Can I apply for an extension if I have money to spend?

Do you have money to spend on postponing the negotiation?

If you have money to spend, you can negotiate an extension.

If there is money to spend during the special period of the epidemic, you can negotiate to postpone repayment.

As a credit service brand owned by Du Xiaoman, Du Xiaoman has been connected to the central credit system. If it is overdue, it may leave a stain on the borrower's credit report, and there will be a penalty interest. Whether we can negotiate, you can call the official customer service phone to communicate.

Du Xiaoman has access to the central credit information system at present, and if it is overdue, it will leave a stain on the credit information report. If the amount owed is too large, or the loan company has a local business outlet, it may come to the door, but most companies adopt negotiation methods, such as exempting certain interest.

Can I negotiate a deferred repayment 1-3 years if I have money to spend?

1. Can I negotiate a deferred repayment if I have money to spend?

Generally speaking, in the absence of special reasons, it is not supported to negotiate deferred repayment with money.

If you are short of money, you can contact your relatives and friends to pay. For the specific method of asking others to pay, you need to consult the rich official customer service.

Of course, there may be some special reasons, such as no income during the epidemic, major diseases or sudden disasters. You can try to contact the customer service with money and see if you can negotiate an extension of repayment, depending on the actual situation.

Second, the specific impact of having money to spend on repayment time.

If there is money to spend, negotiation is not supported, and users cannot repay on time after the due repayment date, then overdue will occur.

1, overdue penalty interest.

From the date of overdue, the default interest at the agreed interest rate of 150% shall be charged daily for the overdue amount until it is paid off.

2. The credit information report is overdue

When overdue, how much overdue, how long overdue and other related contents will be truthfully reported to the People's Bank of China for credit investigation, thus affecting personal credit.

You can't continue to borrow if you have money.

The loan funds can't be returned on time, which shows that the economy is tight and the repayment ability is limited, and the suspension of normal use of money is the result of risk control.

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How can I apply for deferred repayment if I have money to spend?

Provide proof of non-repayment and negotiate with official personnel.

Under normal circumstances, it is not allowed to postpone repayment with money, but if the borrower can provide proof that he is temporarily unable to repay due to unemployment, loss of work ability and other reasons, he can negotiate with the official customer service staff with money to postpone repayment. Users can negotiate repayment by installments according to their own conditions or formulate other personalized repayment methods with rich flowers.

Umoney (formerly known as Baidu Qianhua) is a credit service brand under Du Xiaoman Finance, and its positioning is to provide personal consumer credit services for the public. The brand is characterized by convenience, quickness and worry-free. Its product lines include "Qianhua-All Easy Loan", "Qianhua-Exclusive Loan" and "Qianhua-Short Term Loan", covering daily consumption, education, medical beauty and other scenes.

Can I postpone spending money?

1. There is money to spend, and repayment cannot be postponed. Please pay back on time according to the bill. In case of overdue, a penalty of 150% of the overdue amount shall be charged daily, and a credit report shall be made in strict accordance with the requirements of the People's Bank of China. Due to the overdue payment caused by your own problems, the credit record cannot be revoked.

2. Long-term overdue users can't continue to borrow, and they need to pay off all the debts before they can continue to try to borrow. If it is overdue frequently, your quota may be reduced or cancelled. It is recommended that you repay on time, so as not to affect your personal credit. In addition, keeping a good loan record will help you pass the loan review smoothly and may get a higher amount.