As people's payment methods change, everything becomes more and more digital. People are becoming more and more uncontrollable in spending money. Especially for many young people, their monthly income is often not even enough to support their own expenses. Therefore, in order to meet the consumer needs of young people, a variety of credit products have also emerged. For example, online loans, credit cards, Huabei, Borrow, Baitiao, and micro loans, etc., and loans are getting faster and more convenient.
But if this situation persists, it is actually very terrible for borrowers. In this regard, the central bank has issued warnings many times to avoid excessive overdraft consumption and avoid "credit life." According to the data released by the central bank, the total outstanding credit card loans in my country for half a year have reached 74.266 billion yuan, which has increased several times over previous years. We can imagine how terrible the growth rate is. In addition, it is important to know that the per capita credit limit of credit cards in my country is 23,300 yuan, so we can imagine how many people are overdue.
Among many credit products, in addition to credit cards, Huabei has a very large number of users, and it is also a lending product that is very popular among young people today. Huabei, officially launched in April 2015, is a consumer credit product under Alipay. When it was first launched, Huabei was actually mainly used in Taobao shopping, and then gradually evolved into a loan product that can be used online and offline. It also started as an auxiliary function of Taobao.
For those who want to buy but have no money, they can choose to use Huabei, which is equivalent to spending in advance, that is, "spend first, pay later". It is similar to a credit card, but it is easier and simpler than a credit card application. Therefore, it is naturally favored by a large number of young people. Moreover, according to relevant data, after users use Huabei, their personal spending power has increased by about 10% compared to before, especially for the middle and low consumer groups whose monthly average consumption is less than 1,000 yuan, the effect is particularly obvious.
users have significantly increased their spending power by 50% after using it. It is precisely because of this simple “consumption first, pay later” approach that once again has spawned a large number of people who “consume in advance”. However, although many people are happy when using Huabei for consumption, they are very painful when repaying the loan. There are not a few people who are unable to repay their debts.Therefore, more and more people are beginning to advocate rational consumption. Not long ago, Huabei also lowered the quota for young users, most of which were lowered to less than 3,000 yuan.
In addition, after derating, Alipay has recently launched some new features, which can directly adjust the amount of Huabei borrowing, payment order, and set spending reminders. Of course, in addition to rational consumption, many people also hope that it is better not to repay the loan, can you not pay it back? For this reason, Alibaba has also made some "means" to meet the demands of users. In these three cases, Huabei can indeed not be repaid, and Jack Ma will pay for you!
First, Huabai Koi
First of all, I don’t know if you still remember the Alipay "Huabai Koi" event. This activity is an activity launched by Alipay, mainly to give back to users, it is equivalent to a lottery. Winners can get a maximum amount of RMB 49,999 for Huabei free order. Although the amount of exemption is high, even if you win a lottery, not everyone can have such a high amount. For example, the quota for young people has recently been adjusted. If your quota is 3,000 yuan, then your highest waiver is 3,000 yuan. The specific waivers are based on your Huabei quota.
Second, help you spend the whole year
Every year in the Spring Festival, Alipay will launch a "Five Fortune Collection" activity, and everyone’s gathering is also in full swing. Of course, this year is no exception, but this year has changed. Become a "write rich", and recently it has also caused feedback from a large number of users. But it is not difficult for everyone to find that the collection of the Five Fortunes was full of enthusiasm, but in the end it was basically only a few yuan.
But in fact, people who "collect five blessings" and "write riches" are not only for the red envelopes of a few dollars or tens of dollars. Earlier, in the event of collecting five blessings, Alipay also issued a call "flower card" "Card. There is a number on each card. Among them, the highest award is "Repaying flowers for you throughout the year". The maximum amount is RMB 48,888. Of course, the amount is still related to your Huabei quota.
Third, no one can repay
We all know that Huabei is also a credit product.Essentially the same as a credit card. Generally speaking, if the user fails to repay the payment overdue, Huabei will have customer service to notify you of the payment. But if the user has not repaid, it will eventually be recorded in the personal credit system. However, there is a situation where the debtor does not need to be repaid, that is, the debtor has died and there is no heir. In this case, the debtor has no heir, and both Alipay and the bank can only treat it as a bad debt, but if there is an heir, the debt will be repaid by the heir. In other words, the heir not only inherits funds, but also debts or credit card debts that need to be inherited to repay.
Although it is said that the above three situations can be ignored, but the first two are based on luck, and no one wants the latter to happen. There is still the saying "Repaying debts is justified." Since we consume, we can only choose to repay. This also warns us that when we consume, we should consider whether we can afford it. If you can't afford it, then exercise restraint and consume rationally. Although it is said that "consumption in advance" can bring people the "pleasure" of consumption, the ultimate consequences still have to be borne by yourself.
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