Liquidation with interest is a special agreement on the repayment method of principal and interest in a currency loan relationship, that is, the borrower repays the loan principal and interest in one lump sum on the loan maturity date.

In accordance with the provisions on the calculation and settlement of interest on deposits of financial institutions in the "Notice of the People's Bank of China on the Calculation and Settlement of Interest on RMB Deposits and Loans", the interest on time deposits of entities and individuals will increase on the maturity date of the deposit. This is clear.

Regulatory agencies have made clear requirements for the banking industry to effectively implement the installment repayment of local financing platform loans. In principle, the principal should be repaid in equal amounts at least twice a year, or quarterly repayments are also possible, with interest. Sui Benqing.

The criteria for determining the establishment of a loan relationship:

First, there is an intention to borrow, and the most important thing is the amount of the loan.

The judgment standard is mainly based on the loan agreement or IOU, etc. Because there are many situations in life where no IOU is issued, so as long as there is other evidence to show that there is an intention to borrow, such as witness testimony (there is a witness testimony in this case) ), telephone recording, etc.

The second is the occurrence of borrowing and lending.

From a legal perspective, the meaning of a loan is only the establishment of a loan contract, and the actual payment of the loan still needs to be made. If the payment is through a bank, there will be a bank transfer statement, statement, etc. If it is a large amount of cash, the source of the money needs to be explained, such as bank withdrawal records, borrowing from a third party, etc., and a written document from the borrower confirming receipt of the money.