You owe me 80 thousand yuan. What if it can't be repaid? It's natural to pay your debts, but you can't pay them at present. You can deal with them in the following ways.
The first method: installment repayment.
In other words, this 80,000 yuan is amortized for the longest time, so the monthly repayment amount will be very low. I believe that if you pay 1000 ~ 2000 yuan every month after amortization, there will definitely be no pressure. If you don't pay 1200 yuan every month, I'm speechless.
The second way: ask others to help pay off at one time.
If you can't pay back the money personally, you can find your family, relatives, friends, classmates, etc. First, collect 80,000 yuan from them, pay back the borrowed money, and then pay off your personal debts slowly, so that the pressure is not so great and you are not so nervous.
The third way: increase income.
Your current job income is not enough to repay, either you change to a high-paying job or you just work two jobs, so increasing your income can improve your repayment ability and pay off the borrowed money.
In this case, you can use these three methods when you are unable to repay, which may be your best choice at present. Don't default.
What are the consequences? Alipay loan is a legal institution, and the loan is equivalent to the nature of bank loan, and the loan is for credit investigation. So it can be inferred from this that if you are unable to repay, the money will be delayed after it is overdue, and there will be three consequences if it disappears.
Consequence 1: Personal credit information is defiled and even blacked out.
Personal Credit Information In today's credit information era, credit information is very important for a person's credit information business. The biggest consequence is that your credit information is defiled or blacked out, and you can't handle all the relationship credit business in the future. This is a very troublesome thing.
Consequence 2: usher in litigation and even bear criminal responsibility.
If you don't pay back the money, you can only get it back through legal channels. If you are prosecuted through legal channels, your principal will exceed 50,000 yuan. Once you are prosecuted for fraud, you will inevitably bear criminal responsibility.
Consequence 3: You will pay more interest.
Borrowing money carries interest. If you don't pay it back, you will earn interest every day. The longer the delay, the higher the interest paid. So the longer you delay this 80,000 yuan, the more interest you will get when you repay it.
These three points are the three major consequences of non-repayment or delayed non-repayment. In short, different situations have different consequences.
According to the above analysis, you owe 80,000 yuan. Whether you have repayment ability or not, you can't rely on this 80 thousand yuan. You have to pay it back sooner or later, so I suggest you pay it back no matter what you do, otherwise a lot of troubles are waiting for you to deal with, and you will eventually pay a higher price.