What if the online merchant loan cannot be postponed?

How to negotiate deferred repayment of online commercial loans

When users are unable to repay and need to negotiate repayment, they can contact the official customer service of online business loans and then tell them why they want to postpone repayment. At the same time, according to the provisions of the relevant business departments of online commercial loans, submit the corresponding materials. In most cases, only users who meet the deferred repayment conditions stipulated by online merchant loans can apply for deferred repayment. Users can call Alipay's official customer service hotline to explain to the staff why they should delay repayment after entering the manual service. There is no source of income, insufficient funds, etc. The staff will decide whether to agree to the user's deferred repayment according to the user's personal account and other related information. If you want to avoid the risk of being sued for collection, please seize the opportunity to negotiate with Alipay to postpone repayment. Users who want to apply for deferred repayment need to meet the relevant conditions of online merchant loans, specifically in accordance with the relevant provisions of online merchant loans. Under normal circumstances, bank loans are on credit, so users must pay attention to repayment on time to avoid overdue records caused by credit.

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What if I owe a loan to an online merchant and can't repay it?

If you can't repay the online business loan, we suggest that you do the following:

Regularize the funds available at hand, even if they are not paid for the time being, try to pay them back first. Don't directly avoid not paying back, and you can't ignore the dunning messages and phone calls sent by online merchant banks.

Take the initiative to call the customer service of the online merchant bank and make it clear that you don't have the repayment ability for the time being, indicating that you didn't intentionally overdue the repayment. You'd better provide some information to prove that you are willing to repay actively, and then you can try to apply for an extension of the repayment period and repay the arrears in installments. Online merchant banks will generally consider it as appropriate. If one negotiation fails, they can adjust the extension plan and communicate more times.

Transfer and sell the assets under the name, and then use the proceeds to pay off the arrears.

Try to borrow money from close relatives and friends and raise funds to repay the arrears. After the online merchant loan is paid off, the follow-up funds should also be turned over, and then the money should be returned to relatives and friends.

Can the online merchant loan be postponed?

Online business loans cannot be extended. Online merchant loans must be repaid in full and on time as agreed in the contract, and deferred repayment is not supported. If the user really has no repayment ability for the time being, it is suggested that the user can take the initiative to contact and negotiate with the online merchant loan staff in advance to see if he can apply for deferred repayment. If the application is successful, they can run the repayment according to the negotiation result; if not, they can only run the repayment according to the original plan of the contract. Under normal circumstances, the probability of successful application for deferred repayment of online merchants' loans is relatively low.

When signing the loan contract, the online merchant loan clearly stipulates the repayment time in the contract, and the user needs to repay the loan on time according to the contract. If it is overdue, it will not only generate a high penalty interest, but also adversely affect the user's personal credit information and affect the user's future credit loan business. The platform will also arrange staff to collect loans from users, which will affect the daily life of users. Therefore, it is recommended that users must repay on time after handling online business loans.

Can online merchant loans be deferred?

Online business loans cannot be extended.

After the borrower applies for a loan from an online merchant, he can only repay it on time. If he fails to repay after the repayment date, the online merchant bank will count the borrower as overdue. Loans overdue, the borrower's online merchant, and the online merchant bank will report to the central bank for credit investigation and calculate the penalty interest. Moreover, your overdue records will also be recorded in Sesame Credit, which will affect your use of Alipay, and may also affect the use of flowers and loans.

Online merchant loans can neither apply for deferred repayment nor support negotiated repayment. The lender must repay the loan principal and interest as agreed, and there will be a lot of penalty interest after the deadline. Penalty interest is also a problem that the lender will eventually solve, thinking that negotiation will not work in the future.

Online business loans are formal loans. Lenders should not exert repayment pressure on negotiated repayment or deferred repayment, but must be prepared to repay in full and on time. Don't damage personal credit information because it is overdue. The pressure of penalty interest will make the lender's debt pressure even greater.

Therefore, when applying for online business loans, lenders need to comprehensively consider individual repayment ability, borrow within the scope of economic conditions, and be more rational when lending, so that the possibility of overdue in the future will be reduced by one point.

Can the online merchant loan be postponed?

Online commercial loans can be extended through telephone negotiation. If the customer really can't afford it, he can call the online merchant to apply for a loan, call the hotline 95 188, and turn to "3" for consultation.

When applying for extension of negotiation, you should first explain your personal situation to the customer service staff, explain the reasons why you are temporarily unable to repay, and provide relevant information as evidence to actively express your willingness to repay. Then you can try to put forward an application to extend the repayment period and repay the arrears in installments, and the online merchant bank will consider it as appropriate.

Online business loan is an operating loan launched by online merchant banks for small and micro business owners and individual entrepreneurs, which can meet the capital needs of users in the course of business. The online merchant bank is an internet bank initiated by Ant Financial as the major shareholder. Not everyone can apply for online merchant loans. Online merchant loans only provide loan services for shopkeepers of Alibaba's major online shopping platforms, and credit conditions are very important.

Online business loan is not only a credit classification, but also a loan product. The credit classification of online merchant loans includes Ali credit loans, online merchant loans, Taobao/Tmall credit loans and AliExpress loans.