The time for the bank to repay the interest first and then the principal depends on the credit information of the lender's repayment within one year. If the repayment is good and there is no default or overdue, the bank will generally issue the loan again within one to two weeks after returning the loan principal. If the previous repayment is not good, the time may be extended, depending on the bank's handling.

1. What is interest before capital?

Interest before capital, literally, is also very clear, that is, pay interest first, and finally repay the principal.

The repayment method of interest before capital is often used in the business mortgage loans of enterprises, and a few credit loans of banks will also have this repayment method.

The repayment period is one year, for example, the loan is 654.38+00,000 yuan, and the monthly interest rate is 0.38%.

Then before 1 1 month, you only need to pay 3800 yuan of interest every month, and you don't need to return the principal. The final repayment is 3,800 yuan+principal 1 ten thousand yuan.

Note: Compared with other repayment methods, the capital utilization rate after interest payment is obviously higher, but the general repayment period is one year, instead of 10 years or even 20-30 years like the matching principal and interest, which is only suitable for short-term self-turnover, not suitable for some long-term investments, and should be considered comprehensively.

Second, unconventional interests first, then capital.

Interest before principal is generally a one-year term, and all the principal needs to be repaid at the end of one year. However, in recent years, a few banks have introduced a new repayment method of interest before principal, which fixes a certain proportion of principal every year and the interest decreases year by year.

For example, if the loan is/kloc-0.0 million yuan, the bank can repay the interest first and then the principal for 20 years. You don't need 1 0,000% to repay the principal every year, but you only need to repay 5% of the principal every year, which is equivalent to 50,000 yuan, which is exactly 20 years. It is just right to repay the principal once a year.

In the first 1 1 month of the first year, only 5% of the interest and principal of the current month can be paid in the last month.

Then in the second year, the interest will be calculated according to 950,000 yuan, and the monthly interest will also decrease. Similarly, 5% of the principal will be returned in the last month.

This repayment method solves the pressure of paying the full principal every year after one year's interest, and maximizes the utilization rate of funds.

Calculation formula: monthly interest rate = loan principal * monthly interest rate (since there is no need to repay the principal, each principal is calculated according to the initial amount, and the second principal is deducted from the principal).