1. You can't borrow after repayment: your early repayment proves that you are not short of money at all. You can't make any more money on you anyway. You might as well give this opportunity to those who really need it.
2. Reduced amount after repayment: If you repay in advance, the system will naturally think that your loan demand is not great, and it will naturally reduce your amount and give it to those who need it more.
3. Loan closure: Because prepayment can only recover less interest, and the system will also judge that prepayment has little demand for loan, and directly close your loan.
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1. "Borrowing" is a loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan. 2065438+20081October 9, 65438+2065438, or due to excessive leverage ratio, in violation of the relevant regulatory provisions of the central bank, actively closed some user accounts and controlled the loan balance. 2021165438+1October 8th news, it is reported that the name of Alipay's "loan" has been changed to "credit loan". In this regard, Alipay customer service responded that in order to facilitate you to know more about the actual consumer credit service providers, the consumer credit service provided by financial institutions cooperating with Ant Financial has been updated to "credit loan", and the credit loan page shows the name of the financial institution. After this adjustment, the original services such as borrowing, auditing and repayment will not be affected.
2.20 18 1.9 according to the news of Shanghai TV station, AliPay's small loan product "Ant Borrowing" voluntarily closed some user accounts because of its high leverage ratio, which violated the relevant regulatory regulations of the central bank to control the loan balance. From April 2065438 to April 2008, when the credit card limit was lowered by 80,000 yuan, Liang Yiming borrowed 60,000 yuan from several platforms such as Lending Bao, Micro-loan, Paipai Loan and Ping An Pratt & Whitney. However, after giving his wife and children living expenses and mortgage, the money left every month is not enough to repay these loans. However, when he still repaid the loan on one of the platforms and planned to take it out again to repay other loans, he was prompted that "the comprehensive score is insufficient and the loan cannot be made for the time being". "I can always borrow several times, and there are more than 20,000 quotas. I want to lend it out and pay my debts after I pay it back. The result is that it can't be lent out. Said let me supplement the information and borrow it in a month. But after a month, you will still get the same result. " The debt is pressing. Finally, it can only be delivered to the 7 14 anti-aircraft gun platform. To this end, Liang Yiming borrowed three books at a time and returned them all. After paying off the loan owed, there is even a surplus in hand. At that moment, he felt that he could live a stable life for the time being this month. However, people who are caught in the 7 14 anti-aircraft gun loan will not have a stable life.