1, average capital repayment method. Second class. The installment repayment method is generally a repayment method with the longest loan term of an enterprise, and the agreed quarterly repayment and quarterly interest repayment can basically be realized within the loan year of 10. The model belongs to enterprises and projects that conform to the national loan policy. No matter what kind of loan it is, the bank loan system recognizes the bank loan system, and it is also the lowest distribution method according to its own actual situation.

First, the repayment methods of corporate loans are divided into the following six types.

1. Equal repayment of principal and interest: General banks will recommend this repayment method, because the repayment amount is the same every month, which is suitable for borrowers with stable income. But the repayment is reduced, because the total interest on repayment is relatively high, and the bank funds

2. Equal principal repayment: this kind of interest is much less, but the repayment in the early stage is stronger, but the repayment pressure will decrease month by month, which is suitable.

3. One-time repayment of principal and interest: Although the repayment method is simple, it is not suitable for loans with a loan term of one year or less.

4. Pay interest and repay the principal on schedule: the lender can negotiate with the bank to specify the repayment time, which is suitable for loans with unstable income.

5. Equal principal and interest in installments: After the specified date is overdue, the borrower shall repay the loan in the form of equal principal and interest, and may postpone the repayment, but pay interest for a period of time.

6. Interest before capital: it is a very humanized repayment method introduced by banks. Customers only need to repay the maximum amount of interest every month. This repayment method is generally only used for commercial loans. However, because banks repay bank loans with interest after interest, enterprises need to spend a lot of money to repay bank loans at the end of each period.

The choice of repayment method is suitable for the enterprise according to its own repayment ability and operating conditions.

Second, corporate loans.

Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. Loans of enterprises are mainly used for the purchase and construction of fixed assets, technical transformation and other large amounts, which can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, unit time deposit certificates, gold, syndicated loans, bank acceptance bills, bank acceptance bills discounting, commercial acceptance bills discounting, buyers' or interest-bearing bills discounting, domestic factoring with recourse,

2. What are the repayment methods of commercial loans?

There are five common repayment methods for commercial loans: 0 1 and equal principal and interest.

Matching principal and interest refers to repaying the same amount of loans every month during the repayment period. The repayment amount of each installment includes principal and interest. According to different loan types, the proportion of principal and interest will be different.

The monthly repayment amount of the equal principal and interest repayment method is basically fixed, which is convenient for borrowers to remember and arrange the repayment plan reasonably. It is suitable for enterprises that have sustained capital gains and are relatively stable, but need to repay the principal every month and the capital utilization rate is relatively low. Compared with the repayment method in average capital, the repayment of principal per period is less and the total interest is higher.

02. Average capital

Average capital means that the lender distributes the principal to each month and pays off the interest from the last trading day to the repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month.

In corporate loans, in order to save interest, many enterprises generally consider equal principal repayment, but the monthly payment in the early stage of repayment is relatively high, so the pressure in the early stage is relatively high.

03. One-time repayment of principal and interest/interest before principal.

One-time repayment of principal and interest, also known as interest before interest, refers to the repayment of all principal and interest at one time after the loan expires.

This is the way for the People's Bank of China to issue individual housing loans within 1 year (including 1 year). In the enterprise loan, the enterprise repays the principal and interest to the financial institution at one time after the loan period agreed with the financial institution expires. The pressure of this repayment method is concentrated at the end of the loan period, which is suitable for enterprises with short-term ineffectiveness but good income expectations.

04. Interest before capital

Interest before interest means that the borrower only repays the interest required for the loan every month, and repays the principal in one lump sum after the loan expires.

This is a more humane repayment method. The company pays the loan interest first every month and the principal after maturity, which is conducive to improving the utilization rate of enterprise funds.

However, in order to effectively control risks, banks usually require enterprises to "cross the bridge" once a year, which leads enterprises to spend a lot of money at one time to temporarily repay bank loans within each agreed period.

05. Pay as much as you borrow.

Borrowing with repayment means paying the loan to the borrower in one lump sum. Before the loan expires, the borrower can repay all or part of the loan at any time according to his cash flow income. It can be planned at one time or repaid in multiple installments. If the repayment is made in multiple installments, the repayment amount for each installment shall be determined by the borrower.

Borrow-and-return method has the characteristics of high flexibility, which can be recycled during the credit period, and the interest is generally calculated on a daily basis.

3. What are the repayment methods that corporate loans can choose?

At present, there are three repayment methods provided by China Postal Savings Bank, namely, one-time principal and interest repayment, equal principal and interest repayment, and equal principal and interest repayment in installments.

(1) One-time repayment of principal and interest, that is, one-time repayment of loan principal and interest at maturity, is only applicable to merchants with a loan term of less than 3 months or farmers with a loan term of less than 4 months;

(2) Matching principal and interest repayment method, that is, repaying the loan principal and interest with the same amount every month within the loan term;

(3) installment equal principal and interest repayment method, that is, only the loan interest is repaid during the grace period of the loan, and then the loan is repaid by equal principal and interest repayment method after the grace period. For merchants, the longest grace period for loans is 4 months; For farmers, the longest grace period for loans is 10 month, and tier-one branches should reasonably determine the longest grace period for local loans according to the agricultural production cycle or situation.