How long can Didi Loan postpone repayment?

The repayment of Didi loan can be delayed for several days.

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Didi loan has a 3-day repayment grace period. If the user repays within 3 days after the repayment date, it will be regarded as normal repayment. Normal repayment will not generate overdue interest, and there will be no overdue credit record. After the grace period, the user still fails to repay the loan. At this time, overdue records will be reported to the credit bureau. If the user repays the loan again, in addition to the principal and interest, he needs to pay an additional penalty interest. Users must have their own repayment plan. Overdue repayment will not only affect your own credit, but also go against users' good repayment habits.

Can Didi Finance be postponed with the company if it is overdue for 90 days?

Didi Finance is 90 days overdue and cannot be postponed, because Didi Loan users of Didi Finance can apply for deferred repayment, but the longest extension period is one month.

1. Didi Finance-Didi Loan, what is the maximum amount?

Didi Rong Didi Loan is a loan product operated by Didi Jinke (Beijing) Information Service Co., Ltd. It is an old product that existed before. Didi loan itself is also financed by other consumer financial institutions or banks, and the funders are basically many licensed institutions. At present, the maximum amount of drip loan that can be applied for in Didi is 300,000, and the longest service period is 12 months. The information required for the application is relatively simple, just improve the basic personal information and agree to the credit authorization.

Second, Didi's consumer credit business has fallen behind?

At present, in the layout of Didi and Financial APP, there are "Didi Loan" and "loan service" at the entrance of credit products, and self-operated products and loan supermarkets coexist. Among them, "Didi Loan", as the entrance of Didi Finance into consumer credit, has been in a state of semi-diversion and semi-self-operation for a long time. According to a person close to Didi Finance, the scale of Didi's consumer credit products is not high. At present, the balance of "Didi Loan" loan is less than 20 billion yuan, and its market share is low, which lags behind the market performance of corresponding financial products of 360, Meituan and Xiaomi. Specifically, in the middle of 20 19, the loan balance of 360 Finance exceeded 60 billion yuan; As of May 3 1 20 19, Xiaomi Xiaowei's consumer loan balance was about 25.87 billion yuan. In addition, the above-mentioned people also revealed that Didi consumer credit products no longer focus on drivers of Didi Chuxing system, and are currently preparing to launch an external C-side credit market, and relevant market research work is underway.

Didi's financial App mainly provides wealth management, credit and insurance services, among which the cash loan product "Didi Loan" is the most important product in the system. Detailed information of Didi loan products shows that the business license provided is Didi, a subsidiary of Chongqing West Coast Microfinance Co., Ltd., with a maximum loan amount of 200,000 yuan and an annualized interest rate of 7.3%. The loan can be repaid in 36 installments, and the loan needs to rely on ID card and bank card.

Is there a grace period for Didi loan?

Didi loan has a three-day grace period, and it is normal for users to repay within this grace period. Repayment within this grace period will not generate penalty interest and will not be credited. If the borrower fails to repay the loan within the grace period, there will be a penalty interest at this time, and the overdue record will be uploaded to the credit information center by the platform, which will affect the handling of various loans after the personal credit information becomes worse.

In order to prevent users from being unable to repay on time after using Didi Loan, users should measure their repayment ability before borrowing and know what kind of income they use to repay. If your personal income is insufficient, you should handle the loan carefully at this time, and only when your personal income is relatively high can you handle the loan.

Users must meet certain conditions when applying for Didi loan. For example, users must be registered for more than half a year, and they are registered drivers of Didi, receiving no less than 2,000 orders, and sesame scores should be more than 600. When applying, different users get different credit lines.

There are many ways to borrow money through the internet, and different platforms have been launched. Users can compare when borrowing money, and then choose the one with low interest rate. But when borrowing money, we should pay attention to the formality of the platform and avoid borrowing money from informal platforms. Formal platform lending can guarantee the rights and interests of both borrowers and lenders.

Does Didi Loan really have a grace period? Stop joking.

Can Didi loan be recovered next month?

Of course. The longest extension shall not exceed 1 month. There is no "deferred repayment" option on the repayment page of Didi Loan, so users can't choose deferred repayment independently. If you can't repay on time due to special reasons, you can call Didi Financial Customer Service before the repayment date, explain the reasons and apply for deferred repayment. The extension cannot exceed 1 month. On the repayment date of next month, the user must repay as agreed, otherwise a high penalty will be charged, which will be treated as overdue.