Monthly matching (also called matching principal and interest): that is, the borrower repays the loan with the same amount (installment amount) in each installment, in which the amount repaid in each installment includes the interest and principal payable in each installment, which is repaid in installments according to the repayment interval, and all the principal and interest are paid off before the loan deadline.
Average monthly capital (also known as average capital), that is, the borrower must repay the average capital in each period and pay off the loan interest payable in that period. The principal returned in each period is equal to the total loan divided by the number of loan periods.
One-time repayment of principal and interest at maturity (interest will be repaid with the principal): (1) Also known as the final settlement method, it means that the borrower needs to pay off the principal and interest of the loan on the maturity date, and the interest will be repaid with the principal. Calculation formula: interest due = loan principal × loan daily interest rate × days actually occupied by loan principal (2) This repayment method is only applicable to personal loans with a term of less than one year (inclusive).
Repay the principal on a monthly basis, and repay the principal at maturity: the borrower must repay the loan interest payable in the current period in each installment, and repay the principal and interest at maturity once. Only personal loans with a loan term of 1 year (inclusive) and a loan amount of 1 ten thousand yuan (inclusive). Borrowers who handle "personal physical gold agency business" in China Everbright Bank can apply for RMB loans with their own physical gold held in Shanghai Gold Exchange as collateral. Personal physical gold pledge loan can be applied at the counter of China Everbright Bank. Personal physical gold pledge loan can be applied at the counter of China Everbright Bank.