Spread out completely

Matching principal and interest repayment:

That is, the sum of the principal and interest of the loan is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same.

Equal principal repayment:

In other words, the borrower will distribute the loan amount to each installment (month) evenly throughout the repayment period, and pay off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month.

Pay interest on a monthly basis and repay the principal when due:

That is, the borrower repays the loan principal in one lump sum on the loan maturity date [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.

Repay part of the loan in advance:

That is, when the borrower applies to the bank, he can repay part of the loan amount in advance, which is generally an integer multiple of 1 1,000 or 1 1,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

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 lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

Second, how to pay back the money owed to the bank more than ten years ago?

Legal analysis: 10 years ago, the bank loan was unable to repay, but now it wants to repay, and the interest will be calculated according to the overdue loan.

But ten years ago, the bank made bad debts, so you can negotiate interest concessions with the bank, or find someone to buy the bad debts of the bank first (at a discount on the principal), and then the bank loans will be completely cancelled.

1. As long as the bank owes money, it is possible for the bank to do so, which is decided by the bank itself;

2. If the amount owed reaches 1 10,000 yuan or more, and it has not been returned for more than 3 months after being collected twice by the issuing bank, it shall be deemed as "malicious overdraft" in criminal law and suspected of credit card crime;

3. The amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files the case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) * * * engages in credit card activities under any of the following circumstances, and shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(1) Using a forged credit card;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.

Interpretation of the Supreme People's Court and the Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impairment of Credit Card Management Article 6 If a cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it after two reminders from the issuing bank for more than three months, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law.

In any of the following circumstances, it shall be deemed as "for the purpose of illegal possession" as stipulated in the second paragraph of Article 196th of the Criminal Law:

(a) knowing that there is no repayment ability and a large amount of overdraft can not be returned;

(two) squandering overdraft funds, unable to return;

(3) Escaping after overdraft, changing contact information and avoiding bank collection;

(4) evading or transferring funds, concealing property or evading repayment;

(five) the use of overdraft funds for illegal and criminal activities;

(six) other acts of illegal possession of funds and refusal to return them.

3. How to calculate the interest if the bank loan has not been repaid for more than ten years?

What are the consequences of the loan money?

1. If it is really unable to repay, it shall negotiate with the lending institution.

2. If the lender fails to perform the execution within the performance period after winning the case.

3. Property, vehicles, securities and deposits in the name of the inquired lender.

4. If the lender refuses to perform the effective judgment because there is no enforceable property under its name, it will be found in the overdue repayment credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial detention.