Can I pay in installments again if I have money to spend?

I have money to spend education loans to pay for two subjects, but now I can’t study another subject. Can I reschedule my studies?

No. It is not okay to have money to spend on education loans in installments due to personal reasons. Under normal circumstances, you cannot make a second installment if you have money to spend. However, after the overdue amount, the user applies for negotiated repayment. Only after the negotiation is successful, the overdue amount can be repaid in a second installment. The above is the relevant answer to the question: Can I pay tuition fees in installments after using an education loan? Baidu has money to spend on bills and has paid off 6 installments in 12 months. Can the remaining 6 installments be repaid in installments?

Hello, no, it is recommended that you repay the loan on time!

"Youqianhua" is a credit service brand under Duxiaoman Finance (formerly Baidu Finance) (original name: Baidu Youqianhua, changed its name to "Youqianhua" in June 2018). You can borrow up to 200,000 by clicking the test amount. Big brands are reliable, have low interest rates and are trustworthy. Have money to spend - Manyidai, with daily interest rates starting as low as 0.02%, has the characteristics of easy application, low interest rates, fast disbursement, flexible borrowing and repayment, transparent interest fees, and strong security. Youqianhua provides personal consumer credit services to the public, creates an innovative consumer credit model, and inherits Baidu's technological genes. Youqianhua uses artificial intelligence and big data risk control technology to bring users convenient, fast and secure Internet credit. Serve.

Share with you the application conditions for Youqianhua: The application conditions for Youqianhua are mainly divided into two parts: age requirements and document requirements.

1. Age requirement: between 18-55 years old. Special reminder: Youqianhua declines to provide consumer installment loans to college students. If you are a college student, please give up the application.

2. Information requirements: During the application process, you need to provide your second-generation ID card and personal debit card. Note: The application only supports debit cards, and the application card is also your borrowing bank card. My identity information must be the second-generation ID card information. Temporary ID cards, expired ID cards, and first-generation ID cards cannot be used to apply.

When applying for a loan, users will encounter loan products with different repayment methods. Since the interest rates are often expressed in different ways, for example: daily interest rate of 0.5%, monthly rate of 1%, etc. , so it is difficult to compare several products to determine which one is more economical. The price comparison tool launched by Youqianhua can help us solve this problem. Through comparison, we can intuitively understand the interest and fee details of the compared products, which helps us make decisions.

This answer is provided by Youqianhua. Please borrow money reasonably according to your needs. For specific product-related information, please refer to the actual page of Youqianhua official APP. I hope this answer is helpful to you. Click below on your mobile phone to measure your balance immediately! The maximum borrowing amount is 200,000. Can you pay in second installments if you have money that is overdue?

Under normal circumstances, you cannot pay in second installments if you have money. After it is overdue, the user applies for negotiated repayment. After the negotiation is successful, the overdue amount can be repaid in two installments. Installment repayment. Every overdue user can apply for negotiated repayment, but the success depends on the answer given by Youqianhua. After all, not every user can succeed. After the negotiation fails, the user must pay off the overdue debt as soon as possible, otherwise the negative impact of the overdue record will be expanded, and the user's credit report will not be restored.

Consequences of overdue loans

1. Penalty interest will occur. The policies of each banking institution are the same. As long as the loan is overdue, penalty interest will occur, which is based on the original interest. A certain percentage of interest is charged. Each lending institution has different penalties. At present, many loan platforms have grace periods with different terms, but if you repay within the grace period, it will not be regarded as overdue, and no penalty interest will be incurred.

2. In the face of collection, usually when the loan is not paid off on the interest payment date, the bank will temporarily list it as a collection payment. In the early stages of arrears, the loan platform will call for collection.

3. There are stains on the personal credit report. During the grace period, if you fail to repay, many banks or other lending institutions will truthfully report your overdue records to the People's Bank of China Credit Report. If you are overdue, you will be Overdue records will be left on your personal credit report.

4. It affects other financial activities. Once it is overdue and recorded in the credit report, in today's honest society, bad credit will have many adverse effects on work and life. In the future, your financial activities such as bank loans or credit cards will be affected.

5. It affects your ability to study abroad. Each borrower’s credit situation is different, and the degree of “black account” is also different. Only if it is serious enough to be included in the list of dishonest persons subject to execution and listed in the court announcement list, will It has serious consequences, such as children not being able to study abroad or attending high-fee private schools.

6. It is impossible to take transportation such as airplanes and high-speed rails. The law gives citizens the right to take transportation. Whether it is high-speed rail or airplanes, Chinese citizens can take it as long as they purchase tickets normally.

7. Be sued by the bank and enforced by the court. If the overdue time is long and the overdue amount is large, the borrower is likely to be sued by the lending institution. How does Youqianhua negotiate a second installment?

After Youqianhua is overdue, the process for negotiating a second installment is: call the Youqianhua customer service hotline, submit an application for negotiated repayment, and negotiate the content. In order to repay overdue funds in installments; you can submit some supporting materials to prove that you are overdue due to special circumstances; Youqianhua will then review the user's application; after passing the review, the user can repay the overdue balance in installments.

In addition, spending money overdue will generate overdue records and overdue interest. Even if the repayment negotiation is successful, the overdue records will not be deleted until 5 years after the overdue debt is paid off.

Extended information:

"Youqianhua" is a credit service brand under Duxiaoman Finance (original name: Baidu Finance, renamed in June 2018), original name: Baidu Youqianhua , positioned to provide personal consumer credit services to the public and create an innovative consumer credit model. Baidu artificial intelligence and big data risk control technology are used to provide users with convenient, fast and secure Internet credit services, which have the characteristics of simple application, fast approval, high quota, fast disbursement and strong security.

Multiple product lines have been deployed, including: "Youqianhua-Manyidai", "Youqianhua-Exclusive Loan", "Youqianhua-Small Period Loan", and the scenarios have covered daily life Consumption, education, medical beauty, etc. can be accurately matched according to users' borrowing needs and provide users with trustworthy credit services.

On November 1, 2018, the Youqianhua brand launched a new logo design, and the new version of the APP was simultaneously launched in major mobile app stores. Use money to find money to spend.

Product Features

1. Convenience

Using Internet technology as the engine, it provides truly convenient pure online credit services.

2. Faster

Based on big data risk control, a faster service experience.

3. Peace of mind

Du Xiaoman Finance (formerly Baidu Finance) has complete credit services, transparent rates and high product safety barriers.

Application Instructions

1. Application Portal: Users can register and download the Youqianhua APP through the "Application Portal" to apply, or use Baidu to search for "Youqianhua", "Baidu Youqianhua" Enter the official website with keywords such as "money spent" to apply.

2. Borrowing process: fill in the information - obtain the amount - apply for a loan - receive the loan in real time.

3. Application threshold: Provide your second-generation ID card and your bank card. Baidu registered users aged 18-55 can apply. If the information is true and the credit record is good, a higher credit limit will be obtained after passing the review.

4. Repayment method:

1) Manual repayment: Repay according to the repayment date of the IOU, and you can bind a savings card to Baidu Wallet to complete the repayment;

2) Automatic repayment: The system enables automatic repayment by default, and the result of automatic repayment is based on the actual time when the bank card payment is successful;

3) Early repayment: Early repayment is supported , no handling fee is charged;

5. Repayment date:

The specific repayment date in the IOU shall prevail. The repayment dates for multiple IOUs may be different.

6. Penalty interest:

If a bill is overdue, the system will charge overdue penalty interest according to the interest rate specified in the agreement and report it to the Credit Reference Center of the People's Bank of China. It is recommended to pay it back on time. Make payments and maintain a good personal credit record.