First, if your loan is equal in principal and interest or repayable by installments, then each installment needs to be repaid on time, not by installments. 2. If your loan pays the interest first and then the principal, or repays the principal and interest at maturity. That's right. It can't be done in stages. If it is not due, you can only contact the other party to negotiate the repayment plan.

Second, how to calculate the installment repayment time?

Flower bud installment repayment

Refers to the installment of bill amount, which can be used to installment the bill of the current month from the billing date to the repayment date. You can select the number of periods, including 3 periods, 6 periods, 9 periods and 12 periods, and the rates corresponding to the number of periods shall be subject to the page display; Minimum repayment amount of flowers

It is a new repayment method in Bai Hua, providing users with the service of paying only the minimum bill amount. On the final repayment date, the user only needs to pay off the minimum repayment amount, and the remaining amount bears interest on a daily basis. The user can repay the loan at any time, and the interest will stop after it is paid off. Both repayment methods will calculate the rate or handling fee.

The number of installments selected for repayment by installments is different, and the corresponding rates are also different. For details, please check after selecting staging in the main login account.

If the interest rate of the minimum repayment amount is fixed, the remaining unpaid principal will bear interest from the day after the repayment date, and the daily interest rate will be 0.05%, which will be recorded in the next month's bill.

So which one to choose depends on the owner's own needs. The minimum repayment amount is a new repayment method, so briefly introduce it:

1 When Bai Hua automatically deducts money, it can be set to deduct money according to the minimum repayment amount of the bill.

2. Operation path of minimum repayment amount of flower garden:

Open the Alipay client-My Flower Garden in the lower right corner-click Repay Now-you can choose the minimum repayment according to the page prompts-click to confirm the repayment and then follow the page prompts.

3 Minimum repayment calculation rules:

Minimum repayment amount = 10% of transaction principal (new consumption principal in this period-installment transfer-refund) 100% of all unsettled installment transactions in the account 100% of expenses (including handling fees) 100% of overdue historical bills, and the remaining unpaid/kloc-0.

Third, how to calculate the bank's one-year loan term, such as the loan issued on April 29, 20 15, and the maturity date is 20 16.

Hello! Generally speaking, the maturity of a loan is monthly. One-year loan, the lending date is April 8, 20 15, and the maturity date is April 8, 20 16. If you have any questions, I suggest you consult "Customer Service Online" /cmu/icslogin.aspx of China Merchants Bank? from = B& amp； Logincmu=0, we will serve you wholeheartedly!

Four, how to determine the maturity date of installment loans?

Sub-calculation: the maturity date of the first loan is 1 2009 10 month, and the maturity date of the second loan is1March 2009.