The online merchant loan amount can be restored after it disappears. In the process of online lending, it should be noted that there must be sufficient credit line first. If you lend out all the credit lines, you can't continue to use them. And try not to choose early repayment, because if the online merchant repays in advance, it will pay 3% of the loan principal as a handling fee, and it cannot be overdue. If the online merchant loans overdue repays the loan, this record will appear in the People's Bank of China's credit information, which will affect the personal credit information record.

Loan repayment method

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid according to the principle of paying the same amount every month. Most banks use this method for housing provident fund loans and commercial personal housing loans;

2. average capital repayment method: that is, the borrower pays the same amount of principal in each installment during the whole repayment period, and pays off the interest between two repayments. The specific time is from the last repayment date to the current repayment date. In this way, the monthly repayment amount will decrease month by month;

3. Pay interest on a monthly basis and repay the principal at maturity: that is, the borrower will repay all the principal on the loan maturity date, and this time it will be paid in one lump sum. The loan interest is calculated on a daily basis, and individuals need to take the initiative to repay at a fixed time every month.