How to negotiate for an extension of repayment if the loan is overdue

If the loan is overdue, you can negotiate with Alipay to postpone the repayment: first contact customer service to explain the overdue situation and submit an application form; secondly provide personal information, proof of repayment ability and other information; then negotiate with customer service on the repayment plan, including Delay period, repayment amount, repayment date, etc.; sign a deferred repayment agreement after the final review is passed, and strictly implement the repayment plan.

How to negotiate for an extension of repayment if the loan is overdue

When the loan is overdue, the borrower can try to negotiate with Alipay for an extension of repayment . The following is the process and key points for negotiating an extension:

1. Contact customer service

• Contact Jiebei customer service through Alipay APP or official website.
• Describe the overdue situation and intention to extend.

2. Submit application

• # Provide personal information, reasons for overdue, proof of repayment ability and other information.
• Fill out the deferred repayment application form according to customer service requirements.

3. Negotiate a repayment plan

• Negotiate a new repayment plan with customer service, including extension period, installment amount, repayment Date etc.
• We will provide you with a reasonable repayment plan based on your actual repayment ability.

4. Review and Approval

• Customer service will review the application.
• After passing the review, Alipay will sign a deferred repayment agreement with the borrower.

5. Implement the repayment plan

• Make repayments strictly in accordance with the negotiated repayment plan.
• Excessive overdue times will affect Ant credit and personal credit.

Key points in negotiating deferred repayment:

• Take the initiative to contact customer service and communicate the overdue situation in a timely manner.
• Provide sufficient materials to prove your repayment ability.
• Propose a reasonable repayment plan based on the actual situation.
• Strictly abide by the deferred repayment agreement to avoid overdue payments again.

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