You can try to apply for deferred repayment from China Bank, but in general, you can only apply for deferred repayment from China Bank under special circumstances, and you need to provide relevant supporting materials. The repayment period of the loan can only be extended after the approval of the bank. Borrow money from friends and relatives around you and pay off the loan first. After all, loans overdue will have a bad influence on personal credit reporting.

Overdue repayment refers to the situation that the final repayment period stipulated by the bank is exceeded and the consumption money is not deposited in the designated account in full and on time. Overdue interest will be generated, which will affect the credit information, and in serious cases, it will be prosecuted by the court and imprisoned. Credit cards have two concepts: billing date and repayment date (also known as the last repayment date). Bookkeeping date is the date of transaction settlement in a bookkeeping cycle, and repayment date is a repayment cycle. Because you can't get back in touch with customer service, it doesn't rule out that you misunderstood the customer service staff's explanation or that the customer service staff's statement was unclear or even incorrect. The repayment date is mainly used by banks to judge whether the cardholder has a malicious overdraft tendency and judge the cardholder's economic situation. Therefore, repayment after the last repayment date will inevitably lead to overdue records. Whether this record can be changed from the central bank requires further consultation between you and the issuing bank. Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date.

It is suggested that if the total amount is not repaid, the minimum repayment amount can be repaid first, without affecting the credit line. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account. When a credit card (debit card) holder chooses the minimum repayment method or uses a card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and will pay overdraft interest calculated at the prescribed interest rate for the unpaid part from the bank bookkeeping date. The loan repayment period is also called "solvency analysis". Refers to the number of years required when the income and taxes that can be used as repayment ability are accumulated year by year to offset the loan amount according to the national regulations and the specific financial situation of the project. It is a comprehensive index reflecting the repayment ability and economic effect of construction projects. From the date of signing the contract to the date of full repayment of principal and interest, the loan repayment period shall not exceed fifteen years for heavy industrial enterprises, ten years for other enterprises and five years for sporadic or small-scale projects.

Hello! E-loan from China Bank. If it is overdue, can I apply to the bank for deferred repayment?

There is a one-day grace period for the repayment of principal and interest of BOC E loan. Bank of China e-loan has a penalty interest when it is overdue. The penalty interest rate is 65438+ 0.5 times of the interest rate agreed in the contract. For details, please consult the outlets of BOC e-Loan.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.

Can BOC e-loan negotiate deferred repayment?

If the user cannot repay the loan on time due to special reasons, such as serious illness, disability, unemployment, etc. As long as the supporting materials are submitted and approved by China Bank, you can negotiate with China Bank to postpone repayment. There is no special reason, but the user can't repay on time. The Bank of China will not agree to negotiate and then postpone repayment.

Therefore, before applying for a loan, please take your repayment ability into account, so that it is not easy to fail to repay on time.

How to handle overdue repayment of BOC E loan in China Bank?

China Bank BOC E loans overdue Repayment:

You can choose to log in to personal mobile banking and personal online banking channels to take the initiative to repay, or you can wait for batch deduction.

Tips:

1. Sufficient funds should be deposited in the repayment account when batch deduction is made.

2. BOC's core system will make batch deductions before 5 am and around 5 pm.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.