When a bank applies for a loan, it must repay it on time. If you don't repay on time, it will have a bad influence on your personal credit information. All the credit products of the bank are connected to the credit information, and they will check the credit information and go to the credit information. After a bank loan, there are many repayment methods. Here is a detailed introduction to the repayment method of bank loans.

What are the repayment methods of bank loans?

1, equal principal and interest: the monthly payment is the same, the loan interest is mainly repaid in the early stage, and the loan principal is mainly repaid in the later stage.

2. Average capital: the monthly payment is reduced, the monthly principal is unchanged, and the interest is reduced.

3. Prepayment: You can choose one-time prepayment or partial prepayment for prepayment, or shorten the repayment period or reduce the monthly repayment amount after repayment.

4. Monthly interest repayment: only the loan interest is repaid every month, and the principal is repaid in one lump sum on the maturity date of the loan.

5. Pay back as you borrow: Bank loan products with daily interest can be paid back as you borrow, and you need to pay liquidated damages at any time.

6. One-time repayment of principal and interest: there is no need to repay the principal and interest during the loan period, and the loan will be repaid in one lump sum on the maturity date, with a short loan period.

If you can't repay after applying for a bank loan, you must actively communicate with the bank and find a way to solve it. If the bank directly ignores overdue loans, the bank will take certain measures. For example, if you directly sue the court and forcibly auction the collateral, the proceeds from the auction will be used to pay off the bank loan first.

The above is the way to solve the problem of bank repayment, and I hope it will help.