：
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. A simple and popular understanding is that borrowing money requires interest. Through loans and monetary funds, banks can meet the needs of society for supplementary funds, expand reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
Repayment method:
(1) Equal principal and interest repayment method: equal monthly repayment of the sum of loan principal and interest. For housing provident fund loans and commercial personal housing loans, most banks have adopted this method. So the monthly repayment amount is the same;
(2) average capital repayment method: The borrower distributes the loan amount to each installment (month) in the whole repayment period, and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
(3) Repaying the principal and interest on a monthly basis, that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and is repaid on a monthly basis;
(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance by applying to the bank. Generally it is an integer multiple of 10000 or 10000. After repayment, the loan bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, subject to the new repayment period. Don't exceed the original loan term.
(5) prepayment of all loans: that is, the borrower applies to the bank to pay off all the loan amount in advance. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.