1. Taobao loans overdue for more than 90 days. Should I repay the principal, interest or penalty interest first?

2. Regarding whether Taobao loans overdue should repay the principal or interest for more than 90 days, according to the information you provided, you have been repaying the loan for the last two years, and the principal has been deducted, but the interest has been deducted this month. According to the terms of the contract, if the loan principal or interest exceeds 90 days, it should be turned into a non-accrual loan, and the principal should be deducted first and then the interest should be deducted.

-You can check the relevant contract terms to ensure that your understanding of the repayment terms is consistent with them;

-If the automatic deduction method of Taobao system changes, you can consult Taobao customer service or Alipay customer service to understand the specific situation;

-You can also complain to Taobao, asking for priority deduction of the principal according to the contract.

3. Summary: According to the contract terms and repayment conditions you provided, there is indeed a problem with Taobao's deduction. You can ask Taobao to deduct the principal according to the contract by inquiring about the terms of the contract, consulting customer service and complaining.

Extended data:

According to the relevant laws and regulations of our country, both borrowers and borrowers must fulfill their repayment obligations in accordance with the contract. For overdue loans, it is usually necessary to repay the principal first, then the interest, and finally the penalty interest. In the process of any loan and repayment, the most important thing is to keep in touch with the borrower, understand the terms in the contract and protect your rights and interests. If necessary, you can also consult professionals or lawyers to provide more specific advice.

The above answers are based on the information you provided, please refer to your own actual situation.