How do online merchant banks negotiate 60 repayment periods?

How to negotiate 36 online commercial loans

Online business loans are generally not allowed to apply for an extension of 36 repayment periods. The repayment period of online merchant loans is generally 12 months. If users want to extend the repayment period, they can take the initiative to apply for consultation with online merchant banks. At present, few users can successfully apply for extending the repayment period. As for whether it can be successful, it mainly depends on the approval results of the online merchant bank.

Online merchant bank is the first domestic commercial bank whose core system is based on cloud computing architecture initiated by Ant Group as the major shareholder. As one of the first five private banks approved by China Banking Regulatory Commission, it officially opened on June 25th, 2005.

The online merchant bank officially opened on June 25th, 2005, 2065438. It is one of the first batch of private banks in China approved by CBRC. The online merchant bank is also the first technology bank to build its core system on the financial cloud without offline outlets.

Based on the financial cloud computing platform, online merchant banks have the ability to handle high concurrent financial transactions, massive big data and flexible expansion, and take advantage of the Internet and data technology.

As a bank that focuses on providing financial services to more small and micro enterprises and individual operators, the mission and vision of online merchant bank is "meticulous".

In recent years, the development of science and technology has greatly increased the availability of small and micro loans in China. More than 30 million small and micro operators have used non-contact loans from online merchant banks, and the average household loan is less than 40,000, of which 70% operators have never obtained operating loans from banks in the past.

In the next five years, "building a Chinese-style open bank" is the core strategy of online merchant banks. Driven by science and technology, we will further open up to supply chains, rural areas and financial institutions, and adhere to the principle of low profit and universal benefit. Online merchant banks hope to provide new ideas for the development of global open banks through practice.

Online merchant banks participated in the capital increase, shareholders emerged, and Wanxiang Group's capital increase of 654.38 billion shares was finalized.

20 10 On June 8th, Zhejiang Alibaba Microfinance Co., Ltd. opened. The initial intention of Ali Finance is to help small and micro enterprises in China solve financing problems, and it has also become the predecessor of online merchant banks.

2065438+On September 29th, 2004, China Banking Regulatory Commission announced that it approved the establishment of Zhejiang online commercial bank.

2065438+On May 27th, 2005, China Banking Regulatory Commission issued an announcement, approving the opening of Zhejiang Online Commercial Bank Co., Ltd., and approving its registered capital of RMB 4 billion.

On June 25th, 20 15, as one of the first pilot private banks in China, the online merchant bank announced its official opening in Hangzhou, and set the goal of serving100000 small and micro enterprises within five years.

How does online merchant loans overdue negotiate to postpone repayment?

When users are unable to repay and need to negotiate repayment, they can contact the official customer service of online business loans and then tell them why they want to postpone repayment. At the same time, according to the provisions of the relevant business departments of online commercial loans, submit the corresponding materials. In most cases, only users who meet the deferred repayment conditions stipulated by online merchant loans can apply for deferred repayment. Users can call Alipay's official customer service hotline to explain to the staff why they should delay repayment after entering the manual service. There is no source of income, insufficient funds, etc. The staff will decide whether to agree to the user's deferred repayment according to the user's personal account and other related information. If you want to avoid the risk of being sued for collection, please seize the opportunity to negotiate with Alipay to postpone repayment. Users who want to apply for deferred repayment need to meet the relevant conditions of online merchant loans, specifically in accordance with the relevant provisions of online merchant loans. Under normal circumstances, bank loans are on credit, so users must pay attention to repayment on time to avoid overdue records caused by credit.

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What if I owe a loan to an online merchant and can't repay it?

If you can't repay the online business loan, we suggest that you do the following:

Regularize the funds available at hand, even if they are not paid for the time being, try to pay them back first. Don't directly avoid not paying back, and you can't ignore the dunning messages and phone calls sent by online merchant banks.

Take the initiative to call the customer service of the online merchant bank and make it clear that you don't have the repayment ability for the time being, indicating that you didn't intentionally overdue the repayment. You'd better provide some information to prove that you are willing to repay actively, and then you can try to apply for an extension of the repayment period and repay the arrears in installments. Online merchant banks will generally consider it as appropriate. If one negotiation fails, they can adjust the extension plan and communicate more times.

Transfer and sell the assets under the name, and then use the proceeds to pay off the arrears.

Try to borrow money from close relatives and friends and raise funds to repay the arrears. After the online merchant loan is paid off, the follow-up funds should also be turned over, and then the money should be returned to relatives and friends.

What are the skills for overdue negotiation and repayment of online loans? I really can't afford it. What should I do?

In June 1 1, some netizens gave me a consultation document for my own reference. I negotiated with AliPay according to the method. I don't know if it's because I'm more than three months overdue or because of negotiations. Alipay is a little looser than before. But I haven't negotiated yet, and I usually don't have time to rub my teeth with them.

The following is a consultation reference.

What needs to be clear is that Alipay has a phased and deferred policy, but it is very difficult. The negotiation period is 50-60 days. Staging: The total arrears will be phased, with a maximum period of 60 months. Extension: The maximum extension can be 5 years: 1-5 years. Personal experience is suitable for trying to apply for a one-time settlement of the principal within 30,000 yuan (no collection, normal interest).

The key to negotiation and staging is to find out the illegal points of Alipay, and then go to the relevant departments to complain, so as to force Alipay to agree to our requirements. Because Alipay flower buds and loans are formal, there is no problem that the loan itself is illegal. The infringement point can only lie in the illegal collection after the deadline. Therefore, after the deadline, we must consciously collect illegally collected evidence. Such as telephone recording, threatening text messages, chat records, etc. , need conclusive evidence. This is the key to the success of negotiations and preparations.

Complaint channel: (1) customer service. Call 95 188 and say that Zhejiang Banking Regulatory Bureau asked me to negotiate with you first, but the negotiation failed. Zhejiang Banking Regulatory Bureau intervened in mediation. Call 95 188 and turn to Manual 2 to apply for debt restructuring.

(2) Zhejiang Banking Regulatory Bureau. Online merchant bank belongs to Zhejiang Banking Regulatory Commission. Wechat Zhejiang Banking Insurance Regulatory Bureau. Zhejiang unified government consultation complaint reporting platform, the official WeChat account with leading departments, wants to write about finance.

(3) Letters and visits: national letters and visits or Chongqing letters and visits, pay attention to WeChat official account. Write a small loan and a complaint letter in Chongqing Ant Mall. Chongqing Ant Microfinance Co., Ltd. (4) Chongqing Financial Management Bureau. The official account of WeChat is Chongqing Local Financial Supervision Bureau. I want to write and leave a phone number for interactive communication, and then they will call back to help feedback. Then Alipay will contact you and ask you to issue a poverty certificate. The number to contact you for negotiation is 95 188 (official phone number of Ant Financial Service). After the negotiation is successful, stop collecting money and deduct money, that is, Alipay will deduct money if it has money, so don't put money in Alipay and the bound bank card.

(5) Look at your lender in the contract. Then find the bancassurance supervision bureau where the lender is located and make a complaint. (6) Black cats complain. Try this, too For those who can't write a complaint letter, they can go to the black cat to complain and find samples. There are many letters of complaint on it. How to write words, skills and letters in negotiation: when negotiating, you must be tough and let the other party know that you are not easy to mess with. The focus is on stating the difficult situation, not maliciously overdue. After the deadline, the online loan actively negotiated installment repayment. Not only does he disagree, but he also ignores your life and death. He sent a third party to collect you violently, which led to your family separation, depression and hospitalization of your parents. Be sure to tell the harm and consequences of the collection, so that you can't live now and don't want to live. Ask if online loans should force people to die? How to complain and denounce this piece, everyone should seriously understand, how to make up words and organize pronunciation, which is the focus of your complaint and negotiation.

Three stages after the debt broke out: 1 to 4 months is the dunning period, and 5 to 6 months is the door-to-door period; 7 to 9 months is the repayment plan for the litigation period: 1, mortgage; 2. cards; 3. Alipay WeChat other card problems: give priority to solving large amounts, do personalized staging, avoid lawsuits, and stop losses in time. After a large lawsuit, it will include liquidated damages and penalty interest. If left unchecked, the cost will increase and the risk of being sued will increase. On the small amount problem: when to solve it once, because the litigation probability is low;

My negotiation has arrived. Let me make a proof of difficulty. I don't know what to do about this matter, thinking that I don't owe much, so let's talk about it at the end of the year. The money must be paid back, and negotiation is a last resort at present. If you have a good idea, please share it.

Contact customer service more. If not, you can use drag and drop tactics. After a long time, they will negotiate with you themselves.