No discount loan means that the user's bank flow can only get no discount loan. Due to the fierce competition in loan business between banks, banks are willing to give loan interest rate discounts to some users with good credit qualifications. The user's credit qualification conditions are general, or the bank flow just meets the requirements. At this time, only loans without discounts can be obtained.

No discount loan for bank running water means that users can only get no discount loan for bank running water.

Due to the fierce competition in loan business between banks, banks are willing to give discounts on loan interest rates to some users with good credit qualifications. Non-discount loans are loans for projects with relatively high loan risks. The user's credit qualification conditions are general, or the bank flow just meets the requirements. At this time, only loans without discounts can be obtained.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Legal basis: Article 680 of the Civil Code of People's Republic of China (PRC).

It is forbidden to lend at high interest, and the interest rate of borrowing shall not violate the relevant provisions of the state.

If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest.

If the loan contract does not specify the method of interest payment, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as having no interest.