Coordinate Guiyang, Honeycomb Loan Answer:

You can't reapply for a loan until the mortgage has been repaid for one year. However, the repayment method of banks to lenders is cyclical.

If the borrower's mortgage has exceeded the affordable repayment period, then the bank will repay it on the next repayment date.

If the borrower pays the mortgage. If you apply for a loan after half a year of repayment, you must ask the bank to agree or the lending institution to wait for the mortgage approval. In this case, changes should be made when applying again. Because many people generally can't afford to repay their loans, if not in this way.

Second, how to appeal when the lightning loan is required to repay in advance?

You can call the customer service of lightning loan, explain your loan situation to him, explain that you can't repay on time according to the contract, appeal to him, ask to cancel the prepayment and continue to repay on time according to the contract.

Third, China Merchants Bank lightning loan prepayment

The lightning loan of China Merchants Bank can be repaid in advance. The lightning loan of China Merchants Bank was successfully handled, and the repayment function was automatically opened. If users need to repay in advance, they can directly make self-service repayment through the "repayment as needed" function in the 724-hour flash loan module of mobile banking. The repayment method of lightning loan is similar to that of traditional loan, with equal principal and interest. The personal online loan service of lightning loan is one-off. The early repayment is completed, which is regarded as the end of the lightning loan service. If you need to use it again, you need to be invited by the bank to open it. The specific prepayment method of lightning loan is as follows: 1. Open the mobile banking app of China Merchants Bank (Apple 12, iOS14; ; China Merchants Bank version 9.5.2); 2. Log in to your personal mobile banking account; 3. Click Me in the lower right corner after logging in successfully; 4. Then click My Loan; 5. After that, you can see your loan record; 6. Click on the lightning loan to enter the lightning loan details page for repayment. Definition of matching principal and interest: matching principal and interest refers to a repayment method of a loan, which means to repay the same amount of loan (including principal and interest) every month during the repayment period. Equal principal and interest and average capital are not the same concept. Although the monthly repayment amount may be lower than that in average capital at the beginning, the interest paid in the end will be higher than that in average capital, which is also a method often used by banks. Introduction of China Merchants Bank: China Merchants Bank (1987) was established in Shekou, Shenzhen. It is the first joint-stock commercial bank wholly owned by an enterprise legal person in China, and it is also the first pilot bank to promote banking reform from outside the system. China Merchants Bank is headquartered in Futian District, Shenzhen. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. The development goal of China Merchants Bank is to become a leading retail bank in China.

4. How to repay the lightning loan of China Merchants Bank in advance?

Need to contact customer service

Then follow the instructions of customer service.