There is a three-day grace period for recruiting a good term loan, and repayment within the grace period is counted as timely repayment. If the user fails to repay the loan on time within the grace period, it is overdue, and there will be penalty interest after the deadline. The longer the time, the more penalty interest. It should be noted that the overdue repayment of Zhaolian Good Loan will be uploaded to the Credit Information Center, which will lead to the deterioration of personal credit information.

Different users get different credit lines when using Zhaolian term loan. The maximum credit line is 200,000, which can be repaid by installments, including March, June and 65438+February. The repayment method is equal principal and interest, which can be repaid at any time. If repayment is made in advance, interest will be calculated on a daily basis, and no penalty will be charged.

When borrowing, users must measure their repayment ability and know what kind of income they use to repay. Only when their personal income is relatively large can they borrow with confidence. If their personal income is not large, they should be treated with caution at this time. In fact, if you can't pay back on time, you can borrow money from your friends and pay them back later.

Zhaolian Good Term Loan is a consumer loan product for young white-collar workers, which belongs to Zhaolian Finance. Approved by China Banking Regulatory Commission, the company is a joint venture between China Merchants Bank and China Unicom. It has two product systems: "good loan" and "credit payment", with online mode as the main mode.

Version information: Take Zhaolian Finance Version 6.4.3, Apple13 (IOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.

Can I call to postpone the loan for a few days?

If you don't pay the loan for the time being, you can call for a few days. Everyone needs to pay attention to:

1. Zhaolian Finance itself provides loan customers with a three-day repayment grace period every month. If the repayment cannot be made on time at 24: 00 on the repayment date, it will be regarded as normal repayment in the next three days. For example, the repayment date is the 5th of each month, and all the bills of the current period will be paid off before 24: 00 on the 8th of that month at the latest. Personal credit information will not be affected, but a penalty interest of three days will still be charged normally.

2. Although Zhaolian Finance does not directly provide extension service for loan customers, if customers lose the repayment ability, they do not repay the loan. If they want to postpone the loan for a period of time, they can also try to contact the platform customer service by phone to explain the specific reasons for their inability to repay, explain that they have not intentionally overdue their debts, and express their willingness to repay actively. Then they can apply for the second installment and extend the repayment period, and Zhaolian Finance should consider it as appropriate.

Eight problems in long-term loan repayment.

Good-term loan is an Internet consumer lending product of Zhaolian Consumer Finance Company, which has attracted many people to try it out after its launch. If you borrow money, you have to pay it back. Let me take stock: 8 questions to pay for a good loan.

1 What are the repayment options?

Refusal to repay funds:

You can designate a bank card as a withholding card by opening the "automatic repayment" function of Zhaolian good-term loan, and authorize Zhaolian Company to transfer funds from your withholding bank card to repay the current loan on the repayment date of each month. It is recommended that you deposit the funds into the debit card account at least two days before the repayment date to avoid the failure of deduction and repayment due to insufficient account balance.

Manual repayment:

You can initiate repayment by logging into the official accounts of official website and WeChat, and transfer the amount of my bank card account to the lender's account to repay the current loan. Please ensure that your bank card account has sufficient balance before initiating this operation. This method supports: current repayment, overdue repayment and early repayment.

2. How long does it take to start repayment after receiving the loan? How is the due repayment date calculated?

Starting from the loan success date (such as 65438+ 10 month 10), the date after each natural month is the due repayment date. If the successful lending date of the loan funds is 29th, 30th or 3 1, there will be some special situations without specific dates (for example, there is no 30th in February, and there is no 3 1 in April, etc.). ). In this case, the repayment date will be automatically calculated forward. For example, the successful date of a customer's loan is 65438+1October 3 1, and the repayment date should be February 28 (if there is 29, it is 29), March 3 1, April 30, May 3 1 and so on.

Customer's prepayment operation will not affect the repayment date of each installment. After the customer successfully borrows the loan, he can check the repayment plan of each loan through the website and WeChat official account, and get the accurate repayment date of each period.

3. How long will it take for the manual repayment to arrive?

If the balance of your bank card funds is enough to pay all the current payables, the funds can be received in real time.

4. When is the automatic repayment time?

You need to ensure that the repayable loan principal and interest are fully deposited into your automatic repayment account before the repayment date of each month, and we will directly deduct the repayable loan principal and interest from your automatic repayment account through each repayment date. The repayment time and amount shall be subject to the time when we actually receive your repayment and your actual repayment amount.

5. What should I do if I don't repay in time?

If the deduction fails or the customer forgets to repay on the repayment date, the system will have a three-day repayment grace period. Repayment within the repayment grace period is not considered overdue and will not generate penalty interest. If the repayment is not made after the grace period of 3 days, it will be deemed as overdue, and the penalty interest will be calculated from the first day after the repayment date. Please return the money in time before the grace period expires, otherwise there will be penalty interest and personal credit history will be affected.

Example:

Xiaoming needs to repay the first loan on February 1 2005, but I didn't take the initiative to repay it because the debit card amount was insufficient. If Xiao Ming can repay the loan on February 2nd, 3rd and 4th, it will not be regarded as loans overdue. If it is not repaid on February 5th, the loan will be deemed overdue, and the penalty interest will be calculated from February 2nd.

6. Is it possible to extend the repayment period?

At present, there is no corresponding policy to extend repayment policy. It is recommended that you repay the loan normally according to the credit period shown in the contract. Once the credit period is exceeded, a loans overdue will be generated, and there will be corresponding records, which will have an impact on your credit record and the later application for our loan.

7. Can I repay in advance? What are the conditions for prepayment? Do I have to pay?

After the loan is successful, the customer can repay the outstanding loan in advance on the second day of the loan and at any time thereafter through the website or WeChat official account, without charging any fees.

Customers who want to repay in advance must ensure that there are no overdue loans at present. If there is overdue loan, the overdue amount must be settled before prepayment; Early repayment means paying off the remaining principal of each loan in advance. At present, the system supports "installment reduction" for prepayment.

Example:

Xiaoming successfully borrowed RMB 65,438+00 on October 0, 2065,438+05, with a term of one year (65,438+02 months) and an annualized interest rate of 65,438+03.8%. Xiaoming faithfully fulfilled the contract, paying 896.93 yuan per month with a loan of 65,438+02. On June 1 day, Xiaoming repaid 5,000 yuan in advance. From June 10, the repayment amount of each installment is 244.90 yuan, and the number of repayment installments remains unchanged.

8. Why does the prepayment fail or display abnormally?

You can follow the following steps to troubleshoot:

1) Check the transaction records to see if the repayment has been successful;

2) Check whether the available balance of your automatic repayment account is sufficient;

3) What browser do you use (if it is 360 or Sogou browser, it is recommended to switch to IE browser);

4) If not, click "Online Service" and submit it to the staff for handling.

Zhaolianhao Futures Lending No.22 Repayment Why No.28

The deduction of the account balance will be made on the repayment date. For example, if the repayment date you set is the 20th of each month, then the deduction will be made on the 20th. The deduction is unsuccessful and has a bad influence.