Generally, the deduction will be made twice on the agreed repayment date, or the repayment will be made by itself on the repayment date, and the repayment must be completed before the afternoon of the repayment date 12, otherwise the repayment will be overdue. You can download the "My Nanjing" bank App, find a personal loan, and choose the amount that the individual needs to repay, so that the repayment can be completed. In addition, you can also repay according to the operation through manual customer service.

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First, how to repay the e loan?

Nanjing e-loan is similar to most online loan repayment methods and can support credit card repayment. So what is the deduction time of Nanjing E loan repayment date? Usually the agreed repayment date. Before 12 that night, as long as you have money, you can deduct it successfully. For credit card non-cash transactions, the interest-free repayment period is from the bank bookkeeping date to the due repayment date. The interest-free repayment period varies according to the regulations of each bank. The shortest is from the billing date to the final repayment date, and the longest is from the day after the billing date to the final repayment date of next month. If the billing date is 1 day and the final repayment date is 20 days, the shortest is 20 days and the longest is 50 days.

Hello, e-loan repayment methods are different according to the loan term. For example, for loans within 1 year, there are three repayment methods: monthly interest, average capital, and one-time repayment with equal principal and interest. For loans with a term exceeding 1 year, there are only two repayment methods: average principal and equal principal and interest.

No matter which repayment method you choose, you must deposit the loan principal and interest into the repayment account agreed in the contract before the last repayment date of each month 17:00, so that the banking system can automatically deduct the money. If the deduction is successful, this month's arrears will be paid off.

Second, can you repay in advance?

Hello, e-loan can be repaid in advance, but pay attention to the time of prepayment. According to different channels, repayment methods are different. Hello e-loan can be APPlied online through mobile banking app, hello banking app, QR code scanning and other channels, or it can be handled offline at Nanjing Bank Branch.

1. If it is handled online, the loan date cannot be repaid in advance. On the next day and after the loan date, it can be handled at the business counter, bank e-banking channel or third-party cooperation channel according to the contract within the time allowed by the system;

2. If it is handled offline, the loan cannot be repaid in advance on the day of lending. You can apply for a loan the next day and after, but you need to contact the account manager in advance to repay in advance.

Third, how to apply? Nanjing e-loan application requirements are very strict. Only customers who have worked normally in Nanjing for more than two years, paid five insurances and one gold, have a good credit record and meet the requirements for personal loan application of Nanjing Bank can apply. Individual customers with good credit records can log in to the "My Nanjing" mobile app to apply. You can download the "My Nanjing" mobile app in major application markets. To apply for Nanjing e-loan, you don't need to provide any paper materials or any mortgage guarantee. Customers can quickly obtain consumer credit loans with their fingers. The loan amount can be up to 500,000 yuan, the term is flexible, and it can be recycled within the validity period. A single loan has the shortest term and the longest term is 1 year. Can be used for customers and their family consumption, such as decoration, car purchase and garage, wedding, travel, study abroad, large consumption of durable goods and so on.