They haven't confirmed the receipt yet. What a hurry!

The total loan amount refers to the money in your account after the payment is confirmed. The order that was just closed today, the buyer has not confirmed the receipt, and the money is still on the platform. Only when he confirms the receipt will the money reach your account.

In the end, you didn't pay the deposit. Even if the buyer confirms the receipt, you can't withdraw it, 300 yuan.

Is the money in Duoduo's account the first day's payment?

The amount shown in the Pinduoduo payment account is the total payment. That is, the payment for the goods you sell is equivalent to the goods you buy with the payment! Not a loan! It's the quantity you sell.

Pinduoduo loan account is actually a payment account. When a merchant opens a shop in Pinduoduo, he will create an account. Once the goods are successfully sold, the payment will be credited to the account. In addition, the account also needs to be transferred to a certain margin, technical service fees and other expenses. There is no loan service in Pinduoduo. Users who want to apply for loans need to apply on other platforms.

What does the total loan balance mean?

It is the deposit and loan amount of financial institutions at a certain point, in which financial institutions mainly include commercial banks and policy banks, non-bank credit institutions and insurance companies.

The total loan amount is the loan amount agreed by the borrower when signing the loan contract with the lending institution, which is a fixed amount, and the loan balance is the outstanding loan. If the relationship between total loan amount and loan balance is explained by a formula, then loan balance = total loan amount-repaid loan amount.

Extended data:

Precautions:

1. When applying for the loan amount, we must be moderate and fully consider the financial situation and financial habits of individuals and families. Usually, the monthly repayment amount should not exceed 50% of the total family income.

2. Keep a good credit record. Once the credit record is bad, it will directly affect the operability of the loan and may even be refused by the bank.

3. When making a loan, you should provide real personal information to the bank, cultivate a good sense of integrity from the beginning, and never provide false information, otherwise it may be blacklisted by the bank and rejected by all banks. When personal information changes, it should inform the bank in time.

4. The loan applicant should have a stable source of income and have the willingness and ability to repay. Office workers should provide proof of unit salary, bank running water and so on. , and the company or self-employed to provide information to explain the operating conditions, provide bank flow, physical assets (such as real estate), financial assets (such as bank certificates of deposit, national debt).

Baidu encyclopedia-loan balance