Pay back the mortgage with flowers, how low is your mortgage! If it's the last installment of the mortgage, it's ok to repay the mortgage at one time with flowers. Either cash out, can only be urgent, can not solve the mortgage problem.
How high is the flower volume?
Where is the source of funds in Bai Hua? It is not difficult to know from the company name that Chongqing Ant Micro Co., Ltd. only provides small loans, and 50,000 yuan is almost capped, generally around 1 000. How can I pay such a low amount?
Maybe you bought a small apartment of 20-30 square meters in a city below the third tier, and the loan was only tens of thousands of dollars. However, the amount of flower beds is relatively high, and it is still possible to use flower beds to repay the mortgage at one time. Or, in the last few installments of the mortgage, you can also use the flower buds to pay off the mortgage at one time.
The cash cost of flower buds is higher.
Flower bud is different from borrowing bud. You can't withdraw cash directly, you can only spend it. Because it is a consumer credit product, you don't receive credit information. The cost of offline merchants is generally 0.6%, and the longest period is 40 days; Generally, online merchants are 1%, and the longest time is 50 days (there are 10 days to confirm receipt).
If the cost is 0.6%, the annual interest rate is 365/400.6%=5.475%, which is lower than your mortgage? If not, there is absolutely no need to do these useless things at a loss.
What about turning to credit instruments such as borrowing?
It is even more unnecessary because the interest rate is higher. For example, based on the daily interest rate of 33,000, the annual interest rate is 0.03%365= 10.95%, which is much higher than the mortgage interest rate, and it is not willing to pay for it at all.
Therefore, if the mortgage is not the last installment, or the mortgage amount itself is not large, then there is no need to choose the flower garden, and the interest rate of the credit product itself is higher than that of the guaranteed loan product (mortgage is mortgage).
Second, can Alipay's ant flower buds borrow money from the bank after the deadline?
If it is overdue for more than three days, it will affect personal credit information, which will inevitably affect future loan demand. Only by returning overdue loans as soon as possible.
I borrowed it from Alipay for one year, but I haven't paid it back yet. Can I borrow them?
Alipay is overdue for one year and still can't get a loan.
If the garden is borrowed beyond the time limit, the amount will be reduced. If it is overdue, it will even be frozen, and it will be even more difficult to reopen it later. Overdue has a serious impact on personal credit reporting. Huayuan stipulates that serious overdue may lead to credit investigation, while overdue loans will lead to credit investigation. There are overdue records in the credit report, which will also affect the loan and credit card business in the bank.
If the overdue amount is relatively large, it will be punished, and if it is defaulted in bad faith, it may bear criminal responsibility. If the overdue amount of the loan is large and the overdue time exceeds 3 months, which constitutes malicious overdue, the borrower may be sentenced to compulsory repayment.
Extended data:
The overdue introduction is as follows:
If it is paid off before April 1, the installment fee for April, May, June and July will not be charged; If it is paid off after the billing date of April 1 and before May 1 of the next billing date, the installment fee for April will be charged, and the fees for May, June and July will not be charged.
It was found that the quota was not fully recovered. It is recommended to check the details and verify whether the operation has been carried out in stages. After the installment repayment application is successful, the line will not be restored immediately, and the line occupied by the corresponding transaction will be gradually restored with each installment repayment until the last installment or all installment arrears are settled in advance.