Relief loan refers to small and medium-sized enterprises with normal operation, good credit record, no judicial proceedings, safe capital account, real and effective purchase orders and sales contracts, temporary financial difficulties, and normal production and sales after relief, and apply for loans from financial institutions that carry out "relief loan" business. Financial institutions apply for loans according to the purchase orders (contracts) of the upstream (raw materials) and downstream (finished products) of the loan enterprises and the loan enterprises.

Loan repayment method:

(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repaying part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 1 1,000 or 1 1,000. After repayment, the loan bank will issue a new repayment plan, in which the repayment amount and repayment period are changed, but the repayment method remains unchanged, and the new repayment period shall not exceed the original loan period;

(5) Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the loan bank will terminate the borrower's loan at this time and handle the corresponding cancellation procedures;

(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.