Alipay is overdue for one year, will it be verified at home?

Home delivery is impossible. In the early stage, it was a SMS reminder, and then the debt collection company would appeal, and the circumstances were serious. As long as there is a repayment record, it is not fraud, and it will be paid off in time.

1. Subject to penalty interest.

First of all, Alipay's overdue loan will have a penalty interest, which will be charged at 0.5 times of the original interest of 65438. Then if loans overdue continues to collect interest on a daily basis, it will also collect a penalty of 1.5 times. Calculation formula: overdue interest = overdue amount × overdue days× interest × 1.5.

The second is to collect through various means.

If Alipay is overdue, Alipay will collect it. For example, call or SMS dunning. According to the specific loan situation, if the circumstances are serious, legal channels are not ruled out.

Third, if 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 the arrears, you will be prosecuted if the amount is relatively large. Once the court makes a verdict, even if you are reluctant, you must execute the "repayment ruling". Otherwise, the court will seal up the property under your name according to law and repay the arrears with the proceeds from the auction.

Fourth, credit is damaged.

In addition, the consequences of Alipay loans overdue are: affecting personal credit. The overdue situation of Alipay loans will be uploaded to the central bank's credit information system simultaneously, which will also affect the credit life such as loans in the future. Of course, bad credit records will also have a negative impact on sesame credit.

Extended data:

On 20 16, 10 and 12, Alipay charges 0. 1% service fee for excess cash withdrawal, and 0. 1% service fee for individual users who exceed the free cash withdrawal limit, with a basic free cash withdrawal limit of 20,000 yuan per person. In addition to cash withdrawal, services such as consumption, wealth management, insurance purchase, mobile phone recharge, water, electricity and coal payment, registration, payment of traffic fines, transfer to Alipay account by mobile phone Alipay, and credit card repayment will not be affected.

From 201610 June 12, the funds newly transferred by users from the balance to Yu 'ebao can only be transferred back to the balance, but not directly to the bank card. ?

Baidu Encyclopedia-Alipay (Third Party Payment Platform)