1, click and click Loan in the service.
2. Click "Withdraw Block" to prepay.
Operating environment: Xiaomi11; miui 12.5； China Industrial and Commercial Bank 6.1.1;
Prepayment is generally divided into two ways: partial prepayment and full prepayment. According to the different repayment methods, the borrower can choose to reduce the term or amount. It is understood that there are three ways to repay the loan in advance for customers to choose.
First, all loans are repaid in advance, that is, customers pay off all remaining loans at one time. There is no need to pay interest, but it has already been paid.
Second, a part of the loan will be repaid in advance, and the monthly repayment amount of the remaining loan will remain unchanged, thus shortening the repayment cycle. (save more interest)
Third, some loans are repaid in advance, and the remaining loans remain unchanged. (Reduce the monthly seed supply)
Fourth, if a part of the loan is repaid in advance, the monthly repayment amount of the remaining loan will be reduced and the interest will be more)
Fifth, the remaining loans only shorten the repayment period. (The monthly payment increases and the interest decreases, but it is relatively uneconomical. ) Financial experts suggest that the repayment period should be advanced to make the interest on expenses less _
China Industrial and Commercial Bank was established in June 1984+ 10/0/. _ A large state-owned bank managed by Benzyl Bank, _ a deputy ministerial unit. The basic task of China Industrial and Commercial Bank is to raise social funds, strengthen the management of credit funds, support enterprises and serve China's economic construction through financing activities at home and abroad according to national laws and regulations.
20 17 In February, BrandFinance released the list of top 500 global brands on 20 17, and China Industrial and Commercial Bank ranked 10. 20 18 On June 20th, the report of China Top 50 was released. In July, Industrial and Commercial Bank of China released the list of 20 18, and Industrial and Commercial Bank of China ranked 1.
2. What are the loan repayment methods? How to calculate?
Hello, if you need to handle our loan business, please calculate the monthly payment according to the repayment method you chose at that time. The following is the calculation formula of repayment method for your reference.
1. The formula for calculating the monthly repayment amount of equal repayment is as follows:
Among them, monthly interest payment = residual principal × monthly loan interest rate;
Monthly repayment of principal = monthly repayment of principal and interest-monthly payment of interest.
2. The formula for calculating the monthly repayment amount of the average capital repayment method is as follows:
Among them, monthly repayment of principal = loan amount/repayment months;
Monthly interest payment = (principal-accumulated principal repayment) × monthly interest rate.
3. The repayment method of principal at maturity refers to the repayment method that the borrower repays the loan principal in one lump sum on the loan maturity date. The method of repayment of principal at maturity is applicable to loans with a term of 1 year (inclusive).
1. There are two repayment methods: monthly interest repayment method and interest repayment method.
2. Repaying the principal and interest on a monthly basis means repaying the loan principal in one lump sum on the maturity date of the loan, with daily interest and monthly interest settlement.
3. The method of repayment of principal and interest at maturity refers to one-time repayment of loan principal and interest on the maturity date of the loan. The repayment of principal and interest at maturity is only applicable to individuals and individual foreclosed loans in the integrated business processing system.
Below is a link to our loan calculator. Please try it:/cmbwebpubinfo/cal _ loan _ per.aspx? chnl=dkjsq
Third, how to repay the loan?
I. Bank personal loan process 1. Preparation of related procedures: The procedures to be submitted for general loans mainly include: loan application, customer ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse ID card and household registration book are also required). If it is a customer with a mortgage loan, it is necessary to issue a property certificate of the collateral; If you are a customer with unsecured loans, you need to provide a good credit record. 2. Apply to the bank: After preparing the relevant materials, the customer can submit the relevant materials to the bank or the law firm entrusted by the bank. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties. 3. Approval before bank lending: If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and explain the situation to the customer. 4. Go through other legal procedures: In addition to the contract, the customer also needs to go through some legal procedures. If it is the customer bank loan interest rate network of mortgage loan, the customer also needs to go to the relevant department to register the mortgage for future inquiry. 5. Bank Lending: After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account. II. Materials required for individuals to borrow from banks 1. The borrower's valid identity card and household registration book; 2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. Real estate title certificate; 6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)