2. Confirm the specific repayment amount and how to issue a legally binding certificate with the signature and seal of the company as a legal person! It is recommended to keep all evidence for a long time.
Note: The repayment amount of Heng Chang consists of principal+interest+service fee. The principal and interest are not refunded, but the fees are reduced.
In Heng Chang, it is necessary to know whether to charge liquidated damages for early repayment through loan negotiation, depending on how the contract stipulates. Users can't make overdue repayment in daily life, because there will be penalty interest after overdue repayment, and the longer the time, the more penalty interest. Moreover, the platform will collect after overdue repayment, and the common collection method is to call the borrower.
In order to avoid overdue repayment after borrowing, users should know how much interest they have paid when borrowing. If the platform charges more interest, they should reduce the loan amount or give up borrowing. In the case of relatively high personal income, users can rest assured that the loan will be repaid on time in the later period.
Borrowers should compare different platforms when borrowing online, because different platforms give different credit lines and loan interest rates. Usually choose a platform with low interest rate to borrow, pay attention to the formality of the platform when borrowing, and avoid borrowing from informal platforms.
After loans overdue on the regular platform, the platform will upload overdue records to the credit information center. When personal credit information deteriorates, it will affect the handling of various loans, such as car loans or mortgages. Moreover, after the overdue arrears are returned, they will remain in the credit information for 5 years and disappear automatically after 5 years.
Extended data:
Pay off the loan in advance, read the loan contract clearly and compare the varieties of self-owned loans. Fully plan your own source of repayment funds. Maintaining a certain repayment amount is helpful for individuals to avoid taxes reasonably. Repaying the loan in advance should not only fully consider its own funds, but also comprehensively analyze the existing loan costs, compare the possible benefits of existing funds, make rational use of existing conditions, and improve the efficiency of fund use.