most online lending platforms have not yet been connected to the credit information system of the People's Bank of China, but access to the credit information of the People's Bank of China has become an inevitable trend. In the future, if the online loan platform fails to repay the loan overdue, it will be recorded in the credit information system of the People's Bank of China in the same way as bank loans and credit card overdue, resulting in credit stains. If the previous consequences are just disgrace, then the stain on the credit will affect the actual life, if you want to buy a house, you can't get a loan, you can't get a mortgage if you want to buy a car, and so on.

5. The defendant goes to court.

After the loan is overdue for a long time or deliberately does not repay, and the amount exceeds 2,000, it can already constitute a crime of fraud, and there is a risk of being sued by the online loan platform in court. Once the court rules in favor of the online lending platform, the borrower will have to pay the litigation costs and huge fines of both parties in addition to the amount that needs to be repaid, and even face jail time.

Huabei and borrowing do not have overdue negotiation and repayment services. Huabei and borrowing are the services launched by Alipay for the public, which can be spent first and then repaid, which is more convenient. If you really can't repay, you can choose the minimum installment repayment, Huabei can repay 10% of the total amount first, and the rest can be postponed to the next month, but the rest needs to pay interest, and the specific interest rate fluctuates according to the fluctuation of the bank's RMB interest rate, about.

1. Huabei and Borrower did not negotiate repayment.

Try not to postpone the repayment time of Huabei, so that you can not bear the corresponding interest, just like using a bank credit card. Users can choose to postpone repayment on the Huabei page to postpone repayment, and users need to pay a certain handling fee to use the deferred repayment function. The details are as follows:

1. If the deferred repayment amount is greater than or equal to 100 and less than 300, the handling fee is 2 yuan. 2. If the deferred repayment amount is greater than or equal to 300 and less than 500, the handling fee is 5 yuan.

Generally, it is not negotiable, but you can also try to negotiate, and it may be easier to negotiate after the deadline.

For users, borrowing and spending can be done at the same time, so they should plan their working capital well and try to ensure that both can be repaid on time. The most important point is that it is easy to say that any platform that exceeds the time limit, can not exceed the time limit of the 4 major banks, the 4 major banks exceed the time limit to reach 90 days, do not accept the ** negotiation, go to the legal flow can have penalty interest, penalty interest is very expensive, it is the penalty interest after the court summons comes! So don't mess with the four families!

Others call ** to pick up, and they can't bargain! Don't be like me and don't talk about conditions!

Deferred payment platform consultation As for what you say, many collectors are unwilling to help you do this, the best way is that you don't pay back the bank credit card first, the bank is the state has regular management of money, this money can not be owed for too long, and then save some money every month, there is a platform to pick up **, and also said that no interest is charged with the principal of each platform, customer service is also very happy, but you said installment, extension, do not want to help!

If the borrowing and Huabei are overdue, it is not possible to negotiate the repayment of the principal, and there is a need for a certain amount of interest after the overdue, which needs to be returned, and if the interest is not returned, it may also affect their own credit, which will lead to personal problems in their credit reporting.

This is generally not possible to negotiate the repayment of the principal, because you can't find relevant customer service for borrowing and Alipay's Huabei, and the customer service will not violate the rules for you alone.

In such a situation, it is not possible to negotiate the repayment of the principal, because both functions have their own rules and regulations, and they will not change the rules just because you are alone.

Even if the customer is temporarily unable to repay the loan, it is difficult to negotiate repayment only of the principal. The daily interest rate is about 1/10,000 and 6/10,000, and the penalty interest is calculated at the normal interest rate, and the customer needs to repay all the outstanding principal and interest。However, customers who are not yet clear can try to contact customer service to request an extension of the repayment period and repay the amount owed in installments.

In this regard, loans will be considered on a discretionary basis.

It is advisable for the customer to clarify their situation during the negotiation, indicating that they are not deliberately overdue, but really have no ability to repay, and then can provide corresponding supporting materials, remembering to express their willingness to actively repay. In fact, as long as the repayment in North China can imply full repayment within the specified repayment period, it can enjoy the treatment of an interest-free period, and only repay the principal, and no interest will be accrued. If you can't repay the bill in full on time, you can apply for a deferral of repayment and postpone all the bills for one month, as long as the customer ensures that the repayment is made in full on time before the repayment date of the next month (inclusive), no interest will be accrued, and only the principal will be repaid.

If you choose the minimum repayment amount, you will incur revolving interest; If you choose to pay your bill in installments, you will incur an installment fee, although there is no interest.

As for borrowing, as long as you borrow, interest will be accrued. Even if you borrow money on the same day, you need to pay one day's interest, and only the principal is generally not available. If it is overdue because it has not yet risen, it will also incur a penalty interest rate of the normal interest rate multiple.

Unless the customer receives the interest-free amount of borrowing and obtains the interest-free coupon, then there is a chance to repay only the principal. Of course, Huabei can only repay the principal when he receives the interest-free coupon. If the negotiation extension is successful, the customer can repay the outstanding amount in monthly installments.

After discussing a new repayment plan with customer service, you can repay the arrears on time and installments according to the new repayment plan (you need to pay attention to avoid a second overdue, otherwise the extension is likely to be recovered, and then you will be asked to pay off the money in a lump sum in advance).

When a loan is overdue, the user should take the initiative to call Alipay customer service** and then select Transfer to Loan to negotiate with manual customer service. Usually in **, the user needs to explain the reason why the loan is overdue 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 agree with the user on the repayment time and amount.

If the interest and overdue interest are reduced, the user only needs to return the principal. In most cases, there may be some reduction in interest after successful negotiation, but it is very unlikely that the interest will be waived completely。If the user negotiates successfully and does not reduce the interest, the loan principal and loan interest must be returned.

If the loan agrees to a reduction in interest, the user only needs to return the principal amount of the loan. Whether the interest waiver can be successfully applied for is subject to the reply of the human customer service.

It is possible to negotiate the repayment of the principal, but the attitude of negotiation must be better, but it is more difficult.

I think it is possible to apply for a deduction of overdue penalty interest, borrower's interest and borrower's overdue penalty interest.

OK. Under normal circumstances, it is very simple to apply for the second installment of Huabei borrowing, as long as you go to Alipay's customer service to call **, explain the situation, as long as the user and the other party negotiate well, it is usually possible to negotiate 12-36 months of installments.

Users need to pay attention to the overdue do not worry, let alone disappear, there is a collection ** must be received, and then explain the situation to the other party, the most important thing is to express the willingness to repay, as long as you negotiate well, you can usually apply for a second installment.

Try not to overdue, you should be ready to repay the money with this money, you can't say that now my capital chain is broken, and I can't afford to pay it back. And then it doesn't matter. You don't care, the platform won't give up the money, people lend you money, you naturally have to take the money back, and in the end you don't have an attitude and owe more moneyThe other party may use litigation to ask for this money, and if you owe money for this behavior, it will be very difficult for you to buy a house and a car in the future.

Yes, but the overdue time should not be too long, otherwise it will affect the individual's trust problem, and then it will also affect the individual's subsequent consumption.

Hello, Alipay's borrowing Huabei itself is a credit tool, if you are overdue, of course you can, but just can, can, it doesn't mean that you should do it, and it doesn't mean that you have no problem doing it. If you borrow money, you should pay it back on time. After all, when you borrowed this money at that time, you knew that the money would have to be repaid in the future, and now you have no money, and you have to overdue, so there is no way to do this.

However, it will affect personal credit reporting.

Ask if there are any consequences for overdue repayment.

If the question is overdue, it will also be called**.

I won't hit ** after paying it back.

Asked a question, got it.

According to the overdue repayment, will you hit ** after repayment?

No, because once it is overdue, your credit value will be lowered, and your credit will be lowered, so you must not overdue.

No, if it is overdue, your Alipay will not be able to be used, and overdue will also affect your credit information.

Huabei borrowing is overdue within 7 to 30 days: Ant Huabei can't apply everything normally in this link. However, in this link of loan repayment, you can apply for reactivation or restoration of the credit limit, but the repair is not based on the system software announcement.

Loans overdue for more than 30 days: Ant Huabei cannot be used for a long period of time, if the personal credit history such as online shopping is good afterwards, it can be as short as one year, and after 3 to 5 years, Ant Huabei management authority may be reopened.

1. Nowadays, the most serious situation of Ant Huabei's loan overdue is the personal credit report of the first bank at the conference.

2. If the loan is overdue for a short time and has already been repaid, it is not easy to get on the personal credit reporting system software of the bank, but it may endanger my sesame credit score.

3. If the loan is overdue for a long time, but it is not easy to repay it immediately after receiving the Alipay wallet reminder, it is not easy to get on the personal credit reporting system software of the bank.

4. If the overdue amount of the loan is very large, it has not been repaid for more than a year and the long-term standby on the mobile phone cannot be contacted, then the overdue record of Ant Huabei is likely to be the personal credit report of the first bank at the conference.

In the end, Ant Huabei or don't overdue the loan, Alipay wallet is the 2nd of each month out of the previous month's credit card bill, if you really can't afford it, then you have to replace the minimum repayment, this number of professional knowledge will cause some loan interest, but it is not easy to overdue the loan.