Recently, a news about "borrowing comprehensive reform" has attracted widespread attention on the Internet. It is said that as long as the user is overdue, the remaining loan will be fully recovered. This news has upset many users who use borrowing. However, is this news true or false? Today, let's unravel this mystery together.
We need to understand what borrowing is. Borrowing is an Internet consumer product launched by Ant Financial, a subsidiary of Alibaba. Users can apply through mobile Alipay, and after review, they can get a certain amount of funds. The emergence of borrowing has provided convenience for many users who need short-term capital turnover.
But there are many netizens who said that it doesn't matter if it's closed, anyway, the amount given is not high, and now many people have used the Taurus flower on WeChat *** to replace Huabei to borrow, and the amount given is high and convenient, if there are friends who know or have opened it, leave it for comments, let everyone open it.
The statement that "as long as the user is overdue, the remaining loan will be fully recovered" is actually a misunderstanding of borrowing. In practice, the way to deal with borrowing is not so simple and crude. When the user is overdue, the borrower will take certain collection measures, such as ** collection, SMS reminder, etc. At the same time, late repayment will incur overdue fees, which will be included in the user's total repayment. In addition, if the repayment is overdue for a long time, the user's credit history will also be affected.
Why is there such a misunderstanding? This may be related to some misinformation on the web. On the Internet, there are a lot of negative reports and rumors about borrowing, and this information often causes panic among users. In fact, as a formal financial institution, Ant Financial complies with relevant laws, regulations and contracts in dealing with overdue loans. So, users don't have to worry too much.
Of course, as users, we should also establish a correct concept of borrowing. When using financial products such as borrowing, it is necessary to choose the appropriate amount according to your actual needs and repayment ability to avoid over-indebtedness. At the same time, it is necessary to develop good repayment habits and repay on time to avoid unnecessary troubles to your credit history.
The statement that "as long as the user is overdue, the remaining loans will be fully recovered" is not true. When using borrowing, users should establish a correct concept of borrowing and arrange their financial situation reasonably to avoid falling into unnecessary difficulties. As consumers, we must also learn to distinguish the information on the Internet, not to believe rumors, and to consume rationally.
In this era of information, we must learn to sift and judge and not be misled by false information. Only in this way can we better enjoy the convenience brought by technology and live a better life.