You can't. Staging can only be applied before it expires. Once it expires, it is not allowed. Long-term overdue payment will affect your credit information.
1. Keep rational consumption and don't overspend.
2. Repay on time without default.
3. Do what you can.
1. Consumer credit product launched by Bai Hua Ant Financial)
The full name of flower bud is ant flower bud, which is a consumer credit product launched by Ant Financial. After the application is opened, you can get a consumption quota of 500-50000 yuan. Users can advance the number of ant flowers in advance when spending, and enjoy the shopping experience of "spending first, then paying". On August 4, 20 16, the Ant Flower Garden Consumer Credit Asset-backed Securities Project was listed on the Shanghai Stock Exchange, which is also the first Internet consumer finance ABS in the Shanghai Stock Exchange.
By June of 20 18 and 1 year, Ant Financial has voluntarily increased its capital by 8.2 billion yuan to two small loan companies, and its registered capital has increased from 3.8 billion yuan to/kloc-0.2 billion yuan. On May 18, Huayu announced its opening to banks and other financial institutions. On September 22, 20021year, it was reported that Huayu was connected to the central bank's credit information system, and users refused to access it and could not use it.
2. Edit the voice of repayment method
Users can repay the amount of ant flowers in advance when spending, and the longest interest-free period is 4 1 day after receiving the repayment on the 9th of next month. In addition to the consumption experience of "buy this month, pay it back next month, and it is super long and interest-free", Ant Flower Garden has also launched the function of flowering in stages, and consumers can repay it in 3, 6, 9, 12 months.
The 9th of each month is the flower bud repayment date, and users need to repay the generated flower bud bill on the repayment date. On the due repayment date, the system will automatically deduct the balance of Alipay account, Yu 'ebao (with the function of withholding Yu 'ebao) and debit card Express (including cartoons) for repayment. Repayment can also be made on a positive basis. To avoid overdue, please ensure that your Alipay account is sufficient. If you don't pay the late fee, you will be charged five ten thousandths every day.
On 2018110/02, Alipay App announced that it would fully open its new functions from 102 1. Simply put, delaying expenditure is equivalent to a simple transition, which can alleviate the repayment pressure of the parties to a certain extent.
Can online loans be repaid in installments when they are overdue?
Yes, you can communicate directly with the lending platform and ask to stop payment or installment payment. Otherwise, they will threaten not to pay back the money. It's overdue anyway. They are anxious, have a good attitude and a firm tone. Banks can communicate with each other. They can apply for an insurance policy for you as long as you are willing to pay back the money. I hope this helps.
Can I still do mobile phone staging if I owe online loans?
If you owe an online loan, not the same online loan company can apply for installment. If you owe Alipay, you can't apply for installment, because the balance of Alipay account will be automatically deducted, so you can't apply for mobile phone installment.
Can I buy a car in installments when the online loan is overdue?
If the online loan is overdue, you can buy a car in installments. As for whether the application can be successful, it depends on the audit of banks or lending institutions. The impact of overdue online loans on car loans should be discussed in different situations. If the online loan is overdue but has been paid off, and the overdue behavior of the online loan is not serious, it will have little impact on the application for car loan.
If the online loan is overdue and its behavior is serious, the lending institution may consider the repayment ability of the lender and may directly refuse the loan.
Car loan refers to the loan issued by the lender to the borrower who applies for buying a car.
The actual interest rate of car loan is set by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. There are three types of car loans: direct, indirect and credit card. The term of car loan is generally 1-3 years, and the longest is no more than 5 years.
Potential borrower
The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.
deadline
Term of automobile loan
The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.
loan rate
benchmark interest rate
According to the regulations of the central bank, the benchmark interest rate is implemented for auto loans, but financial institutions can float within a certain range of the benchmark interest rate. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines the cost of people's loans and becomes an important factor in determining whether people lend.
How to calculate the car loan interest rate
The calculation formula of monthly car loan payment: a = p (1+I) [(1+I) n-1]/N2/I.
A: Monthly contributions.
P: total donations
I: monthly interest rate (annual interest rate/12)
N: Total months of contribution (year × 12)
Type of automobile loan
Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.
The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.
In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.
And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.
The specific steps of buying a car by credit card in installments are roughly as follows:
1. The cardholder (or applicant) calls the bank's credit card center or goes to the local bank to find out whether he can apply for a credit card car loan.
2. The cardholder will fill in the installment order of car purchase at the dealer with his ID card, and the bank background will review it.
3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.
4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance.
Finally, I can drive the car away smoothly.