2. In the future, on the premise that the monthly repayment amount is not lower than this minimum repayment amount, freely arrange the repayment method of the monthly repayment amount. Suitable for people with stable income who plan to repay in advance.
3. If it is not lower than the minimum repayment amount, the borrower can freely set the monthly repayment amount to maximize the convenience of the borrower.
How to determine the minimum repayment?
Taking Beijing as an example, the calculation formula of the minimum repayment amount is: the total loan amount × the minimum repayment amount per 10,000 yuan corresponding to the loan term = the minimum repayment amount of the borrower.
For example, if the loan is 1 10,000 yuan and the loan period is 30 years, the minimum repayment amount per 10,000 yuan during the loan period is 43.52 yuan according to the current benchmark interest rate of provident fund loans and calculated by Hualv.com calculator.
The minimum monthly repayment amount of the borrower = 100X43.52 yuan =4352 yuan.
How does the borrower adjust the monthly repayment amount under the free repayment mode?
You can notify the center in the following two ways:
1. The borrower can adjust his monthly repayment amount through the telephone voice system of 12329. The Borrower shall make adjustment within three working days (excluding the repayment date) before the current repayment date, and the monthly repayment amount shall not be adjusted from three working days before the repayment date to the repayment date. The borrower can only change the repayment amount through the telephone voice system of 12329 after the current repayment date.
2. The borrower can go to the counter of the loan business department and handle the business of adjusting the monthly repayment amount through the written entrustment of the counter. The borrower shall also make adjustments three working days before the current repayment date (excluding the repayment date), and the monthly repayment amount shall not be adjusted from three working days before the repayment date to the repayment date. When handling, you must bring your original ID card and a copy of your ID card, and sign the Notice of Borrower's Adjustment of Monthly Repayment. The loan business department shall examine and approve the borrower's application for adjusting the monthly repayment amount. The borrower can only go to the loan business department to adjust the monthly repayment amount once per period.