BOC Consumer Finance has a three-day loan repayment period. If the borrower pays off the bank of China's consumer finance debt within the repayment period, it will not affect the personal credit information.

according to the regulations of CBRC, consumer finance companies are required to report their credit information. If the borrower is loans overdue, they will definitely report their credit information.

The simple and popular understanding of loan (electronic IOU credit loan) is to borrow money with interest.

loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other lending funds.

Banks put the concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

the "three principles" refer to safety, liquidity and efficiency, which are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks shall operate independently, bear their own risks, be responsible for their own profits and losses and be self-disciplined, taking safety, liquidity and efficiency as their operating principles."

1. Loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover loans within a predetermined period or realize them quickly without loss, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis for the sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate is higher than that of a short-term loan, and the benefit is good, but if the loan term is long, the risk will increase, the security will decrease and the liquidity will become weak. Therefore, the "three natures" should be harmonious, and the loan can not be a problem.

repayment method:

1. Matching principal and interest repayment: that is, the sum of the principal and interest of the loan adopts a method of monthly matching repayment. Housing provident fund loans and commercial personal housing loans of most banks have adopted this method. This way, the monthly repayment amount is the same;

2. Matching principal repayment: that is, the borrower repays the loan in each installment (month) evenly throughout the repayment period, and at the same time pays off the loan interest from the previous trading day to the repayment day. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower will repay the loan principal in one lump sum on the loan maturity date [for loans with a term of less than one year (including one year)], and the loan will bear interest on a daily basis and the interest will be repaid on a monthly basis;

4. Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally 1, yuan or an integer multiple of 1, yuan. After repayment, the loan bank will issue a new repayment plan, in which the repayment amount and repayment period are changed, but the repayment method is unchanged, and the new repayment period shall not exceed the original loan period.

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

6. Pay back as you borrow: the interest after borrowing is calculated on a daily basis, and the interest is calculated on a daily basis. You can settle the money in one lump sum at any time without penalty.