If the loan is not overdue, can I negotiate installment repayment?

To negotiate repayment, you can call Ant Financial's customer service**, which is the only way we know that can be negotiated, and there is currently no online entrance to directly negotiate repayment. However, you can consult manual customer service on **.

If you repay the loan in installments, you can negotiate a new repayment plan with Ant Financial, and generally repay at least 10% of the total amount owed every month. However, the user must explain the reason for the repayment negotiation. For example, if you are unemployed at home due to illness or other reasons, you have no financial ** for the time being.

However, it is recommended that when you negotiate, you should clarify with the customer service when you will be able to have income and repayment, and you must clearly express your positive willingness to repay, so that the negotiation can be successful.

But not everyone can negotiate successfully, what if the borrower is unsuccessful in negotiating a deferred repayment? In this case, it is recommended to sort out your arrears first, sort out the due time and amount, and give priority to the repayment of more urgent loans. If you have a credit card debt, it is recommended to pay the credit card first, because the credit card debt can cause illegal records, such as malicious overdue.

In the end, if you can't afford to repay the loan, you can ask your family for help, because many formal loans are now on the credit report, which affects the personal credit report, and there is no way to remedy it in the future. Find an earning job as soon as possible after settling your repayments, and save more with less money, so that you can slowly make up for your fiscal deficit.

If the loan is not overdue, you cannot negotiate the installment repayment. Credit cards can be installments, and borrowing Huabei can be extended.

Alipay's borrowing Huabei can be deferred repayment, the longest time can be deferred for 3 years, you can postpone such an amount for one year, and you can negotiate only to repay the principal after one year, but the negotiation is difficult, you must try hard, remember that you only negotiate with Alipay, what three parties entrust the company to say a word, credit cards, can be negotiated, according to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks Under special circumstances, If it is confirmed that the amount owed by the credit card exceeds the cardholder's ability to repay, and the cardholder is still willing to repay, the issuing bank may negotiate with the cardholder on an equal footing to reach a personalized installment repayment agreement. The maximum term of a personalized installment agreement may not exceed 5 years. If both parties reach an agreement and sign an installment repayment agreement, the card-issuing bank and its card-issuing business service institution shall stop collecting the cardholder, except in the case where the cardholder fails to perform the installment repayment agreement.

If an oral repayment agreement is reached, the issuing bank must retain the audio recordings. The recording materials shall be retained for at least until the date of settlement of arrears.

If the loan is overdue, the user can apply for negotiated installment repayment, and as long as the negotiation is successful, then the repayment can be made in accordance with the negotiated agreement. If the negotiation fails to repay, the user must pay off the overdue arrears in one lump sum, otherwise the overdue status of the loan will not be lifted, and the user will not be able to apply for other loans during the overdue period. In addition, if the borrowing is overdue, Huabei and the reserve fund will not be available.

If the loan is overdue, you can try to negotiate the repayment, but there is no special reason, and the negotiation is usually unsuccessful. As for the user's frequent overdue, the borrower will directly reject the user's negotiation application.

It is almost impossible for Huabei to borrow a second installmentBecause it is different from a credit card, you can apply for a negotiated installment repayment after the credit card is overdue. This is issued by the regulatory authorities. According to Article 70 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, if the cardholder is indeed unable to repay the outstanding amount, the bank shall negotiate with the cardholder to repay the loan in installments in a fair and impartial manner.

Therefore, it is possible to negotiate installments after the credit card is overdue.

There will be a prompt when borrowing money, and you can repay it in installments. A variety of installments for you to choose from. If you do not choose to repay the loan in instalments at that time.

You can call customer service** to make it clear to them that it is difficult to pay them off at once. Can I repay the loan in installments? You can negotiate with them for specific matters, and the staff will report your application for review and then you can repay the loan in installments.

You can choose to borrow in installments, and you can choose to repay in installments directly on the repayment page of Alipay's borrowing, but you need to bear a part of the interest.

The maximum repayment period is 12 months, and users can choose to repay the loan in monthly installments or in advance. Whether it is an installment repayment or an early repayment, the expected daily annualized interest rate is about the same.

ps.In comparison, credit card installments are more flexible, up to 24 installments, and each installment handling fee is different, which can better alleviate the repayment pressure than borrowing.

There is also a handling fee for borrowing and repaying in installments, but no matter how many installments it is divided into, the handling fee is fixed. When applying for a loan through borrowing, it is best to pay attention to the following:

1. The default installment is 12 months, and users do not need to apply for it by themselves. If you want to make a lump sum payment, you can choose to repay early.

2. To repay the loan in installments, keep in mind the repayment date of each month, which can be found in the application record.

3. You can apply for a loan in multiple times, and each application will occupy the credit line, for example, after you borrow 5,000 yuan, your borrowing line will be 5,000 yuan that cannot be used, but after the payment is not completed, the credit line will be restored partially.

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.

You can negotiate installment repayment with borrowing, and some negotiation repayment skills are available for reference:

1.Explain the overdue situation and financial difficulties to Alipay's official customer service sincerely and truthfully, and apply for deferred repayment and interest discounts, and try to repay in installments. It is best to let the loan platform know that you have a good sense of repayment and attitude to solve the problem.

2.Actively feedback with Alipay's official customer service, collect ** can not be ignored, don't let the loan platform can't contact people, don't deliberately avoid, passive perfunctory.

3.Don't spread your bills out of order, as this will only exacerbate your debt, and work hard to earn money to repay the loan amount in the process, regardless of whether the negotiation is successful or not. Even if it is not enough to repay the full amount, it is still necessary to try to repay some of it while making money, so that the bank can see the sincerity.

4.Strongly express your willingness to repay, and have a relatively clear repayment plan for the next two or three years of repayment, explaining your repayment ideas. Remember not to negotiate with a loan platform in a hurry, because if you are not prepared enough, it will be difficult for the loan platform to approve it.

Operating environment: Alipay version, mobile version:

Extended information: 1. What is the borrowing collection process?

In the early days, Alipay customer service or collection personnel took over, after all, it is a well-known big platform, and the attitude and process are quite standardized, just reminding users of overdue matters and urging early repayment. If it hasn't been returned for more than three months, it will be outsourced to a collection company, and it is very likely that the address book will be blown up and abused at that time, after all, the outsourcing company.

It is to get a commission according to the collection money, and will not pay too much attention to the "details".

Second, there will be no consequences if you borrow.

Generally speaking, if you do not take the initiative to repay the loan on the repayment date, the ant borrows.

Balances and debit cards will be automatically deducted.

If the amount is insufficient and the deduction fails, the ant loan will be deemed overdue by the user. If you still don't pay it back after outsourcing, it will almost become a bad debt.

It is estimated that Alipay will block yours, and it will be very difficult to open it again in the future.

3. The impact of overdue borrowing.

1.Leads to sesame credits.

Decline. Sesame Credit is related to the use of borrowing, and the risk control system will supervise customers in real time, once you are overdue, it will lead to a decrease in Sesame Credit score. For example, if you originally had 700 points, it may drop to more than 600 points after the deadline.

2.Affect the use of borrowing.

Once the borrowing is overdue, it is likely to affect the normal use of the borrowing. If the overdue situation is serious, it may even cause the system to shut down the borrower, and you will not be able to continue to use the borrower in the future.

3.Affect personal credit.

In addition to affecting the Sesame Credit score, the overdue borrowing will also have an impact on the credit of individuals, especially those with serious overdue conditions, which are likely to be uploaded to the credit information system of the People's Bank of China.

Once personal credit is affected, it will be restricted from applying for a card or loan in the future.

After Huabei borrowing is overdue for one year, as long as the user is willing to repay, he can take the initiative to contact customer service to apply for negotiation of repayment. For Huabei and Borrow, as long as the user is willing to repay, it is usually willing to provide some convenience for the user, after all, it is better to recover the arrears than to directly treat the arrears as bad debts. Therefore, as long as the user has a good attitude, he can usually negotiate repayment with the borrower and Huabei.

Of course, negotiated repayment is usually a partial reduction of interest, but after negotiation, the user must repay the loan according to the agreement.

Huabei's overdue will also affect the user's Internet Black Index score, if the Internet Black Index score is too low. A low score on the Internet black index will not only affect the success rate of the mortgage, but also affect the user's Huabei and borrowing amounts, and even cause Huabei and borrowing to be closed.

The impact of the online loan blacklist on individuals is that they are applying for new loans, and it is difficult to approve them again. Although online loans are very convenient now, you must consume rationally, pay attention to repayment on time, and maintain your credit history. When applying for an online loan for a long time, you must pay attention to your online loan big data to prevent it from becoming an online loan blacklist due to blind application.

Just search: Blue Ice Data. Click to query, enter the information to query their own Baihang credit data, the data comes from the national online loan platform and UnionPay, users can query their own big data and credit situation, can obtain various index data, query their own personal credit situation, blacklist situation, online loan application records, application platform type, online loan credit line estimate and other important data information.

Compared with the personal credit report of the central bank, the scope of online loan big data is more extensive, and the institutions issued are more diverse, which is part of the personal credit record and is a useful supplement to the traditional personal credit report.

Huabei, you have already chosen the time of installment when you repay the loan, and you can't negotiate the repayment again. It's the same with borrowing, you can't change the time and method you choose to repay.

Huabei overdue and borrowing overdue are not negotiable.

Huabei overdue and borrowing overdue will incur a fee, and it is a lot, so you can call customer service ** to ask how to apply for installment payment, so I suggest that you have to pay back these two quickly, but it is a bottomless pit, if you do not repay the loan for three months, they will prepare materials for you to sue you.

Alipay Huabei is overdue and borrowing Beibei is overdue, and it is difficult to apply for installments.

This needs to call ** to contact customer service to see if you can tolerate it.

The key is that no one negotiates with you, and you will slowly return it, but it will be a credit report.

There is a minimum payment, and then the rest is paid next month.

There will be no chance of negotiating repayment.

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.

Extended Resources:"Borrow"Current name Credit Loan''It is a loan service launched by Alipay, and according to the different sesame scores, users can apply for different loan amounts. 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.

November 8, 2021 news Alipay"Borrow"The name was changed to"Line of Credit"。In response, Alipay's customer service responded that in order to facilitate 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"Line of Credit"and display the name of the financial institution on the credit page. After this adjustment, the original borrowing, auditing, repayment and other services will not be affected.

In the future, borrowing will be provided by Ant Consumer Finance and will become the exclusive brand of Ant Consumer Finance. Credit facilities provided independently by financial institutions such as banks will be provided in the following areas"Line of Credit"Page display. In the process of brand isolation, the service experience of users will not be affected, and the core processes such as activation, account review, interest calculation, and loan and repayment will not change.

Repayment can be negotiated if the loan is overdue. Users can directly call Alipay customer service**, and after being transferred to manual customer service, explain the reason for their overdue, and apply for negotiated repayment. 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.