36 IOUs are overdue. Users can call the customer service hotline of 36 IOUs, and then directly apply to the manual customer service for repayment negotiation. Before applying for negotiated repayment, users need to explain that they are not maliciously overdue, and inform customer service of the reasons for overdue. If there are special reasons, it is best to submit relevant certification materials. After that, the customer service will run an audit on the user. If it is overdue due to special reasons, the success rate of applying for negotiated repayment will be higher.

As for the common reasons that lead to overdue, the probability of successful negotiation is relatively low. 36 how to negotiate the deferred repayment of IOUs

Introduction: 36 IOUs are convenient and quick to borrow money, but you must repay the arrears on time. If it is really not enough, you can apply for deferred repayment. So how to apply for a three-year extension of repayment for 36 IOUs?

36 IOUs cannot be deferred for three years for the following reasons:

1. 36 IOUs have no deferred repayment service, and borrowers must repay on time on the repayment date. If the current arrears are not repaid after 24 o'clock on the repayment date, or they are not repaid at all, the borrowers will be overdue and have bad consequences.

2. After 36 IOUs are overdue, the borrower will receive a dunning text message, or even make a phone call, and will be charged an overdue fee, in which the overdue fee of equal principal and interest = repayable principal * daily interest rate *1.5* overdue days; Overdue charge for equal interest = overdue principal *.1%* overdue days; Interest before principal overdue fee = overdue principal * 1.5 times the normal loan interest rate * overdue days.

3. Once the 36 IOU is overdue, the system will report the overdue record of the borrower to the credit information system, and even if the overdue record is paid off later, it will take five years to be eliminated from the credit information report. How to apply for deferred repayment for 36 IOUs?

Before the loan repayment date is coming, the user calls the customer service hotline of 36 IOUs, and then applies to the customer service for deferred repayment. The manual customer service will be transferred to the credit loan specialist, and the user needs to negotiate with the credit loan specialist. Deferred repayment is also a kind of negotiated repayment. Users must negotiate successfully, then 36 IOUs can delay repayment. If the negotiation fails, the repayment must be made according to the repayment plan.

users with good credit qualifications are more likely to negotiate successfully, while users with frequent overdue and poor credit qualifications are difficult to negotiate successfully. How to apply for deferred repayment of 36 IOUs

36 IOUs are allowed to postpone repayment, but a certain amount of interest and handling fees are charged for deferred repayment. For users who want to postpone repayment, it is very important to make an appointment with 36 in advance. Once overdue, the first thing to do is to communicate with the customer service of 36 IOUs to clarify the situation. According to your usual repayment situation, you can get a grace period from 36 IOUs for a certain period of time and repay them in time.

Generally speaking, 36 IOU is an unsecured consumer credit platform launched by 36 Finance. The 36 IOUs launched in September 216 are one of the reliable online loan platforms. If the overdue time is long, it will affect the central bank's credit information, and users must repay in full and on time.

36 IOU is a personal and micro-consumer credit product launched by 36 Finance. Based on 36 big data, the overall evaluation of customer credit is carried out, and on this basis, consumer loans that arrive immediately are provided. It has the characteristics of large amount, fast loan and simple operation.

On the whole, it is ok, but prepayment also bears the subsequent interest, so prepayment is of little use.

As for interest, generally speaking, the interest on loans is very high. If you plan to borrow money, you should learn more about the interest corresponding to his specific loan amount.

The interest on the loan is very high, especially in some underground institutions, and sometimes it is even several times that of your loan. Therefore, you should go to a formal institution to borrow money, and don't borrow some usury for the sake of borrowing money. Beware of being cheated.

loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.

loans in a broad sense refer to loans, discounts, overdrafts and other lending funds.

Banks put the concentrated money and monetary funds out through loans, which can meet the needs of society to expand reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

loan refers to a financial behavior that the creditor (or lender) transfers the right to use funds to the debtor (or borrower).