Hello, the principal of the rural commercial bank loan should be paid off in half a year. Because the rural commercial bank loan is a short-term loan with a term of less than half a year, you must pay off the principal on time at the end of the loan term. In addition, the minimum repayment amount of rural commercial bank loans is usually 200 yuan, so you should at least pay off 200 yuan's principal. The maximum repayment amount of rural commercial bank loans is generally 500 yuan, which can pay off 500 yuan's principal at most. In short, the principal of rural commercial bank loans should be repaid in half a year, because rural commercial bank loans are short-term loans, and the term is generally within half a year. The minimum repayment amount is also 200 yuan, and the maximum repayment amount is also 500 yuan.
I want to borrow 3000 yuan, which is urgent. Get it right away and pay it off within six months. What should I do?
At present, we support China Bank's high-quality payroll customers, wealth private banking customers and mortgage customers to open the "BOC e-loan" business on their own in personal online banking and mobile banking. On the page of loan management-loan payment-revolving loan of BOC e-loan, you click the "activate" button, fill in the "contact address", select "repayment account" and fill in the contact information (contact name, mobile phone number, etc.). ), the application was successfully submitted after being certified by the safety certification tool. We will notify the customer by SMS after the approval (generally, it can be completed in 10-30 minutes). After the quota application is approved, you can withdraw money through personal online banking and mobile banking by clicking the "Use Money" link.
After submitting the withdrawal application, the funds will generally arrive in a few minutes. Withdrawals cannot be initiated from 10 to around 7: 00 the next morning.
Currently available uses are as follows:
1: Daily consumption, 2: education, 3: decoration, 4: medical treatment, 5: car purchase, 6: travel, 7: marriage.
The above contents are for your reference. Please refer to the actual business regulations.
Half-year quarterly repayment interest difference
Quarterly repayment and semi-annual repayment are two different repayment methods in loans, and there is a certain interest difference between them.
Take the average capital as an example. Suppose you borrowed 6,543,800 yuan, with a term of 654.38+ 0 years and an annual interest rate of 5%. If quarterly repayment is adopted, the principal of 25,000 yuan and the corresponding interest will be returned every quarter. Interest needs to be paid at the end of the first quarter 1250 yuan (i.e.1000005%/4); In the second, third and fourth quarters, you need to pay the corresponding amount of interest.
If the repayment method is adopted for half a year, the principal of 50,000 yuan and the corresponding interest will be returned every six months. At the end of the first six months, the interest is 2,500 yuan (1000005%/2); At the end of the last six months, you still need to pay 2500 yuan.
So in this case, the half-year repayment method pays less interest than the quarterly repayment method. But the specific difference depends on many factors, such as loan amount, term, bank policy and so on. Please choose an appropriate and affordable loan method according to your actual situation. For more detailed information, please consult professionals or bank customer service departments.
Go to the bank for a loan in the name of the company and repay it after half a year.
It is risky to borrow money from a bank in the name of the company, and the repayment after half a year does not meet the company's regulations.
1. First, go to the bank for a loan in the name of the company. If the purpose of repayment after half a year is to defraud the bank loan, this behavior is suspected of fraudulent loan.
Secondly, go to the bank for a loan in the name of the company. In principle, the loan shall be repaid by the company, and the shareholders shall be liable for the debts of the company according to the capital contribution.
Can ABC repay the mortgage in advance after half a year? If you want to pay back 1.5 million in advance, will it be restricted? There is no repayment period in the contract.
Hello! The handling method of prepayment of personal housing mortgage loan of Agricultural Bank of China is as follows: When the borrower applies for prepayment of mortgage loan, he must submit a written application to the lender at least 30 days in advance and get the consent of the lender. As the actual situation varies from place to place, please contact the Lender's account manager for communication. The information to be carried in the prepayment of individual housing loan is the borrower's identity document, the individual housing loan guarantee contract and the original housing loan repayment card (discount), and an application shall be submitted to the original loan agency in advance according to the contract. Please consult your local loan bank for details. The collection standard of liquidated damages for prepayment is based on the loan contract signed by the customer and our bank. Please check the loan contract or contact the loan agency for verification.
(Answer time: June 65438+1October 65438+1October 8, 2022. In case of business changes, please refer to the actual situation. )
Provisions on repayment of three-year loans once every six months
Provisions are as follows:
1, medium and long-term loans are repaid in installments, at least once every six months, and quarterly if conditions permit.
2. Users can choose to pay in advance. After applying for early repayment to the lending institution, the lending institution agrees to the user's early repayment, and the user can repay part of the arrears in advance or pay off all the arrears in one lump sum.