Do you send text messages every time?

Does Borebei send text messages?

Explain that users who have applied for loans on the platform and are overdue have used you as an emergency contact or the phone calls between the two parties are relatively frequent, and the platform has determined that the relationship is close, so the borrower cannot be contacted or the borrower is When the repayment attitude is negative, a reminder text message will be sent to the contact's mobile phone.

There are two main reasons. The first is that the debtor does not know him, but he makes many calls, such as express delivery, takeaways, customers, etc.; the second is that the user’s mobile phone number is " "Old card", the previous owner had more contact with the debtor.

Loan repayment method

(1) Equal principal and interest repayment: that is, the sum of the loan principal and interest is repaid in equal monthly installments. Housing provident fund loans and commercial personal housing loans from most banks adopt this method. In this way, the monthly repayment amount is the same;

(2) Equal principal repayment: that is, the borrower will evenly distribute the loan amount and repay it in each period (month) during the entire repayment period, and pay the same amount at the same time. A repayment method that clears the loan interest from the previous transaction day to the current repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Monthly interest payment and principal repayment on maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [with a period of one year] Applicable to the following (including one year) loans], the interest on the loan is calculated on a daily basis, and the interest is returned on a monthly basis;

(4) Repay part of the loan in advance: that is, the borrower can apply to the bank to repay part of the loan amount in advance , the general amount is 10,000 or an integral multiple of 10,000. After repayment, the loan bank will issue a new repayment plan, in which the repayment amount and repayment period will change, but the repayment method will remain unchanged. And the new repayment period shall not exceed the original loan period

(5) Repay the entire loan in advance: that is, the borrower applies to the bank to repay the entire loan amount in advance. After repayment, the lending bank will terminate the loan. loan and go through the corresponding cancellation procedures.

(6) Borrow and repay at any time: The interest after borrowing is calculated on a daily basis, and one day is used to calculate the interest. The payment can be settled in one go at any time without penalty

Interest refers to the remuneration paid by the borrower to the lender for obtaining the right to use funds. It is the capital (that is, the principal loaned) within a certain period of time. usage price. Loan interest can be calculated in detail through the loan interest calculator.

In civil law, interest is the legal interest on principal.

The benchmark interest rate is a universal reference rate in the financial market. Other interest rate levels or financial asset prices can be determined based on this benchmark interest rate level. Benchmark interest rate is one of the important prerequisites for interest rate marketization. Under the conditions of interest rate marketization, financiers measure financing costs, investors calculate investment returns, and management regulates the macro economy. Objectively, a generally recognized benchmark interest rate level is required as a reference. Therefore, in a sense, the benchmark interest rate is the core of the interest rate marketization mechanism. To put it simply, if you usually deposit money in the bank, it will give you interest. The larger the base interest rate, the more interest; the smaller the base interest rate, the smaller the interest. Will there be text message notifications for borrowing money from Jiebei?

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There will be text message reminders for borrowing money from Jiebei. After the user successfully borrows money, Ant Jiebei will send the loan result, amount and payment status to the mobile phone number bound to Alipay of the Jiebei user. At the same time, the user can also log in to the Alipay mobile client and enter the relevant page of Jiebei to make inquiries. . Ant Jiebei is a small loan lending service. The system determines the amount of the loan based on a comprehensive assessment of the borrower's consumption situation and personal credit situation. "Jiebei" is a loan service launched by Alipay. According to different Zhima scores, users can apply for different loan amounts. The maximum repayment period for Borrowed is 12 months, and you can repay as you go. Will Alipay send text messages after using Ant Jiebei?

Alipay’s Ant Borrower will send text messages after use.

The maximum repayment period of Jiebei is 12 months, and the daily interest rate of the loan is 0.045. You can borrow and repay at any time.

Jiebei is a loan service launched for Alipay. The current application threshold is that Sesame points are above 600.

Depending on the score, the loan amount that users can apply for ranges from 1,000 to 300,000 yuan.

The various behaviors of users on the platform are dynamic and changing, and the corresponding quotas are also dynamic. When the user's behavior is good within a period of time and complies with the quota increase policy, the corresponding quota may be increased.

Extended information

1. Alipay accounts must complete real-name authentication

Alipay real-name authentication is an identity recognition provided by Alipay (China) Network Technology Co., Ltd. Serve. After passing Alipay real-name authentication, you are equivalent to having an Internet ID card.

Since Ant Borrowing is a credit loan, each person’s identity information must be verified in order to obtain preliminary qualifications.

2. The account status is normal

It means that the security of the personal account must be improved, such as binding a mobile phone, applying for an Alipay digital certificate, common network environment (such as home), and not being hacked. freeze.

If the user account status shows abnormality, then Ant Borrowing cannot be opened. To prevent criminals from stealing the user account, apply for Ant Borrowing and then withdraw the money.

Baidu Encyclopedia-Baidai