Under normal circumstances, loans overdue, an online merchant, cannot negotiate repayment. Overdue will face the following consequences:

1 is not conducive to personal credit. The overdue records will be uploaded to the basic database of financial credit information of the Credit Information Center of the People's Bank of China, which will adversely affect personal credit;

2 be charged with overdue penalty interest. Loans overdue, an online merchant, charged a penalty of 65438+ 0.5 times the normal interest rate. That is, overdue interest = overdue bill amount (overdue principal plus interest) * interest rate * 1.5* overdue days (excluding the current day).

3 facing the assembly. Borrowers will be collected, and their normal life and work will be disturbed to a certain extent, which will affect the subsequent online business loans.

In short, it is difficult for online merchants to negotiate with online merchant banks to postpone repayment, so they can only raise repayment funds as soon as possible, otherwise they will face a penalty interest of 1.5 times the normal interest rate during the unpaid period, which will be collected by online merchant banks. In addition, if the arrears are not paid off, the bad credit records will always be displayed in the credit report, and it will take five years to be deleted after being paid off.

1, loans overdue, an online merchant, made an account in one day. There is no grace period for repayment of online merchant loans. Online merchant loans belong to pure credit personal business loans, and will be credited if they are overdue for one day.

2. The online merchant will be credited to the credit after loans overdue, which will affect your credit record and leave a stain on the borrower's record. This will affect the application for loans in the future, and it will be very difficult to apply for mortgages, car loans and commercial loans.

3. In order to prevent online merchants from loans overdue, you can make repayment through Alipay, and set up automatic repayment of online merchants' loans in Alipay to prevent overdue due to forgetting to repay. Once the credit information is affected, it will be very serious. You must repay the loan on time. The consequences of keeping the credit information of online merchant loans overdue for one day will not be serious. If it is overdue for more than three days, the following consequences may occur:

Consequences of online merchant loans overdue 1. If the loan is not repaid, the first thing you encounter is a high penalty interest. Some financial institutions need you to pay liquidated damages on the basis of penalty interest. These expenses add up, but they are not a small expense.

Consequences of online merchant loans overdue: Credit damage. If you borrow money from the bank and fail to pay it back within the time limit, your personal credit report will be tarnished. It will be even more difficult to apply for credit cards and loans in the future. Even small loan companies are not included in the credit report, and there is a shared "blacklist" system in the circle. If a company does not pay back, it will be difficult to approve other loans.

Can online merchants negotiate repayment after loans overdue?

Loans overdue, an online merchant, cannot negotiate repayment. The repayment amount of each installment is calculated systematically when you successfully borrow money. Some online loans will have overdue fees, and banks generally won't agree, because banks can't verify whether you really have no money or fake no money.

Now people's demand for funds is getting higher and higher. When buying a house, you will choose a mortgage, and when buying a car, you will also choose a car loan. When there is a demand for funds, the first thing that comes to mind is banks, followed by online loans. Online merchant loans can be borrowed directly from Alipay, and they need to be repaid on schedule after borrowing. Once the consequences are very serious, what will happen to the online merchant loans overdue? Can we negotiate repayment?

The maximum loan amount of online business loans can reach 3 million yuan, but only for e-commerce customers, small and micro operators and individual consumers can also apply for loans. At present, the online merchant loan has been docked with the central bank's credit information, and the overdue consequences are serious, mainly in the following aspects.

1. Online merchant loan cannot be used. After the online merchant loans overdue, the system will directly freeze the user's online merchant loan and cannot apply for a loan again. You need to repay the loan as soon as possible, and then wait for the system evaluation. If it is seriously overdue, you may never be able to use the online merchant loan.

2. The penalty interest is very high. The penalty interest of online merchants' loans is charged at 1.5 times of the normal loan interest rate. The loan interest rate of online business loans is relatively high, and the daily interest rate remains at around 0.05%. The annual interest rate of overdue penalty interest can reach more than 22%. In case of overdue 10000 yuan, 7.5 yuan penalty interest will be charged for one day.

3. Affect credit. If the online merchant loans overdue, it will first affect Sesame Credit, and the system will report the overdue online merchant loan to Sesame Credit; Secondly, it will also affect credit reporting. Online merchant loans have been docked with credit information. Once there are many overdue repayment records on the credit information, the record is overdue for a long time, so it is more difficult to borrow money from banks or online in the future.

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Can the online merchant loan be extended through negotiation?

Online commercial loans can be extended through telephone negotiation. If the customer really can't afford it, he can call the online merchant to apply for a loan, call the hotline 95 188, and turn to "3" for consultation.

When applying for extension of negotiation, you should first explain your personal situation to the customer service staff, explain the reasons why you are temporarily unable to repay, and provide relevant information as evidence to actively express your willingness to repay. Then you can try to put forward an application to extend the repayment period and repay the arrears in installments, and the online merchant bank will consider it as appropriate.

Online business loan is an operating loan launched by online merchant banks for small and micro business owners and individual entrepreneurs, which can meet the capital needs of users in the course of business. Online merchant bank is an internet bank initiated by Ant Financial as a major shareholder. Not everyone can apply for online merchant loans. Online merchant loans only provide loan services for shopkeepers of Alibaba's major online shopping platforms, and credit conditions are very important.

Online business loan is not only a credit classification, but also a loan product. The credit classification of online merchant loans includes Ali credit loans, online merchant loans, Taobao/Tmall credit loans and AliExpress loans.

How to negotiate deferred repayment of online commercial loans

Online business loans can be deferred through negotiation.

If the online merchant loans overdue, you can apply to the platform customer service for deferred repayment. At present, the policy of online merchant loan is that it can be extended for one to three years through negotiation to pay off all debts.

Online business loan is an operating loan launched by online merchant banks for small and micro business owners and individual entrepreneurs, which can meet the capital needs of users in the course of business.

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