1. The monthly insurance premium, monthly service fee and monthly guarantee fee are reduced and settled in one lump sum;

2. No reduction, the existing loan amount is divided into two phases, basically 60 phases;

3. Reduce the monthly service fee, monthly insurance fee and monthly guarantee fee during the unpaid period.

The simple and popular understanding of loan is to borrow money with interest.

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 can put centralized money and monetary funds out through loans, which can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The loan principle has the following points:

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

Interest refers to the remuneration paid by the borrower to the lender for obtaining the right to use funds, which is the use price of funds in a certain period of time. The loan interest can be calculated in detail by the loan interest calculator.

legal ground

People's Republic of China (PRC) Civil Code

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan. Article 672 The lender may inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.

General principles of loans

Article 19 Obligations of the Borrower:

1. It shall truthfully provide the information required by the lender (except those that cannot be provided by law), and truthfully provide all the bank accounts, account numbers and deposit and loan balances to the lender, and cooperate with the lender's investigation, review and inspection;

Two, should accept the lender's supervision of its use of credit funds and related production, operation and financial activities;

3. The loan shall be used for the purposes agreed in the loan contract;

Four, should pay off the loan principal and interest in time according to the loan contract;

5. The transfer of all or part of the debt to a third party requires the consent of the lender;

When intransitive verbs endanger the creditor's rights, they shall promptly notify the lender and take preservation measures.