;? Most of the repayment methods supported by the loan platform are equal principal or equal monthly payments, but for friends who are under pressure to repay early, these two methods may not be suitable, so I would like to Look for a platform that supports repayment with interest first and then principal, so that you only need to repay a small amount of interest in each previous period, and finally repay the principal in one lump sum when the funds are turned around. So, what are the formal loan platforms that offer interest first and then principal?
1. Ant Jiebei is owned by Ant Group and has a strong brand background. Generally, people who use Huabei well can easily obtain a borrowing limit of up to 200,000, and repayment is supported in equal monthly installments. There are two types: interest first and principal later. It can be divided into up to 12 installments. Just select it in the "How to repay" column on the loan page.
2. JD.com gold bars are customized by JD.com Finance for JD.com users. For those who frequently use JD.com to shop, the quota is generally not low. According to feedback, most of them start at 50,000 and the maximum quota is 200,000. There are three repayment methods: equal principal amount, equal monthly amount, and interest first and principal later. Among them, the longest installment is 24 installments first, interest first, principal later, and the turnaround time for users is longer than usual.
3. Youqianhua is a credit service brand under Duxiaoman Financial. It is a formal licensed loan platform. Interest is calculated on a daily basis and the loan can be borrowed for up to 1 year. The repayment methods include interest first and principal later, and equal amounts. There are two types of principal and interest, but you cannot choose by yourself. Generally, the system will judge based on the user's comprehensive credit, and the actual installment method that can be selected on the loan page shall prevail.
4. CCB Quick Loan is a small credit loan launched by China Construction Bank. The loan amount ranges from 1,000 yuan to 200,000 yuan. It can be applied for through self-service online. There is no penalty for borrowing and repaying at any time. Not only It supports interest first and then principal, and also supports one-time repayment of principal and interest upon maturity of one year, that is, you do not need to pay back interest every month, and you can wait for the final maturity date to pay together with the loan principal.
5. Puyin Diandai is a guarantee-free pure credit loan provided by Shanghai Pudong Development Bank to qualified customers. The maximum loan amount is 300,000 yuan, which is higher than the general pure credit loan platform. The loan period It can be up to 5 years, but repayment with interest first and principal only supports loans within 1 year. For loans over 1 year, you can choose equal principal or equal principal and interest repayment. The above is the formal loan platform that pays interest first and principal later. Generally, loans from formal banking institutions within one year can support the one-time interest first and principal repayment method with monthly interest payments. I will not give examples here. .