Will future installment payment not affect Alipay?

What will happen in the next issue (these consequences should be known)

Interest on future installments is very high in Alipay's loan.

Alipay includes online loan (borrowing money), BOC consumption, Huarong consumption, China Post consumption, Yin Bao consumption, recruitment finance and installment. At present, only a few openings are known, and the installment interest is the highest. Close to three points of monthly interest.

What will happen if we do it in stages (I don't owe personal experience)

If you borrow 3000 yuan and don't pay it back, it will not only visualize Alipay's sesame credit, but also affect the People's Bank of China's credit reporting. Now that the credit information is unified, the negative information of sesame credit on Alipay will also be updated to the People's Bank of China for credit information. I wonder how long it will take. This has a great impact. After the mortgage, car loans and credit cards will be affected.

It is best not to be overdue, even if it is overdue, it should not exceed 3 months. . . . Banks that are overdue for more than 3 months are very fancy. As long as there are three months overdue, bank loans will not work.

3000 yuan, you can borrow turnover from friends, there is no need to pay it back after the deadline! !

It's no big deal to survive the collection! However, during this period, your emergency contact and address book can be exploded, and it is overdue and you can't borrow from other banks. Staging is the most disgusting thing. Call dozens of times a day. If you don't answer, you will call the emergency contact you set up. If the emergency contact can't get through, you can call everyone in your address book one by one. If they have a company in your household registration, they will arrange someone to come to your home for collection, which is very unlikely. Then I can only sue you if I can't find you, and you will become a faithless person, or if I can't contact you, I will become a faithless person. There is a time difference here: if you haven't lost your phone number, you won't burst your address book. After about 15 days, they will be threatened to call home to collect money, and then they will not return it, and the collection calls will become less and less. After about 1 month, I will occasionally call to remind you, send a lawyer's letter after 2 months, and sue after 3 months. When you sue you, you pay back the money, and he will drop the lawsuit. So far, I don't know if I can get credit information from the central bank in the next issue, but there will definitely be hundreds of lines of credit information, which means that once you are overdue, it will not be easy to borrow money from other platforms, and the money will still be paid back. If you really don't want to return it, 3000 is not worth it! The owner of the fun shop doesn't say whether you want to return it or not, just as a gift, no need to return it! I feel like I'm leaking something.

What will happen if Alipay doesn't repay in installments? Will it affect bank loans in the future?

If there is any impact, the loan will be stopped and part or all of the loan will be recovered in advance.

The "general principles of loans" have corresponding provisions:

Article 71 Under any of the following circumstances, the lender will charge interest on part or all of the loan: if the circumstances are particularly serious, the lender shall stop paying the unused loan of the borrower and recover part or all of the loan in advance:

1. Failing to use the loan for the purpose specified in the loan contract.

Second, the use of loans for equity investment.

Third, engage in speculative business with loans in securities and futures.

Extended data:

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Laws and regulations related to the general principles of loans:

Article 71 Card-issuing banks shall not outsource core business such as credit card marketing, contract (agreement) signing, credit approval, transaction authorization, transaction monitoring and fund settlement to card-issuing service institutions.

The acquiring bank shall designate the lead management department of acquiring business, and undertake the responsibilities of coordinating and handling the qualification examination, registration management, equipment management, advance fund management, risk management and emergency response of special merchants.

Article 72? Lenders should establish a loan management system with separate approval at different levels. The examiner shall verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions and submit for approval according to the prescribed authority.

Baidu encyclopedia-general rules for loans

What effect will it have if it is divided into three years?

Have a great influence.

1, late fee. According to the customer service in the future installment, if it is overdue, a late fee will definitely be charged on a daily basis, generally calculated at 0.05% of the unpaid amount. The calculation formula of late payment fee for future periods = current repayment amount * overdue days *0.05%. It can be seen that the late payment fee is still relatively high.

2. Credit report. Whether the next installment will be collected depends on the lender's analysis. If the employer is a new network bank, the small partner will definitely collect it at the meeting after the deadline, but if it is a loan platform such as crossing the bridge, it will generally not be collected. Once reported to the credit bureau, it will have a great impact on our future financial business.

3. Reduce the sesame credit score. It is reported that there will be cooperation with Alipay in the future. Once overdue, it will definitely leave a negative record, which will lead to a decrease in the borrower's sesame credit score. Only after the borrower repays the loan, it is possible to delete the negative record by providing the corresponding repayment information and sending it to the official mailbox.

4, burst the address book. Once the installment is overdue, the borrower will generally be collected by SMS, telephone, etc. According to some users' feedback, the next issue will explode the address book. For us, our daily life will be greatly affected, even our personal reputation will be affected. So remember to repay on time, and don't be overdue. ?

Won't Alipay be blacklisted for installment repayment?

If it is overdue, it will be fried in the address book, and then sesame seeds will drop 100 points per second. It is best not to be overdue.

As a popular staging platform for domestic white-collar Internet users, future staging can be handled only by work permit, ID card and bank flow. The maximum loan is 500,000 yuan, and the repayment is easy and stress-free. If the bank collects bad credit, will Alipay collect bad credit in installments?

What is future staging?

Future installment is a platform to provide installment services for people with high credit. Anyone with a sesame credit score of more than 600 can apply for staging. Chinese mainland, except Xinjiang and Tibet, has been opened.

Alipay installment credit description:

Alipay staging is a platform to provide staging services for people with high credit rating. As long as its sesame credit score exceeds 650 points, it can be extracted by stages, and the amount of extraction can increase with the increase of extraction times. The maximum loan amount is 6,543,800 yuan.

Of course, there is no free lunch in the world ~ Alipay is also a public platform, and you have to make a credit report if you don't pay back the money. So for your personal credit report, you can record the loan transaction, so that both sides are guaranteed and mutually beneficial!