If Xiaomi's online financial loan is overdue, the loan term can be extended. Users can also call the customer service phone of the platform to discuss with the platform to extend their loan term.

the loan term refers to the period from the time when the lender lends the loan to the borrower to the time when the loan is recovered.

The loan term refers to the actual use period of the loan by the borrower, which specifically includes:

1. The lender can arrange the loan scientifically and reasonably according to the length of the loan term, so that the security and efficiency of the credit assets can be guaranteed;

2. The borrower can apply for a loan according to the loan term, make good use of the loan within the term, and strive for maximum benefit;

3. The loan term is closely related to the interest payment, which can enable the borrower to calculate the borrowing cost more carefully and reduce the unnecessary time;

4. It can also make the lender reasonably allocate the loan amount;

5. Improve the overall benefit of loan use.

loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other lending funds. Banks put the concentrated money and monetary funds out through loans, which can meet the needs of society to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

monetary funds refer to assets owned by an enterprise and existing in monetary form, including cash, bank deposits and other monetary funds. Monetary fund is the starting point and end point of enterprise capital movement, and it is the prerequisite for enterprise production and operation. With the process of reproduction, there will be frequent money receipts and payments. When an enterprise obtains cash investment, accepts cash donations, obtains bank loans, and obtains payment income after selling products, it will form the income of monetary funds; When purchasing materials, paying wages, paying other expenses, returning loans and paying taxes, monetary expenditures will be formed. In daily economic exchanges, there is often a time interval between the receivable and payable of monetary funds and the actual payment, which forms the current settlement accounting.

operating system:

brand: vivox9

system version: Android8.

Xiaomi financial APP, version v7.6.2.2949 Xiaomi loan is not available yet. Can you negotiate with customer service in advance about the installment?

yes.

There are a lot of loan platforms now, including Xiaomi Loan, a credit product released by Xiaomi Finance. If you encounter the problem that Xiaomi's loan is not paid for the time being, as a formal loan platform, you can negotiate with customer service to postpone repayment.

To understand the loan contract, for many people, it is very difficult to meet the epidemic again this year, and there are often many uncontrollable situations. You can negotiate with customer service if you can't repay temporarily. According to the law, the creditor has the right to ask the debtor to repay the loan on time according to the contract, so if we encounter difficulties and can't pay off the loan temporarily, we can negotiate and communicate with the customer service according to the agreement.

Have a good attitude when communicating with customer service. Basically, the current loan platform will receive credit information from the state, so if you receive credit information because of overdue repayment, the consequences will be unpredictable. If the extension time is too long, you will face the risk of being violently collected. In order to avoid these problems, we must have a good attitude when communicating and negotiating with customer service. First of all, there are difficulties on our side, and there is no way to pay off the loan. Your own mistake. Customer service may agree to postpone repayment when it sees that our attitude is good.

ask relatives and friends around us for help. If you get credit information, it will have a great impact on your credit. If it is not feasible to negotiate with customer service, we can choose to borrow money from our relatives and friends. Borrowing money from relatives and friends is the most beneficial way to solve this problem, and they often choose to help us when it is difficult.

Although many people are too proud to talk about it in real life, the consequences of overdue repayment are very serious. And remind yourself that as an experience, this matter is not allowed to appear in the future. You can't buy things you can't afford because of your vanity. What will happen to my loan in Xiaomi Finance?

Only the creditor who fails to repay the loan on time in the financial company can file a lawsuit against his debt behavior and ask him to repay the debt. If he refuses to repay after the court's judgment, he will be classified as an executor of bad faith.

according to article 84 of the general principles of the people's Republic of China and the civil law of the people's Republic of China, a debt is a specific relationship of rights and obligations between the parties in accordance with the contract or the provisions of the law. The person who enjoys the rights is the creditor and the person who has the obligations is the debtor. The creditor has the right to require the debtor to perform its obligations in accordance with the contract or in accordance with the law.

article 18 debts shall be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court.

Extended information:

Several Provisions on Publishing the Information of the List of Executed Persons with Dishonesty Article 1 If the executed person fails to perform the obligations specified in the effective legal document and has any of the following circumstances, the people's court shall include him in the list of executed persons with dishonesty and punish him with credit according to law:

(1) If he has the ability to perform and refuses to perform the obligations specified in the effective legal document;

(2) obstructing or resisting execution by forging evidence, violence or threats;

(3) evading execution by means of false litigation, false arbitration or concealing or transferring property;

(4) violating the property reporting system;

(5) violating the consumption restriction order;

(6) refusing to perform the settlement agreement without justifiable reasons. Xiaomi Finance owes 6, yuan, but what should I do if I can't pay it? Will you go to jail? Ask an experienced person for advice?

According to the People's Republic of China and Article 18 of the General Principles of the Civil Law, the debt shall be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court.

according to the provisions of the people's Republic of China and article 84 of the general principles of the civil law, a debt is a specific relationship of rights and obligations between the parties in accordance with the contract or the law, with the obligee as the obligee and the obligor as the obligor.

the creditor has the right to require the debtor to perform its obligations in accordance with the contract or the law.

Xiaomi Finance is a personal comprehensive financial service platform under Xiaomi Company, which provides services around personal financial needs, including but not limited to: investment and wealth management, loans, securities, insurance, etc.

extended information

if the loan is overdue for a certain period, the relevant records of overdue users will be transmitted to the personal credit information system of the central bank. In addition to uploading overdue information to the central bank's personal credit information system, Lending will continue to cooperate with third-party credit information agencies such as Qianhai Credit Information, Shanghai Credit Information and Pengyuan Credit Information.

The behaviors that can be taken against the person who has broken his promise:

1. Some high-consumption behaviors are prohibited, including the prohibition of sleeping on the plane or train.

2. It is to implement other credit punishments, including restricting loans from financial institutions or handling credit cards.

3. If the person subjected to breach of trust is a natural person, he shall not be the legal representative, director, supervisor or senior manager of the enterprise.

article 27 of the contract law stipulates that "if the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations".

default interest will be charged if overdue. from the date of overdue, default interest of 15% of the agreed interest rate will be charged every day until overdue payment is made. Your overdue record will be reported to the People's Bank of China for credit information, which will affect your credit record. Please cherish your credit and repay it on time.

for loans that are overdue or not used for the purposes agreed in the contract, interest will be charged at the default interest rate from the date when the loans are overdue or not used for the purposes agreed in the contract until the principal and interest are paid off. For the interest that cannot be paid on time, compound interest shall be calculated at the penalty interest rate.