At present, Baidu has money to spend and cannot postpone repayment. Please pay back on time according to the bill. Default interest (default interest = 1.5 times the interest rate) shall be collected on a daily basis, and overdue records shall be reported to the credit bureau. Users who are overdue for a long time cannot continue to borrow money, and they need to pay off all the debts before they can continue to try to borrow money.
Can I negotiate a deferred repayment if I have money to spend?
Of course. Users can't pay back the money on time due to special reasons, such as no income, serious illness and accidents during the epidemic. , and can apply to the rich flower for negotiation repayment. After the negotiation is successful, the repayment time will generally be agreed separately. Usually negotiating repayment means extending the repayment period, and it may also reduce some interest for users.
Can I negotiate a deferred repayment if I have money to spend?
If there is money to spend during the special period of the epidemic, you can negotiate to postpone repayment. During the epidemic, rich people responded to the policies of the China Banking Regulatory Commission, took the initiative to assume social responsibilities, and provided deferred repayment services for users affected by the epidemic.
First, the process of applying for deferred repayment through negotiation.
1. Application method: Users can provide "relevant proof materials" affected by the epidemic, pay attention to WeChat official account "You have money to spend", click User Service-Online Customer Service and enter "You have money to spend deferred repayment" to try to apply by applying for the epidemic extension button. It should be noted that the explanatory materials must be handwritten, not printed, and the specific material requirements can be viewed on the application page.
2. Application conditions: overdue payment by users is less than 1 month.
3. Extended rules: After the application is submitted, the system will notify the user of the audit results by SMS within 7 days. If passed, the extension time is 1 month. Users are required to return two installments at the same time on the next repayment date, and those with money will not report the overdue credit information of this installment. In addition, the repayment amount includes two installments of principal, two installments of interest and one installment of overdue fee. The overdue fee will be returned to the card voucher package in cash within 10 working days after the user's deferred repayment expires, which can be viewed through the financial APP-I/ account-card voucher package, with the amount/degree. The validity period of the card coupon is subject to the APP display. Users are advised to withdraw cash in time after receiving the card voucher.
"Qianhua" is an equity platform that provides users with personal consumption financial services. Provide all-easy loans, education staging, medical beauty staging and other service scenarios. Users only need to apply online, submit simple basic information, and after passing the evaluation, they can get a credit line for spending money. Within the limit, users can choose to try to apply for loans by stages.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
App version: 8.0. 16
Second, how much does it cost?
At ordinary times, it costs at least 500 yuan and at most 200,000 yuan. How much money to spend is mainly to investigate the user's personal credit situation, personal search habits on search engines and credit risks, and then use big data intelligent AI to calculate, combined with the risk control model, and then provide users with consumption quotas ranging from 500 yuan to 200,000 yuan. Therefore, users are advised to maintain a good credit status and repay on time, which will help to increase the consumption quota.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
App version: 8.0. 16
Can I negotiate a deferred repayment 1-3 years if I have money to spend?
1. Can I negotiate a deferred repayment if I have money to spend?
Generally speaking, in the absence of special reasons, it is not supported to negotiate deferred repayment with money.
If you are short of money, you can contact your relatives and friends to pay. For the specific method of asking others to pay, you need to consult the rich official customer service.
Of course, there may be some special reasons, such as no income during the epidemic, major diseases or sudden disasters. You can try to contact the customer service with money and see if you can negotiate an extension of repayment, depending on the actual situation.
Second, the specific impact of having money to spend on repayment time.
If there is money to spend, negotiation is not supported, and users cannot repay on time after the due repayment date, then overdue will occur.
1, overdue penalty interest.
From the date of overdue, the default interest at the agreed interest rate of 150% shall be charged daily for the overdue amount until it is paid off.
2. The credit information report is overdue
When overdue, how much overdue, how long overdue and other related contents will be truthfully reported to the People's Bank of China for credit investigation, thus affecting personal credit.
You can't continue to borrow money if you have money to spend.
The loan funds can't be returned on time, which shows that the economy is tight and the repayment ability is limited, and the suspension of normal use of money is the result of risk control.
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