Borrow: To borrow (short-term or long-term) principal.

Interest payable has been accumulated.

Financial expenses do not bear interest.

Loans: bank deposits

2. What is the loan method of repaying the principal and interest every month?

At present, there are only two loan methods. Matching principal and interest repayment, matching principal repayment, one-time principal repayment, one-time principal repayment, installment interest repayment and free repayment.

Matching principal and interest repayment means that the repayment amount is equal every month or quarter, which is mainly applicable to loan applicants whose loan term exceeds 1 year and have stable income every month or quarter. By choosing this repayment method, the lender has less repayment pressure in each installment, but the overall interest expense is higher.

Average capital repayment method is that the principal repayment amount is the same every month or quarter, but the interest decreases every month. It is mainly suitable for loan applicants whose loan term is greater than 1 year and whose initial repayment period income is relatively high. Choosing this repayment method, the lender's repayment principal remains unchanged, interest is decreasing, and the total repayment principal and interest is also decreasing, which is conducive to saving loan interest.

There is also an interest-free one that only needs to repay the principal. Generally speaking, the time to pay off is relatively short. Usually paid off within one year.

Third, how can ants only pay interest and principal, and finally pay principal?

There are two repayment methods for ants to borrow money, equal payment and interest payment first. If you choose interest first, you will only pay interest every month and the principal in the last month. But this repayment method is not cost-effective, and the interest is twice as high.

1. After entering Alipay wallet, click All on the home page, and you can see that the ant borrows money.

2. You can see the item of repayment here, and click Enter.

3. Click on the loan record in the repayment interface, and then click on one of your loan slips to check the repayment date, and also make early repayment in this loan slip.

4. At this time, you can see the loan term written on this IOU, and then click prepayment to enter the Alipay repayment process.

5. Enter the amount you want to repay.

6. Repayment was successful.

Fourth, how to repay the principal and interest when the loan expires?

Can't repay the principal and interest together. The repayment methods of bank loans are divided into equal principal and interest and average principal. Equal principal and interest: the principal increases month by month, the interest decreases month by month, and the monthly repayment amount remains unchanged. Average capital: the principal remains unchanged, the interest decreases month by month, and the monthly repayment amount decreases. Repay the loan. The main difference is that the former has the same repayment amount plus interest, and the customer's repayment pressure is balanced, but the beneficiary is also called' diminishing repayment method'. The monthly principal is unchanged, and the interest repayment amount is gradually reduced.