For example, if you want to reduce the penalty interest or extend the repayment period, as long as the customer has a good attitude and a strong willingness to repay, you can basically negotiate repayment with Gitzo. But for customers who are often overdue, the probability of successful negotiation will be low.
Extended data:
1. Does Gitzo's installment payment affect the mortgage?
1, Gitzo installment does not affect the mortgage. Gitzo installment is a consumer installment loan, and the loan amount is usually not high. As long as the user repays the loan on time, it will not affect the mortgage application. Of course, during the mortgage application period, users are still returning Gitzo's installment loan. At this time, we must pay attention to timely repayment, and do not generate overdue records during the mortgage application period.
2. Only bad credit records will affect users' mortgage application. As for the previous loan record or the existence of certain liabilities when applying for a mortgage, it will not affect the user's application for a mortgage.
2. How does Gitzo's settlement certificate come out?
1. After paying off the loan handled by Gitzo, if customers need proof of loan settlement, they can directly call Gitzo's customer service hotline at 400-8 1 1-3200 to apply to the customer service staff. Or log in to Gitzo APP and contact online manual customer service.
2. After Gitzo verifies that the customer has paid off the loan, it shall issue a loan settlement certificate and send it to the customer (it can be sent directly to the e-mail address for the customer to check).
3. If there is a Gitzo store near your place of work and life, customers can also bring their personal ID cards to the store to find the staff to handle the loan settlement certificate.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
Application version: 34.24. 1
3. Should Gitzo pay more than 24% interest?
1. If Gitzo's interest exceeds 24%, the user can not pay it back. Gitzo loan is a financial loan, and the interest rate of financial loan exceeds 36% to be considered usury. The loan interest rate exceeds 24%, but within the range of 36%, this interest belongs to the category of natural debt, and users do not return more than 24% interest. Gitzo sued the court, and the court did not provide legal protection.
2. Of course, the user has paid more than 24% interest according to the contract, and the user has already paid it. At this time, it is not allowed to apply to the court for retrieval.