The term of Netjet loan is that the maturity date of a single loan is equal to the maturity date of the line. The longest application for ordinary customers is 1 year, and the longest application for special customers with scenes is 5 years. Please refer to the system display when applying.
For a one-year loan, the loan term is calculated from the date when the contract is signed (that is, the date when the customer's quota is approved). For example, if the signing date is 20 190228, the contract expires on 20200227; The term of more than one year is flexible. You can check the loan maturity date (loan → my loan) through pocket bank.
(Answer time: 202 1 1 6. In case of business changes, please refer to the actual situation. )
The validity period of the friend loan line of Beibu Gulf Bank
The credit line for friends of Beibu Gulf Bank is valid for three years.
The validity period of credit line means that the credit line granted by the bank to users has a validity period, during which users can apply for loans at any time. After the expiration, the user must re-obtain the bank credit line, so that there will be a new loan line validity period. Re-obtaining the credit line requires system review. The success of the last loan application does not mean that the user can apply for the next loan, so it is very important to make repayment records and credit records.
What do you mean by the maturity date and limit of the withdrawal period?
The withdrawal period refers to the date before the loan can be used, and the maturity date of the line refers to the credit period of the loan line.
Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
For example, if you apply for a loan with a line of 200,000, and the line expires after 24 months, and the withdrawal period is 12 months, then 12 months is the loan withdrawal period, and you can pay freely within the line. After 12 months, you can no longer borrow or use the line.
The withdrawal period is within the limit maturity date. The concept of the maturity date of the line is relatively large, and the withdrawal period of the loan is earlier than the maturity date of the line.
"The loan line expires" actually means that the loan line has a certain validity period and can only be used within the validity period. When the period of validity expires, the quota will be invalid, and customers can no longer borrow these quotas. If you want to continue the loan, you have to apply for a new amount. Of course, after the expiration, the system will generally evaluate the customer to see if he can continue to apply.
If the customer's borrowing behavior is good within the previous validity period, there is no overdue situation and the debt is normal, then the system will usually allow the customer to continue to apply for a line loan, and the new line provided may increase. The loan amount will generally remain stable within the validity period unless the customer has serious bad behavior.
Of course, it should be noted that the expiration of the quota has no effect on repayment. How long is the loan period applied by the customer? Repayment can be made according to the repayment plan within the loan period. The expiration of the quota is mainly for those unused quotas.
What does the validity period of the loan amount mean?
The loan is divided into stages, with the principal and interest repaid in one year and five years. This five-year loan is the longest term for you.
You can freely choose to borrow 1 year or 5 years. One year's interest is different from five years' interest.