Personal advice:

There is also a reason why Yonghui Xiaohui can't repay in advance, because we all know that Yonghui Finance itself has a lot of loopholes. If you want to repay in advance, the manual phone is always busy, so you must learn to understand relevant knowledge in your life. Only in this way can our life be better. Many people think that prepayment is normal, but for online lending institutions, this is a breach of contract. It is easy to become an unwelcome customer. I hope everyone can realize this. At the same time, you need to pay attention to make sure that you have a certain repayment ability before lending.

Extended data:

Loan notes:

At present, the competition between banks is very fierce. In order to gain more market share, banks will adjust the loan interest rate according to the loan interest rate range stipulated by the state. Therefore, when making loans, the fund demanders should "shop around" and choose low-interest banks to lend.

Many fund demanders are very casual when signing bank loan agreements. In fact, this natural and unrestrained behavior shows that they lack a good sense of financing and financial management, and often pay more interest when lending, resulting in artificially "high interest rates." Because some banks' loan forms will make fund demanders pay more interest invisibly. For example, loans that retain the balance of deposits and loans that withhold interest.

The so-called retained deposit balance loan means that when the fund demander obtains a loan from the bank, the bank requires him to retain a part of the loan principal and deposit it in the bank account, so as to limit the fund demander from repaying the loan principal and interest on schedule. But for those who need funds, the discount of the loan principal is equivalent to paying more interest.

The so-called interest deduction loan means that some banks deduct all the loan interest from the lender's principal when issuing loans to ensure that the loan interest can be repaid on time. Because this method will reduce the loan funds available to the fund demanders and objectively increase the financing cost of the fund demanders.