Repayment method of personal business loan of China Bank:

1. Personal business loans must be matched with flexible repayment methods according to the differences of customer loan purposes, settlement characteristics and other factors.

2. Within one year, flexible repayment such as monthly (quarterly) interest payment and due principal repayment will be supported, and the repayment method will be determined according to the loan situation for more than one year.

Due to the differences in business in individual regions, please consult the bank branch for details. You can also enter the bank's online customer service manual service and call the bank's customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan) for consultation.

The above contents are for your reference. Please refer to the actual business regulations.

How to repay the bank loan?

According to different loan types, repayment methods are different, and there are the following repayment methods:

Matching principal and interest repayment method: the repayment method is the same every month, and there are interest and principal in the monthly payment, which is the same every month.

Average capital repayment method: compared with the equal principal and interest repayment method, it is more. The monthly supply has interest and principal, and the monthly supply decreases.

Interest first and then principal repayment method: only interest is repaid every month, and principal is repaid at maturity.

Repayment of principal and interest at maturity: after the loan, it will not be repaid every month, and the principal and interest will be repaid after maturity.

Cash-on-loan method: how much interest has been used after the bank loan.

According to the loan contract, the principal and interest of the loan should be repaid on time every month. When the last loan is settled, the borrower shall go to the loan bank in person and go through the repayment settlement procedures at the counter.

Extended data

Matching principal and interest repayment method is to add up the total principal and interest of mortgage loans and then distribute them evenly to each month of repayment period. The monthly repayment amount is fixed, but the proportion of principal in the monthly repayment amount increases month by month, and the proportion of interest decreases month by month.