Borrowing and negotiating repayment strategy (divided into six steps)

1, take the initiative to call the customer service hotline

Users who want to postpone repayment need to call Alipay customer service hotline 95 188 first. After the hotline is connected, the user needs to explain to the manual customer service that his current economic situation is not good and he can't repay the loan on time, and at the same time apply to the customer service for deferred repayment. When communicating, we must be sincere, and when explaining the reasons for the poor economic situation, we must explain the real reasons.

2. Wait for the post-loan management specialist to call back.

After the user submits the application for repayment negotiation, the customer service who answers the phone will register and then transfer the user's negotiation request to the post-loan management specialist. After receiving the application for negotiated repayment, the post-loan management specialist will usually call back the user through the official hotline 95 188 a few days later. In the meantime, if there is a personal call to the user, please ignore it.

3. Upload relevant certification materials.

The post-loan management specialist will open a window to upload the proof materials in Alipay, and the window will prompt "Customer service calls you to submit the voucher". At this time, the user needs to upload the voucher within the specified time. These vouchers are mainly to prove that the user's economic situation is really poor, which leads to the inability to repay. After all, there is no evidence, and relevant supporting materials must be provided before the post-loan management specialist will recognize the reason why the user is unable to repay the loan.

4. Wait for the post-loan management specialist to call back.

After the certification materials are reviewed, the post-loan management specialist will call back the user through the official hotline 95 188. According to the formal process, the post-loan management specialist will inform the user of his job number and give a plan for delaying repayment. Users have 15-30 days to consider the scheme after they know it. If you are not satisfied with the deferred repayment plan, the user can continue to negotiate with the post-loan management specialist about the content of the deferred repayment plan.

5. Repay according to the deferred repayment plan.

After the user and the post-loan management specialist confirm the deferred repayment plan, the user needs to repay the loan according to the plan. If the loan is not overdue, the loan interest of the loan will be charged normally when the repayment is postponed. However, the loan is overdue and will not stop during the deferred repayment period.

6. Call the hotline to apply for fee waiver (applicable to overdue loans)

Users have paid off their overdue debts, so they can call the customer service hotline again and apply to the customer service for reducing the overdue fees. How much can be reduced depends on the customer service reply. Moreover, there is a certain probability that the application for exemption from overdue fees will fail, and users can try to call several times to apply.

How to negotiate to borrow flowers to postpone repayment

The agreed repayment method is generally installment repayment. Users can call Alipay customer service hotline to apply for negotiated repayment after Huabai and loans overdue. Generally speaking, all overdue debts need to be repaid in one lump sum, but when the user's repayment ability is insufficient and the negotiation is successful, this part of overdue funds can be repaid in installments.

1. Call Alipay customer service hotline 95 188. First, explain to the artificial customer service the reasons for Hua Bai and loans overdue, indicating that it is not malicious overdue. At the same time, inform the customer service of their financial situation, indicating that they are really unable to repay the arrears and loans of Hua Bai, and pay attention to sincerity when communicating.

2. After the user submits the agreement repayment application, the customer service will register, and then the staff of the post-loan department will call the user. If it is a private number, please ignore it. It must be the phone number of 95 188 customer service hotline before Alipay intends to negotiate with users.

3. Users can submit their own requests, such as installment and extension, when negotiating with the post-loan management specialist. After that, the customer service will open a window to upload proof materials on Alipay, and the window will prompt "Customer service calls you to submit proof". At this time, users need to submit their own relevant certification materials, such as poverty certificate, medical certificate, unemployment certificate, credit report, etc. After the user submits the proof materials, the customer service will verify it as soon as possible, and the information will be kept strictly confidential.

4. After the customer service completes the audit, the user will receive a phone call from 95 188, and then the customer service will inform the user of his work number and the plan to postpone the repayment. After users know the scheme, they will have 15-30 days to consider it. If you are not satisfied with the plan, you can call the customer service hotline again and continue to negotiate the repayment plan with the customer service.

5. The user agrees to negotiate the repayment plan, and the customer service will inform the user of the matters needing attention in the plan. At the same time, during the repayment period, the collection will be stopped, but the overdue interest will be charged normally. Users can apply for fee reduction and exemption after the loan expires. As for the reduction, I'm not sure.

Ant, can I borrow it and postpone the repayment?

When users are unable to repay and need to negotiate repayment, they can contact the official customer service of online business loans and then tell them why they want to postpone repayment. At the same time, according to the provisions of the relevant business departments of online commercial loans, submit the corresponding materials. In most cases, only users who meet the deferred repayment conditions stipulated by online merchant loans can apply for deferred repayment. Users can call Alipay's official customer service hotline 95 18, and after entering the manual service, explain to the staff why they want to postpone repayment. There is no source of income, insufficient funds, etc. The staff will decide whether to agree to the user's deferred repayment according to the user's personal account and other related information. If you want to avoid the risk of being sued for collection, please seize the opportunity to negotiate with Alipay to postpone repayment. According to the current situation, if you want to apply for deferred repayment, you need to meet the relevant conditions of online merchant loans, which should be implemented in accordance with the relevant provisions of online merchant loans. Under normal circumstances, bank loans are on credit, so users must pay attention to repayment on time to avoid overdue records caused by credit.

1. Deferred payment voucher also has two shortcomings. The disadvantage of 1 is that if you delay for one month, you need to pay one more month's interest, so if you have the ability to pay off the loan, you might as well pay off the loan. Don't use deferred payment vouchers. The second drawback is that using deferred repayment only pays off your previous loan, but it will also generate new loan records, so there are many loan records in your credit information, and the rating of credit information qualification is also very unfriendly.

2. The online merchant bank is the first bank in China to build its core system on the financial cloud. Based on the financial cloud computing platform, online merchant banks have the ability to handle high concurrent financial transactions, massive big data and flexible expansion, and can provide financial services for more small and micro enterprises by taking advantage of the Internet and big data.

3. Online business loans are business loans launched by online merchant banks for small and micro enterprises and individual entrepreneurs. It is an unsecured and unsecured pure credit loan based on the operator's operation and credit situation. Lending is safe, reliable, fast and flexible. You can see your online merchant loan amount in Alipay-My-Online Merchant Loan. If the page needs authorization, first click the agreement and check the limit, and then click borrow money. You can also apply for online merchant loans through online merchant banks. If you don't see the online merchant loan entrance in Alipay-My account, or click it and you are prompted that it is temporarily not supported, it means that your account can't open online merchant loans at present, so I suggest you pay attention to it in the future. Whether the online merchant loan can be opened is comprehensively evaluated by the system from time to time, and manual intervention is impossible.

Operating environment: Alipay 8. 10.2 Apple 12iOS 14.

Excuse me, how to negotiate overdue repayment?

You can call Ant Financial Customer Service Hotline to inquire about overdue negotiation and deferred repayment. At present, there is no entrance to directly negotiate repayment online. After the deadline, users need to call Alipay customer service hotline to inform the customer service of the reasons for the overdue. Then submit valid proof materials to prove that your repayment ability is insufficient. Secondly, you need to show your repayment attitude and tell the customer service that you can only repay the principal, not the interest and penalty interest. Generally speaking, only under very special circumstances will interest and penalty interest be reduced or exempted.

When users apply for deferred repayment, they must clearly express their positive willingness to repay, and the negotiation can be successful. When users are unable to repay, they need to sort out their arrears first, and then make arrangements according to the maturity time and amount, and the more urgent loans should be repaid first. If you have credit card arrears, it is recommended to give priority to credit cards, because credit card arrears will cause illegal records.

Operating environment: oppo Reno 5pro v11.1AliPay app 10.2.38.

First of all, the negotiations were successful.

1. After Alipay agrees to postpone the repayment negotiation, you have to ask your son how much interest can be reduced and settled after maturity. At this time, the customer service will not say that you can reduce it. This is their request, but you must emphasize that after 1-3 years, you can save enough money for your current bill.

2. After reunification, Alipay will generally ask you to submit materials. Just submit the documents prepared before according to the method. If you can't produce some proofs, such as poverty proof, try to explain the reasons to Alipay and replace them with other proofs that can prove your current difficulties, such as credit+income proof.

3. After both parties reach an agreement through consultation, you will generally be informed of the negotiation results by SMS or email.

2. How long is the general consultation period?

Mainly depends on their own negotiation skills, and some need multiple feedbacks, so a fast week is enough, and a slow one takes about 3-4 weeks.

3. Will the interest on bills paid after successful negotiation continue?

Will continue, Alipay is also afraid that you will not repay, so the bill will still be displayed and developed normally.

4. Will the interest during the extension period be reduced?

Yes, but some of them may need to be explained through consultation, because Alipay is ready for your relief.

1-3 years later, Alipay will not give you an extension, prosecution or payment order, and will finally agree to your relief request.