When using Alipay's borrowing function, sometimes we forget that the repayment will lead to overdue loan. What should we do now? Let's look at the remedial measures to forget the repayment.
1. First of all, if you are overdue within three days, you can make up for the repayment immediately, because the borrower will be given a certain buffer time by the loan, that is, within three days, the loan will not think you are maliciously overdue.
2. If the repayment period has not been paid three days later, the loan will start to calculate the penalty interest, and the personal credit investigation will be considered. At this time, the repayment should be made as soon as possible. (overdue interest = overdue amount & times; overdue days & times; interest & times; 1.5)
3. If you need to use Jiebai again, you must repay it within 9 days, because if you can't repay it within 9 days, Jiebai will turn off the function of borrowing money from you, leaving only the function of repayment. So you can use other funds to replace the borrowed money, so as not to use the borrowed money function in the future.
What happens when the ants borrow?
It is recommended to repay as soon as possible. If it does not repay for a long time, it will face the following consequences:
1、 Bear high overdue expenses
For overdue fees, different online lending platforms have different names and charging standards. Whether it's called overdue penalty interest, overdue management or other various names, the charging standard is very high. Therefore, those who have the ability to repay on time must not be overdue.
2、 Accept platform fancy collection
Collection is generally divided into three stages: the first stage, just overdue for a few days, the platform customer service mm whisper, warm reminder, tell you have overdue, please repay on time; the second stage, overdue for a long time, the platform customer service serious warning, threat again overdue will face serious consequences; the third stage, overdue for a long time, the platform is no longer persuasive, began to carry out practical action.
There are many kinds of practical actions, such as: the platform pushes your debt information to your relatives and friends, which makes you face down in the circle of friends; the special collection personnel in the platform platoon come to collect, face-to-face communication, etc. Of course, these are more moderate. Some platforms outsource the collection, and the collection is carried out by special collection companies. It is believed that the borrowers are reluctant to encounter the "violent collection" of collection companies that broke out some time ago.
3、 Facing the National Trust Crisis
Now online lending platforms have established a blacklist system, and the blacklist platforms have begun to communicate with each other. If the loan is overdue on one platform, it will be very difficult to borrow on other platforms. In addition, the online loan platform will publicize the blacklist through its own wechat, microblog and other network channels, and even the big screens of railway stations and airports. Let the people all over the country know that these "Lao Lai" do not repay their loans! Of course, except for those who maliciously owe money, ordinary borrowers will not come to this stage.
4、 The credit investigation of the people's Bank of China produces blemish
At present, most of the online loan platforms have not been connected to the credit information system of the people's Bank of China, but it has become an inevitable trend to access the credit information system of the people's Bank of China. In the future, the overdue loans of online lending platform will be recorded in the credit information system of the people's Bank of China like overdue bank loans and credit cards, resulting in credit stains. If the result before is just a disgrace, then the stain of credit investigation will affect real life. If you want to buy a house, you can't get a loan, if you want to buy a car, you can't get a mortgage and so on.
5、 The defendant went to court
If the loan is overdue for a long time or fails to pay it back intentionally, and the amount exceeds 2000, it can already constitute a crime of fraud, and there is a risk of being sued by the online lending platform. Once the court decides that the online loan platform wins the lawsuit, the borrower will not only pay the required amount, but also pay the litigation costs and huge fines of both parties, and even face the disaster of imprisonment.