Due to the epidemic situation, the loan can be postponed. If the user can't repay the loan due to the epidemic, he can apply to the customer service of the loan platform for deferred repayment. If personal credit information is affected due to overdue during the epidemic, you can contact online customer service to apply for deleting overdue records, which will not affect personal credit information. The above is the relevant contents of the loan during the epidemic. Can I postpone the repayment?

What will happen if it is overdue?

1, with limited effect: after the loan expires, not only can the loan not be reused, but even the use of other bank credit products will be affected. If the user wants to restore the use function of the loan, the better solution is to repay the loan immediately, and whether it can be restored later needs to be re-evaluated by the system. Eligible users can use the loan again, and those who do not meet the conditions need to wait;

2. Impact on the loan amount: Even after repayment in loans overdue, the loan amount may be reduced, or there is no loan amount directly. Alipay users borrow relatively loosely, while old users borrow relatively high amounts. If it is overdue, the quota may be reduced or it cannot be used;

3. Affect personal credit: overdue loan records will be transmitted to Sesame Credit Score first, and will also be uploaded to the credit information system;

4. Generate overdue interest: that is, default interest. Although borrowing is a formal loan platform, the loan interest is also very high compared with banks. Default interest will be charged on a daily basis after overdue, and overdue interest will be charged at 1.5 times the normal loan interest rate.

Criteria for applying for loan amount

1, keep a stable personal credit record;

2. Purchase financial management;

3. Conduct real-name verification;

4. Increase personal income;

5. Associate a valid mobile phone number;

6. Associated with a valid bank card;

7. Submit real estate information;

8. Use flower beds to accumulate personal credit;

9. Reduce the personal debt ratio.

What special circumstances can I apply for deferred repayment of loans?

1, infected;

2. Observers who need protection for epidemic prevention and control;

3 personnel involved in epidemic prevention and control;

4, affected by the epidemic temporarily lose the source of funds.

Advantages of borrowing

1, good user experience, super-fast loan arrival;

2. Repay the principal without interest, and respect the laws of finance and economics;

3. There is no penalty interest for prepayment;

4. It is convenient to withdraw cash, and there is no reason to withdraw cash.

This paper mainly focuses on the knowledge of whether borrowing money during the epidemic period can delay repayment, and the content is for reference only.