Borrow the application process of deferred repayment

1. Open Alipay APP, click "My"-"My Customer Service"-"Online Customer Service"

2. Enter "Borrowing for Delayed Repayment" in the dialog box, and truthfully tell the customer service the reason why they can't repay on time, and then provide relevant proof materials that can't repay normally.

3. After the customer service is approved, the user can pay attention to the "friends" and "my guests" of mobile phone Alipay after 18: the next afternoon, and will receive a message of "Reminder for Borrowing Deferred Repayment Voucher", and then click on the message to collect the Borrowed Deferred Repayment Voucher, which can be viewed in Alipay's "Card Package" after successful collection.

4. After receiving the loan deferred repayment voucher, it needs to be used before 13: on the repayment date

. After successful use, the principal of the current

loan can be extended for 45 days, but the interest generated by the loan needs to be repaid

in the current period. Borrowing is a loan service launched by Alipay. According to different sesame scores, users can apply for different loan amounts. The longest repayment period of borrowing money is 12 months, and the daily interest rate of the loan is .45%. The application threshold is that the sesame score is above 6.

operating environment: apple 13 IOS15 15.1.1 AliPay app9.2.2

1. can I postpone the repayment if I borrow it?

under normal circumstances, you can't. The official reply is: there is no grace period for borrowing, and it is not supported to apply for deferred repayment. However, under special circumstances, for example, at this stage, if the borrower is a hospitalized or isolated person infected with COVID-19, an isolated observer for epidemic prevention and control, a staff member participating in epidemic prevention and control, and a crowd temporarily losing their income source due to the epidemic, it is possible to try to apply for deferred repayment from Alipay online customer service. The key is to obtain a deferred repayment voucher.

2. how to apply for deferred repayment?

1) Open Alipay and click "My"-My Customer Service-Online Customer Service;

2) Enter "Borrowing for Deferred Repayment _" in the dialog box to inform the customer service of the reasons why it can't repay on time, such as being isolated from work and having no income. It is best to provide relevant proof materials that can't repay normally due to the epidemic situation, such as some diagnosis certificates and isolation documents, and wait for the customer's reply.

3) at first, the customer service will only tell you that there is no deferred repayment service, so that you can repay on time. You insist that there is no money to repay due to the epidemic, and there is no capital turnover for family members. The customer service may let go that some areas can be extended for you after evaluation during the epidemic, and then help you apply for a loan deferred repayment voucher.

4) If the application is successful, after 18: the next afternoon, you will pay attention to my customer service friend, Alipay, and you will receive a message "Reminder for Borrowing Deferred Repayment Voucher", and then click on the message to collect the Borrowed Deferred Repayment Voucher, which can be viewed in Alipay-Card Package after successful collection.

5) After receiving the loan deferred repayment voucher, it needs to be used before 13: on the repayment date. After successful use, the principal of the current loan can be extended for 45 days, but the interest generated by the loan is required to be repaid in the current period. Finally, I want to remind you that not everyone can successfully apply for deferred repayment.