1. Negotiate with the platform to postpone repayment. For most people, they don't want to default on their loans on purpose. If they encounter some objective circumstances and have excellent repayment records before, they can try to apply to the platform for deferred repayment. In order to increase the success rate of negotiation, they can submit personal assets certificates, unemployment certificates and other materials.
2. Borrowing money from relatives and friends for repayment is not a negotiation application that all platforms will agree to. If it is rejected by the platform, it is still necessary to find ways to raise funds for repayment. For example, you can borrow money from relatives and friends first and pay off the bills of small loans.
When the economic situation improves in the future, you need to pay back the arrears in accordance with the prior agreement to safeguard your reputation and credit.
3. Liquidated assets can be used for repayment. You can also choose to realize some valuable assets in your hands for repayment. When you have some wealth management products, funds or stocks, you can also realize these products to raise repayment funds. If you have some valuable fixed assets, you can also realize the repayment. You need to solve your debt problem as soon as possible.
4. Find a third-party guarantee. Sometimes the application for negotiation rejected by the platform is a qualification worthy of attention. In this case, you can find some qualified third parties to guarantee for yourself, minimize the concerns of the platform and buy time for your repayment.
If you encounter financial difficulties only in the short term, finding a formal guarantee company can give the platform more confidence, but when looking for someone to guarantee, you must have enough confidence in your future income.
5. Improve your income level. You can improve your income level and increase your repayment ability through part-time work or other behaviors. However, your income cannot be increased casually. For people with more debts, it is not a simple matter to increase their income to repay their debts in a short period of time. For some debts that are not so much, it is more applicable.
6, reduce unnecessary expenses In daily life, you can also reduce some unnecessary expenses, so that you can accumulate enough repayment funds faster and solve your debt problem as soon as possible.
After applying for a small loan, if you don't get a loan for the time being, you can choose a suitable solution according to your actual situation.
In order to maintain a good credit record at all times, we need to pay attention to our online loan big data. Click Query in "Beijian Quick Check" to get your own online loan big data report and maintain good credit.
Extended data:
How long will it take for the reserve fund to be used again if it is overdue for one day?
For the case that Alipay's reserve fund is overdue for one day and the amount is frozen, it may not be recovered in a short time due to personal credit damage.
After paying off the debt, you need to take good care of your credit, participate in credit tasks, and improve your sesame credit score. It is recommended to wait for three to six months.
If the repayment has been made on time before, and the overdue situation is not serious, personal credit will be improved after three to six months, and the reserve fund is estimated to be restored.
If it still hasn't recovered, it can only continue to accumulate good credit.
Generally, the system will be re-evaluated every other month or so to ensure that the comprehensive score can rise steadily in the subsequent system evaluation.
In fact, it's best to form a good habit of paying back on time and try to avoid overdue behavior.
If it is always overdue, it is difficult to restore the use of the reserve fund, and expenditures and loans may also be affected.
The reserve fund will be automatically returned after 7 days of withdrawal, and must be deposited in Alipay in time.