Loan amortization is a loan that the bank agrees the borrower to repay in installments within a certain period of time. When issuing such loans, banks must investigate the borrower's financial situation and repayment ability, and at the same time, they must determine the time of repayment in installments, the amount of repayment in each installment and the calculation method of interest in the loan contract. For example, a bank issues an installment loan of 1.2 million yuan, which is issued at the beginning of the year and recovered at the end of the year. At the end of each month, the loan is recovered at 65,438+million yuan, and the interest is settled at the end of the year. For the borrower, this method not only meets the demand for a large sum of money, but also reduces the interest burden of installment repayment. For banks, it not only provides loans, increases income, but also speeds up the turnover of loans and reduces the risk of installment repayment. In the past, only a small part of loans in China were granted in this form. With the reform of the credit system, this kind of loan will be popularized in a proper range.

If there is a demand for funds, Ping An Bank has launched unsecured credit loans, as well as mortgage loans and mortgage loans for houses and cars. Different loan application conditions and requirements are different. Whether the examination and approval can be successful is evaluated according to your comprehensive qualifications. For details, please log in to Ping An Pocket Bank APP- Finance-Loan and try to apply.

Reply time: 2020- 12-29. Please refer to the latest business changes announced by Ping An Bank in official website.

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