Operating environment: the mobile phone is Redmi k30 i, and the applicable system is MIUI12.1.1.
Software version; 58 Easy Loan app (version number: V.2. 1.2)
Download 58 Easy Loan app (version number: V.2. 1.2) first, and then click My on the main page to view the emergency contacts.
Under normal circumstances, the results will be available on the same day, and under normal circumstances, the audit call will not be made. But in a few cases, 58 Good Loan will call the borrower or the emergency contact of the borrower. Before the loan comes down, everyone should pay attention to whether there is a phone call.
: 1. What is a loan?
1. Loan refers to the monetary funds provided by financial institutions such as national commercial banks to borrowers to repay the principal and interest at the agreed interest rate and time limit. Loans can be divided into short-term, medium-term and long-term loans, credit and secured loans according to whether there is guarantee or not, rural industrial and commercial loans and consumer loans according to loan objects and purposes, and personal housing commercial loans, personal housing provident fund loans and personal housing portfolio loans according to individual loan types.
2. In accounting treatment, the loan of an enterprise can be accounted for by the subjects of "short-term loan" or "long-term loan" according to the length of the loan period, and then the loan interest can be accounted by the subjects of "interest payable".
Second: the repayment method of the loan.
(1) Equal principal and interest repayment method: equal monthly repayment of the sum of loan principal and interest. For housing provident fund loans and commercial personal housing loans, most banks have adopted this method. So the monthly repayment amount is the same;
(2) average capital repayment method: The borrower distributes the loan amount to each installment (month) in the whole repayment period, and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
(3) Repaying the principal and interest on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and repays the principal and interest on a monthly basis;
(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance by applying to the bank. Generally it is an integer multiple of 10000 or 10000. After repayment, the loan bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, subject to the new repayment period. Don't exceed the original loan term.
(5) prepayment of all loans: that is, the borrower applies to the bank to pay off all the loan amount in advance. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.