For example, car loans, housing loans and credit loans can all be paid after interest. As long as you choose the repayment method, you can choose the way of interest first and capital later.

What are the bank loans with interest first and principal later?

Bank loans with interest first and principal later are:

1, postal savings loan

Postal savings loan is a loan product for farmers and merchants (small business owners), and it is a short-term loan issued by farmers to meet their agricultural planting, breeding or production and operation needs. The maximum loan amount is 300,000 yuan, which can be repaid with the loan. You can choose to repay the principal and interest in one lump sum, with interest first and principal later.

2. China Agricultural Bank Online Loan

This is a personal consumption credit loan launched by Agricultural Bank of China for high-quality customers. It can apply for self-service online, and the system automatically approves the loan. The maximum amount is 200,000 yuan, the longest term is 12 months, and the annualized interest rate of the loan is the lowest 4.35%. It provides a variety of repayment methods, such as interest priority, principal and interest matching.

3. CCB Express Loan

CCB Express Loan is an online consumer loan under the China Construction Bank, which provides a variety of loan products, such as auto e-loan and express e-loan. The maximum amount is 200,000 yuan and the maximum period is 5 years. The loan is repaid with the loan and the interest is calculated on a daily basis. Loans can be repaid in advance through mobile banking or online banking, with interest paid first.

4. Shanghai Pudong Development Bank loan

Silver point loan is a business model of Shanghai Pudong Development Bank for online acceptance, online contract signing and instant loan issuance for eligible customers through the Internet. Guarantee-free, pure credit application, real-time application, real-time approval, and support various repayment methods such as interest first and principal and interest matching.

Extended data:

Interest before interest means that the user pays the loan interest in each installment during the repayment period and pays the loan principal and interest of the last installment in one lump sum. Because interest before capital requires users to have strong repayment ability, users have excellent credit qualifications and have the opportunity to choose the repayment method of interest before capital. In addition, if you choose to repay the interest first and then the principal, you can also repay in advance.

Bank loans and some online loans support users to repay interest first and then principal, and the risk of overdue will be slightly greater than equal repayment and equal repayment of principal and interest.

Can the mortgage be repaid first and then?

Mortgage can not repay interest first, and its repayment methods are mainly equal principal and interest and average capital.

Among them, the matching principal and interest is the monthly payment of the same amount in the whole repayment period (the proportion of principal and interest in the monthly payment will change constantly; And the first monthly payment generally bears interest according to the actual number of days, which may be different from the subsequent monthly payment).

In the average capital, the loan principal is evenly distributed, and then the same amount of principal and interest generated by the remaining loans in that month are repaid every month during the repayment period, and the amount paid every month is less and less.

As for the interest before the principal, you only need to repay the interest every month during the loan repayment period, and then pay off the loan principal and the current month's interest in one lump sum in the last month.

If the customer wants to repay the mortgage, he only needs to repay it according to the repayment plan agreed in the contract every month. Because the mortgage is bound to the automatic repayment of the bank card, customers only need to pay attention to charging the repayment bank card regularly.

It should be noted that although interest before capital is not the repayment method stipulated in the mortgage loan, car loans support interest before capital, but usually the loan term does not exceed one year, and loans that exceed one year often cannot be repaid before capital.

How much is the car loan of 6.5438+10,000 yuan divided into 36 installments every month?

The car loan of CCB is 65438+36. What is the sum of the monthly principal and interest?

Matching principal and interest method: loan principal: 100000, assuming annual interest rate: 4.750%, loan term: 3 years, monthly repayment of principal and interest: 2985.88 yuan, total repayment: 104965438 yuan, and total interest payable: 749 1.68 yuan. The interest paid in 1 month is: 395.83; The repayment of the principal in the 1 month is: 2590.05; Since then, the monthly interest repayment amount has decreased and the principal has increased.

What conditions does the loan need to meet?

1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;

2 have a stable legal income and proof, and have the ability to repay interest;

3. When the loan business needs the down payment, it has the ability to pay the full down payment;

4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;

5, such as credit loans, need to have a good reputation;

6. Other conditions meeting the requirements of the bank.

Which is more cost-effective for bank loans, interest first, principal later and equal principal and interest?

1. Interest is preferred, which is suitable for users with high repayment pressure and less funds in the early stage. It means that the borrower repays the loan principal in one lump sum on the loan maturity date, and the interest is repaid on a monthly basis;

2. Matching principal and interest means that the borrower repays the same amount every month, including principal and interest. The monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month.

What should I do if the bank loan is not repaid?

1. The bank will take certain collection measures. In the initial phone call, if the loan is really overdue, you can explain your actual situation to the bank and try to apply for an extension, which depends on different bank regulations;

2. The extension will be regarded as negative information in the credit report, indicating that there are some problems in your repayment ability, but it is still better than the overdue situation.

3, overdue for more than 90 days, if the circumstances are serious, can be regarded as malicious overdue, and the bank's collection may also cause life pressure for themselves and their families, affecting the normal life of individuals and families;

4. In terms of overdue fees, there will be some fees such as liquidated damages and penalty interest, which need to be collected according to the contract. Different institutions and different loan products charge different liquidated damages or penalty interests;

5. It has an impact on personal credit records, and bad credit records become the resistance of mortgage loans such as round loans and credit card processing;

6. If you are sued to the court for failing to repay the loan after the execution of the court's judgment, you can report it to the Supreme People's Court and put it into the "list of people who have broken their promises", which is also commonly known as the "Lao Lai list", and you will be prohibited from traveling by high-speed rail.