Will you really visit your household registration after the deadline?

Alipay generally does not visit household registration. According to Alipay's customer service description, even if the borrower is overdue, Alipay will not send someone to the household registration to collect debts. If Alipay investigates or collects debts by visiting overdue users' household registration, on the one hand, it will waste a lot of manpower and material resources and generate huge operating costs, on the other hand, it will easily lead to disputes or conflicts and generate a lot of negative news.

Although Alipay generally does not go to the borrower's domicile to collect debts, overdue Alipay will still have a greater negative impact on overdue people. Taking overdue loans as an example, if the circumstances are minor, it will affect the ant's credit score and personal credit investigation, and impose a penalty interest; If the circumstances are serious, the overdue person will be prosecuted by Ant Group.

Alipay's overdue payment may have the following consequences for the borrower:

1, penalty interest

Alipay overdue loan will bring penalty interest, which will be charged at 0.5 times of the original interest of 65438+. If loans overdue, it will not only continue to collect interest on a daily basis, but also collect liquidated damages of 1.5 times on a daily basis. Calculation formula: overdue interest = overdue amount × overdue days× interest ×1.5;

2. Collect in various ways.

If Alipay pays loans overdue, Alipay may make a dunning by phone or SMS. According to the specific loan situation, if the circumstances are serious, legal channels are not ruled out;

3. Being sued, assets may be seized.

For users who have failed to collect many times, Alipay will solve it through legal channels. If you don't pay back the arrears, the amount is relatively large and you will be prosecuted. Once the court has pronounced the sentence, the borrower must execute the repayment ruling. Otherwise, the court will seal up the property under its name according to law and repay the arrears with the proceeds from the auction;

4. Credit damage

Alipay loans overdue will affect personal credit. The situation of Alipay loans overdue will be uploaded to the central bank's credit information system at the same time, which will affect the credit life such as loans in the future. Bad credit records will also have a negative impact on sesame credit.

Therefore, I would like to remind you that even if Alipay will not visit the household registration, you must maintain a good credit when using Alipay to borrow money, because overdue may have serious consequences and will have an impact on future loans. I hope everyone can maintain good credit.