Excuse me. Can I adjust the repayment date?

The repayment date of Ant Borrowing cannot be modified.

The repayment date is the date of the first loan of ants. For example, in May 1 the first loan, and then the default repayment date is 1.

However, there are also special circumstances. If the loan is made for the first time on the 29th, the repayment date will be fixed on the 25th of each month; If the loan is made for the first time on 30th, the repayment date is set at 26th; If the first loan is on the 30th, then the subsequent repayment date will be set on the 27th.

Extended data:

Borrowing is a loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

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.

How to adjust the repayment date? The specific operation is here

As a credit software under Alipay, Lending Bao has always had a huge customer base. Because borrowing bail is not only convenient to use, but also very fast to lend money, it is deeply loved by people. But recently, some customers who use Lending Bao have a doubt, that is, how to adjust the repayment date of Huabai? Today we will simply answer this question!

How to adjust the repayment date?

Borrower Bai He has different opportunities to apply for adjusting the repayment date once a year. Once the repayment time is determined, they can't apply for adjustment. Details are as follows:

1. The borrower must repay the loan according to the contract requirements. The repayment date of the loan is determined according to the successful date of the user's first loan application, and the user's first loan date is the later repayment date.

2. Borrowing can not only change the repayment date, but also delay repayment without installment. Repayment must be made in accordance with the contract. If it is overdue, it will not only generate a lot of penalty interest, but also have a serious impact on the lender's credit information.

3. Generally speaking, when using flower buds, if you apply for the first consumption at 10, then the repayment date is calculated as 10, and the first loan occurs on 29-3 1 every month, then the repayment will be fixed on the 25th of each month, fixed on the 26th of each month and fixed on the 30th of each month, and so on.

4. When using a debit card for repayment, if the withdrawal date is less than 15 days from the latest repayment date, it will be postponed to the next repayment date as the first repayment date, subject to the debit card page.

The above is how to adjust the repayment date. I hope this answer will help you solve the problem. See you next time.

How to change the repayment date of the loan

The repayment date of the loan is fixed according to the time of the first loan, and modification is not supported for the time being. You can check the repayment date on the page of borrowing money or paying back money.

Generally speaking, if you apply for the first withdrawal at 10, then the repayment date is10; If the first loan occurs on the 29th-3rd1day of each month, the 25th of each month is fixed as the 29th repayment date, the 26th of each month as the 30th repayment date, and the 27th of each month as the 3rd1day repayment date.

If the withdrawal date is less than 15 days from the latest repayment date, it shall be postponed to the next repayment date as the first repayment date. Specific to the lending page display shall prevail.

Borrow a service introduction

Borrowing is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

At present, the consumer loans launched by e-commerce giants are mainly aimed at the stages of consumption scenarios of this e-commerce platform. However, with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. The following is the actual experience of increasing the quota:

1, deposit the balance treasure or lucky treasure, and deposit the money of 15000+. After 10, you can basically pay it, usually at1-10;

2. Download the online merchant bank app on your mobile phone and save it in your computer. 10,000+deposits can basically lend 10,000 white+online merchant bank consumer loans in one month;

But there are still netizens who spit out Uncle Ma Yun; One reason why I am not optimistic about these internet companies engaged in finance is that they have no experience in receiving users who can't even tell the difference between interest and handling fees.

This part of the business naturally has an impact on similar businesses of banks. After all, the scale of several major Internet giants is there. But not every industry is suitable for the Internet. The amount is too low to repay the principal in installments, which is a bit tasteless and doomed to be difficult to replace the position of traditional finance.

Excuse me. Can the repayment date be changed?

The repayment date cannot be modified.

Since the loan is a daily interest-bearing product, it can be repaid by borrowing, and it can be repaid at any time if it is not needed. Therefore, the repayment date is relatively free, and it doesn't matter if the repayment date is not modified.

Extended reading:

Excuse me, the consequences of overdue?

1, which directly affects the sesame credit score. Sesame points are related to many factors, such as consumption habits, identity information, credit records, loan purposes and so on. Among them, borrowing money belongs to loan products. If you don't pay back the money within the time limit, Alipay will suffer directly and the score will drop greatly.

2. High penalty interest. In fact, the interest rate of ant borrowing in private lending is not particularly high, and it is still at a reasonable level. Of course, it will be much higher than the interest rate of bank loans. The advantage is that it is convenient and reliable, and can be used at any time, and the interest is calculated on a daily basis. If the user fails to pay back within the time limit, the penalty interest rate shall be calculated on a daily basis. This penalty interest is calculated according to the normal interest rate 1.5 times, which is quite a lot. Please pay back the money as soon as possible.

3. Automatic deduction. If quick payment or debit card is bound to Alipay, or there is money in Yu 'ebao and balance, the corresponding arrears will be automatically deducted, and the sequential balance, Yu 'ebao, bound world bank card and Huayuan will be automatically deducted.

4. It is forbidden to use loans. It is difficult to open another loan in the future. As a relatively good private micro-loan, loan has low interest rate and fast lending, so it is difficult to obtain the original quota, because it is not worth the loss if it is overdue.

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