Excuse me. Will it be all right in two days?

Excuse me. Under normal circumstances, repayment cannot be postponed. Although the loan can be repaid after consumption, it cannot be repaid after the last repayment date, and there is no minimum repayment function. Users can only repay in full and on time to avoid overdue. If the user does not repay the loan, it will generate additional overdue fees, and it will also affect the personal credit status. If the default time is too long, you may be restricted from using the loan. If you need to postpone repayment, you can ask customer service to explain the situation, such as the inability to repay due to some uncontrollable factors.

Borrow the method of applying for deferred repayment

Operating environment: AliPay APP version 10.2.36.

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

2) Enter "Deferred Loan _" in the dialog box to inform the customer service of the reasons why the loan cannot be repaid on time, such as being isolated from work and having no income. It is best to provide relevant proof materials, such as some diagnosis certificates and isolation documents, which can not be repaid normally due to the epidemic situation, 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 because there is no money to repay the epidemic, the family has no capital turnover. The customer service may let go and say that some areas can be extended for you after the evaluation during the epidemic period, and then help you apply for a loan deferred repayment certificate.

4) If the application is successful, after 18: 00 the next afternoon, pay attention to my customer service friend Alipay, and you will receive a message of "Reminder of Loan Deferred Repayment Voucher", and then click on the message to collect the loan deferred repayment voucher, which can be viewed in Alipay-Card Package after success.

5) After receiving the loan deferred repayment voucher, it shall be used before the repayment date 13. After successful use, the current loan principal can be extended for 45 days, but the interest generated by the loan needs to be repaid in the current period.

6) If the loan is repaid by installments, then you can discuss a new repayment plan with Ant Financial, and generally pay at least 10% of the total amount owed each month. However, users must explain why they negotiate repayment. For example, because of illness or other reasons, I am unemployed at home and have no financial resources for the time being. However, Bian Xiao suggested that during the negotiation, we should make it clear to the customer service when we can make a profit and when we can repay, and we must clearly express our positive willingness to repay, so that the negotiation can be successful.

Excuse me, is the second day of the repayment date ok?

If the borrower repays the loan on the second day after the repayment date, the system will regard the user as overdue. At this time, in addition to returning the principal and interest payable in this period, it is necessary to pay extra overdue interest. As long as the system generates overdue interest, there will be overdue records uploaded to PBOC's credit information, which will affect users' personal credit.

Therefore, it is very important to repay the loan on time. If the repayment is overdue the next day, it will have more negative effects.

The repayment period of the loan can be postponed for several days.

Borrowing can't delay repayment. On the final repayment date, the user must pay off the arrears, otherwise it will become overdue repayment, which will not only generate interest, but also reduce the sesame credit score. In short, the loan in the loan cannot be delayed, and there is no so-called repayment grace period.

Extended data:

First, how many issues can I borrow?

The longest loan installment can be divided into 12 installments, but how long it can be borrowed depends on the number of installments available on the loan page. Some users have average credit qualifications, and the number of optional installments provided by the system will be less. In addition to the number of installments, you can also choose repayment methods, including paying interest first, then paying the principal, and making equal monthly payments.

Second, can I apply for deferred repayment?

1, Alipay's official answer is: loan application for deferred repayment is not supported, so it is recommended that you repay on time to avoid affecting your use due to overdue. Penalty interest will be charged as scheduled. From the overdue date, default interest will be charged at the normal interest rate 1.5 times. In case of overdue repayment, the system will reduce or close personal loans.

In other words, you must repay the loan on time. As for when to repay the loan, it is generally decided by the repayment date of the first loan. If the first loan time is 10, then the monthly repayment date is 10. You can log in to Alipay and enter the repayment page to check the repayment date.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

App version: 10.2.50

Third, the failure to repay on time mainly has the following three effects:

1. Function restriction: the loan function will directly limit the unavailability after the overdue period, and whether it can be restored after subsequent repayment is evaluated irregularly by the system, so manual intervention is impossible;

2. Negative records: overdue records will be uploaded to Sesame Credit and uploaded to the basic database of financial credit information according to regulations;

3. Overdue interest: overdue repayment will result in an overdue fee of 1.5 times the normal interest rate.

4. How to deal with Alipay after loans overdue?

1, SMS reminder

Alipay is a formal and reliable platform after all. It mainly sends SMS and telephone reminders to inform borrowers of the current overdue amount and how many days it has been overdue. Repay in time, otherwise there will be a series of adverse consequences. At this stage, it is mainly to remind repayment, and there will be no drastic measures.

2. Telephone collection

After all, ant borrowing is an online loan. Even bank loans will use third-party collection companies. The same is true of borrowing. If the borrower fails to repay the loan for more than three months, he may take actions on the account, such as spending money, borrowing money, freezing the loan of online merchants, reducing the sesame score, and restricting some functions. He will also contact the borrower's address book and call for collection every day.

Excuse me. How many days overdue can I pay it back?

The grace period for ants to borrow is within three days. If it doesn't take more than three days, the problem is not too big. Referring to the major banks, we will usually be given three days to repay, and so will the ants. And you can't get the credit report three days overdue, but in order to get a better loan next time, I suggest you repay it on time. If you really forget, you can call customer service to explain the situation.

One: If all the debts can be paid off within three days after the deadline, it means that the repayment ability is basically no problem and there will be no subsequent impact. No matter how good a person's memory is, he will encounter accidents and forget some things. If you are afraid of forgetting yourself, you can set up automatic repayment or set an alarm clock on the repayment date, which can basically solve the problem of forgetting to repay.

Two: if you borrow it, you can't postpone repayment. There is no grace period for repayment. If there is no repayment on the repayment date, the subsequent repayment will be counted as overdue by the user. In other words, even if the repayment is only one minute late, the system will count the user as overdue.

Third, after loans overdue, there will be overdue records to collect credit information, and at the same time, overdue interest will be charged on a daily basis, which will adversely affect personal credit. Moreover, once loans overdue is established, it will lead to the unavailability of flowers and petty cash, and users cannot apply for loans on Alipay when they are short of money.

4: 20211/news, Lending Bao responded that Lending Bao is gradually promoting brand isolation, and many licensed financial institutions, including Ant Consumer Finance Company, will provide users with small consumer credit services.

Five: Future loans will be provided by Ant Consumer Finance Company and become the exclusive brand of Ant Consumer Finance Company. Credit services independently provided by financial institutions such as banks will be displayed on the "Credit Loan" page. In the process of brand isolation, the user's service experience will not be affected, and the core processes such as account opening, audit, interest calculation and loan repayment will not change.

Six: 20211.7 According to the feedback from netizens, Alipay has been updated as a "credit loan", and the loan, review and repayment remain unchanged after the update. In fact, the name change is only to clarify the form of borrowing. According to the official, credit loan is a consumer credit service independently provided by financial institutions cooperating with Ant Financial, which will show the amount and interest rate of consumer credit service providers and users. It is the result of independent examination and approval by financial institutions, and the loan funds applied by users are also issued by financial institutions.

7: 2018 65438+1October 9, according to the news of Shanghai TV, Alipay's small loan product "Ant Borrowing" voluntarily closed some user accounts because of its high leverage ratio, which violated the relevant regulatory regulations of the central bank to control the loan balance.

Eight: The grace period is the way for loans overdue to postpone the credit investigation, which means that although loans overdue, it is within the grace period. As long as the money is repaid within the grace period, this overdue record will not be uploaded to the People's Bank for credit investigation. So, let's take a look at the official statement.

According to the official statement, overdue records will be recorded in Sesame Credit and uploaded to the basic database of financial credit information as required. The basic database of financial credit information here is the personal credit information system of China People's Bank.