Try to negotiate.
If the loan is not paid, the loan will enter the second-level management, and the lender will collect it from you then. The specific methods will vary from person to person.
When the loan cannot be repaid after three months, it will enter a non-performing loan, and the bank may recover it through administrative intervention or judicial channels.
If loans overdue behaves well, it can still be remedied. You might as well try the following methods.
1. Apply for loan extension
If the lender encounters temporary cash flow difficulties during the loan period, resulting in the inability to repay the loan principal on schedule and meeting the requirements for extension, in general, it may apply to the loan bank for extension 30 working days in advance.
2. Use credit card to repay in installments
But the lender needs to bear the installment fee.
Borrow money from friends and relatives
It's best to return it on time. This kind of human loan is definitely easy to borrow and repay, and it is not difficult to borrow again.
4. Earn money well and spend reasonably.
If you don't borrow money, you will never be overdue. You should still work hard to make money and spend it reasonably within your ability. In the final analysis, this is the fundamental way to solve the overdue.
You and me _ Baidu Encyclopedia
Is it reliable for you and me to negotiate repayment with customer service?
You and I can negotiate to postpone the repayment.
After handling your loan, if the user is unable to repay the loan, he can try to call the customer service phone of your loan and communicate with the other party to negotiate the repayment. Pay attention to sincerity in the negotiation process, inform the other party of the current inability to repay, and it is best to provide proof of inability to repay, and indicate the willingness to repay to the other party to see if it is possible to negotiate an extension or reduce interest.
If the negotiation is successful, the money will be returned on time according to the negotiation result. If the negotiation fails, the repayment must be made on time according to the contract.
In short, the success rate of repayment through negotiation between you and me is relatively low, and users are still prepared to repay in full and on time, because overdue will have a serious impact on users' personal credit information, and at the same time, they have to face various fancy collections on the platform and bear high overdue penalty interest.
If it is really impossible to avoid overdue, then you must answer the platform's collection phone after overdue, actively communicate and find ways to raise money as soon as possible.
Can you and I negotiate to postpone the repayment?
Neither you nor I can postpone the repayment.
The leading financial technology platform in China, you and I, are practitioners of financial reform, focusing on the capital development needs of small and medium-sized enterprises, self-employed households and farmers, and have long been committed to the construction and improvement of the national credit system. On May 9, 2009, it was successfully listed on the Nasdaq Global Select Market.
Your loan is a financial technology platform, which was officially launched in June 20 1 1 year, and the mobile APP was launched in June 20 14. The operator of your loan is Shanghai Nidai Internet Financial Information Service Co., Ltd., with a registered capital of 550 million yuan, aiming at providing users with efficient, transparent, safe and convenient Internet financial services.
You and I adhere to the small-scale decentralized loan business, and the service has covered nearly 30 provinces and cities across the country 100 cities and regions. The loans matched with the platform are mainly consumer loans such as rental and decoration, electronic digital and tourism.
Your loan financial technology platform was established in June of 20 1 1, which is a pure third-party online credit investment and financing service platform. As a third-party service platform, you and I don't absorb deposits or lend money, but only provide a series of related services such as credit consultation, evaluation, recommendation, fund adjustment and docking, and build a bridge for investors and borrowers to allocate funds. Your loan platform is independently built and operated by Shanghai Your Loan Internet Financial Information Service Co., Ltd..
Platform introduction:
Throughout the entire financial product market, traditional financial products are also accelerating e-commerce. More and more financial industries use Internet and other technologies to sell financial products, acquire new customers and complete customer service. Financial e-commerce has become a trend.
Adhering to the concept of "compliant development and smooth operation", after more than 8 years of development, our bank has grown into the top financial technology platform in China in scale and strength, and successfully listed on the NASDAQ global select market on May 19, 2009. The net income of your parent company Jiayin Jinke in 20 17 was RMB 2,250.9 million (about US$ 327.7 million), which was 280.8% higher than that in 20 16. In 20 18, Jiayin Jinke's net income reached 2.88190,000 RMB (about 4192,000 USD).
Platform concept:
You and I uphold the concept of "being partners with honest people and walking with you and me". Through your products, we can realize the great social value of helping workers, enterprises and agriculture, so that credit can truly become the carrier of realizing value and customers have the opportunity to change their destiny. "You lend me back" adheres to the service concept of "helping others", adheres to the principle of "honesty, innovation, dedication and cooperation", pays attention to morality and good career, aims to keep high, guard against risks and ensure the safe, standardized and coordinated operation of each customer's capital chain.
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