Borrowing negotiation skills to postpone repayment for two years

If you negotiate overdue repayment, you can call Ant Financial Customer Service Hotline. At present, there is no entrance to directly negotiate repayment online. After the deadline, users need to call Alipay customer service hotline to inform the customer service of the reasons for the overdue. Then submit valid proof materials to prove that your repayment ability is insufficient. Secondly, you need to show your repayment attitude and tell the customer service that you can only repay the principal, not the interest and penalty interest. Generally speaking, only under very special circumstances will interest and penalty interest be reduced or exempted.

When users apply for deferred repayment, they must clearly express their positive willingness to repay, and the negotiation can be successful. When users are unable to repay, they need to sort out their debts first, and then sort them out according to the due time and amount, and the more urgent loans will be repaid first. If you have credit card arrears, it is recommended to give priority to credit cards, because credit card arrears will cause illegal records.

Operating environment: oppo Reno 5pro v11.1AliPay app 10.2.38.

First of all, the negotiations were successful.

1. After Alipay agrees to postpone repayment negotiation, you should ask how much interest can be reduced and settled after maturity. At this time, the customer service will not say that it can be reduced for you. This is their request, but you must emphasize that after 1-3 years, you can save enough money for your current bill.

2. After reunification, Alipay will generally ask you to submit materials. Just submit the documents prepared before according to the method. If you can't produce some proofs, such as poverty proof, try to explain the reasons to Alipay and replace them with other proofs that can prove your current difficulties, such as credit+income proof.

3. After both parties reach an agreement through consultation, you will generally be informed of the negotiation results by SMS or email.

2. How long is the general consultation period?

Mainly depends on their own negotiation skills, and some need multiple feedbacks, so a fast week is enough, and a slow one takes about 3-4 weeks.

3. Will the interest on bills paid after successful negotiation continue?

Will continue, Alipay is also afraid that you will not repay, so the bill will still be displayed and developed normally.

4. Will the interest during the extension period be reduced?

Yes, but some of them may need to be explained through consultation, because Alipay is ready for your relief.

1-3 years later, Alipay will not give you an extension, prosecution or payment order, and will finally agree to your relief request.