If Bai Hua's repayment is two days overdue, the user will repay the loan within the grace period, and the repayment within the grace period will be regarded as the normal repayment of the user, and the normal repayment will not affect the personal credit.
Huayuan has a 3-day grace period for repayment, and it will be overdue only after 4 days of overdue repayment. After overdue, overdue records will be uploaded to Sesame Credit and People's Bank, which will affect personal credit.
Credit investigation is a Chinese vocabulary, and its pinyin is zhēng xìn, which means collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
If you borrow money from a bank, then the bank needs to know who you are; Need to judge whether you can repay on time; Have you ever borrowed money before? Is there any record of not paying back the money? Before the appearance of credit investigation, you should provide a series of proof materials to the bank: proof of unit salary, etc. The loan officer of the bank should also call your company. It will be two weeks or more before the bank tells you whether to lend you money. It's really that the bank is tired and you are bored. Borrowing money is really troublesome.
The appearance of credit investigation makes it easier for banks to know your credit status: they hand over their credit information about you to a special institution for summary, and this special institution will establish a credit file (that is, a personal credit report) for you and then provide it to banks for use. This kind of activity that banks enjoy credit investigation through third-party institutions is credit investigation. In order to improve efficiency, save time and do things for you quickly. With the intervention of credit reporting agencies and credit reporting, when you borrow from the bank again, the bank loan officer can check your credit reporting with your consent, and then spend some time focusing on verifying some problems, and will soon tell you whether the bank will provide you with loans. Banks save trouble, you worry. In China, the Credit Information Center of the People's Bank of China (hereinafter referred to as the Credit Information Center) is a specialized institution that establishes your "credit file" and provides personal credit information for commercial banks.
What will happen if flowers expire?
First of all, after the flower garden is overdue, Alipay will freeze the borrower's right to use the flower garden, and can't continue to use it before it is paid off. Even after it has been paid off, it needs to make a systematic re-judgment and decide whether to open it to the borrower again.
In addition, the overdue flower garden will also affect the personal sesame credit score and restrict the borrower from using Alipay. Other loan platforms will also check the borrower's sesame credit rating during the loan review.
As long as you find: Xiaoqi Credit Information, you can find your own online loan big data report with one click, which will have your credit rating score, blacklist and other important data.
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How long will it take to get the credit report overdue?
Bai Hua has been in contact with Bai Hang for a long time. The initial credit record shows that after the upgrade of Huayuan of Chongqing Ant Shangcheng Microfinance Co., Ltd., the cooperative financial institutions are more diverse, so the investors shown on the credit report are also different.
Under normal circumstances, if the flower garden is overdue for more than three days, it will log in for credit information, which will directly affect the personal reputation of the flower garden users.
If the borrower is not sure whether his flower buds will receive credit information, he can check the flower buds service contract to see if there is such a clause: in order to establish and improve the social credit system, he will truthfully feed back your records when using this service, so that you can provide relevant necessary information (including bad information) provided by you to credit service institutions such as Sesame Credit Management Co., Ltd., industry self-regulatory organizations such as China Internet Finance Association or other legal institutions.
If there is, it means that the borrower's flowers will definitely be credited.
What will happen if Bai Hua still fails to pay after the repayment date? What's the impact?
If you don't pay back the money after the repayment date, it will cause the expenses to be overdue and have a bad influence on your reputation.
1. If the arrears are not paid off, the user can't register or pay the fee for using the flower buds after the Tmall installment is overdue for 7 days. On the other hand, after the user is overdue for 7 days, the installment purchase has not been paid (the installment purchase has not been signed independently). The overdue amount of the user will return to normal after repayment.
2. After the user's Tmall installment or flower buds are overdue for 30 days, all products cannot be signed or paid, and consumer credit products such as flower buds and Tmall installment cannot be used permanently. The consequences are quite serious.
3. Overdue fee = overdue principal *? 0.05%* days overdue, of which overdue principal *? 0.05% is rounded to the nearest minute (it is recommended to repay the loan on schedule to avoid bad records affecting the credit).
Note that a good repayment record helps users' credit. Please repay on time to avoid bad records affecting credit. Therefore, we must keep in mind the repayment date of Bai Hua (monthly 10).
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Bai Hua bill installment repayment amount limit:
1. Of the payment amount, all the amounts except "overdue fee, minimum repayment cycle interest, installment fee and installment principal, deferred repayment fee and deferred repayment principal" can be amortized, and the installment amount must be greater than 10 yuan.
(For example, the repayment amount last month was 10000 yuan, including the installment amount of 2000 yuan and the handling fee previously applied, so the maximum installment amount this time is 8000 yuan. )
2. As long as the bill is issued at the beginning of the month, individuals can choose to repay by installments on 1- 10. The installment amount cannot exceed 90% of the amount due last month (excluding late fees, installment fees and installment principal).
For example, the amount due last month was 10000 yuan, including the installment amount of 2000 yuan and the handling fee, so the maximum installment amount this time is 7200 yuan. Repayment of principal by installments = total amount of principal to be repaid by installments ÷ number of installments.
3. Fee for installment repayment = total amount of principal to be repaid × total installment interest rate ÷ number of installments. The amount is accurate to the minute and month, and the balance is included in the down payment, and the handling fee is not refundable. There is only one opportunity to apply for installment repayment every month, which is irrevocable and unchangeable. Please confirm and make a choice.