If the customer has enough spare money, he can repay in advance. After all, early repayment can reduce certain interest, and if you choose to shorten the repayment period after early repayment, you can also settle the debt as soon as possible; If you choose to reduce the monthly payment, you can also reduce the monthly repayment pressure.
If the customer has no idle funds, he can repay the loan in installments according to the repayment plan agreed in the contract, as long as he pays attention to avoid overdue, so as to avoid personal credit damage, affect the subsequent credit business and generate penalty interest.
Of course, if customers want to repay in advance, they should also choose the right time. If you just get the mortgage and repay it in advance, you may need to pay a certain penalty (many banks require repayment for one year, and some banks require repayment for three years); And if the repayment is made in advance in the later period of repayment, there will not be much interest reduction because the interest has already been paid almost.
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Du xiaoman
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200,000
Maximum amount (yuan)
The annualized interest rate starts at 7.2%
The daily interest rate is from 0.02%
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360 IOUs
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200,000
Maximum amount (yuan)
The longest period is 24.
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