Just put the money into the repayment account, and then the bank will automatically deduct it. However, you must pay attention to the information. The bank will send you a message after automatic deduction. If I don't send you a message after the time, be sure to call the bank for advice. If the deduction fails, but you find out the next day, then you are overdue. You need to pay extra fines, and your personal credit score will be deducted, so you must pay special attention. In addition, if you are worried that you have forgotten, you can set an alarm clock on your mobile phone.
Second, how to repay the decoration loan?
Generally, repayment is made according to the equal principal and interest.
Third, how to repay the decoration loan?
Renovation loan repayment mainly includes the following ways: 1. Borrowers with matching principal and interest shall repay the same amount of loans in installments according to the repayment cycle, and pay off all the principal and interest before the loan term. 2. The borrower in the average capital should repay the average capital in each period and pay off the loan interest payable in that period. The principal returned in each period is equal to the total loan divided by the number of loan periods. 3. The equal-ratio progressive borrower repays the loan with a certain progressive amount (increasing or decreasing) every month, in which the monthly repayment amount includes monthly interest and principal, and repays the loan in installments according to the repayment interval, and pays off all the principal and interest before the loan deadline. Four. Pay the principal and interest monthly. The borrower shall repay the loan interest payable in the current period in installments, and repay the principal and interest once due. Pay the interest first, and then pay the same amount every month. Personal housing loan customers only pay interest but not principal before moving in, and after moving in, they take the repayment method of equal monthly or equal monthly principal and interest. 6. Credit installment repayment is a repayment method that divides the loan period into two sections and stipulates the proportion of the loan principal to be repaid in each section. The monthly repayment amount of each expected loan principal is calculated according to the monthly equal principal and interest, and the interest is calculated according to the actual occupation time of funds. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. Those who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the time for continuous deposit of housing provident fund before applying for loans is not less than 6 months. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families. When applying for housing provident fund loans, the loan applicant must have relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of housing provident fund loans. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. The longest term of provident fund loans shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
4. How many times is it appropriate for Guangzhou Rural Commercial Bank to repay the loan in advance?
1 3 times. Generally, Guangzhou Rural Commercial Bank can repay 1 3 times in advance, which mainly shows that its repayment ability is normal and it can repay on time, which can increase its credit qualification.