2. Repay the loan interest only within the grace period of the installment loan with equal principal and interest, and repay the loan according to the repayment method of equal principal and interest after the grace period; 3. Repay the loan principal and interest in one lump sum at maturity;

Materials to be submitted when applying for small loans: [/b] 1. Small loan application form; 2. Original and photocopy of valid identity documents; 3. Proof of permanent residence in the local area or residence for one year; 4. Other materials required for handling loans; 5. Marriage certificate or marriage certificate. (b) To apply for a merchant loan, you also need to provide: [/b] 1. Original and photocopy of the business license that has passed the annual inspection; Engaged in franchising, it shall also provide the original and photocopy of the business license of the relevant administrative department; 2. Property right certificate or lease contract of the business premises.