E-loan can be repaid in advance, but we should pay attention to the time of prepayment, and the ways of prepayment are different.

Hello, e-loan can be APPlied online through mobile banking app, hello bank app, QR code scanning and other channels, or online on the website of Nanjing Bank Branch.

1. During online processing, prepayment cannot be made on the loan date. Loans on or after the date can be handled at the business counter, bank e-banking channel or third-party cooperation channel within the time allowed by the system according to the contract.

2. During the online processing, prepayment cannot be made on the loan date. The loan can be processed the next day or later, but you need to contact the customer in advance and then repay the loan in advance.

2. What are the repayment methods of credit loans? Which repayment method is good?

What are the repayment methods of credit loans? Which repayment method is good? As we all know, there are credit loans, mortgage loans and so on. After careful consideration, we all chose the appropriate loan method before the loan, but in the end we ignored the repayment method and rashly chose one, which eventually led us to pay a lot of interest. Then, what are the repayment methods of credit loans? Which repayment method is good? Let's get to know each other.

What are the repayment methods of credit loans? Which repayment method is good? At present, banks generally provide the following methods:

The first type: equal repayment of principal and interest. Using this repayment method, the same amount is paid every month, which is convenient to operate, and it is also convenient to arrange income and expenditure by bearing the same amount every month. This repayment method is suitable for borrowers with stable income. Its disadvantages are that the interest will not decrease with the repayment of the principal amount, the bank funds take up a long time, and the total repayment interest is relatively high.

The second type: equal principal repayment. This is also the repayment method commonly used by banks at present. The borrower will allocate the principal to each month and pay off the interest from the previous trading day to the repayment date. The total interest cost of this repayment method is low, but the principal and interest paid in the early stage are more, and the repayment burden decreases month by month. This repayment method is suitable for people with higher income at present, but it is predicted that their income will decrease in the future.

The third type: one-time repayment of principal and interest. The bank's stipulation for this repayment method is that if the loan term is within one year (including one year), the principal and interest will be repaid at the maturity, and the interest will be paid off together with the principal. However, when banks choose this repayment method, the approval will be stricter, and they are generally only open to small short-term loans. This repayment method is simple to operate, but its applicability is not strong.

Fourth: repay the principal and interest on schedule. After consultation with the bank, the borrower sets different repayment time units for the repayment of loan principal and interest. That is, decide to repay once a month, quarterly or annually. In fact, according to different financial conditions, the borrower collects the money to be repaid every month and pays it back together for several months. Not all banks have this repayment method, which is suitable for people with unstable income.

What are the repayment methods of credit loans? Which repayment method is good? The above are the explanations of several common repayment methods at present. Do you understand them? Each repayment method has its own advantages and disadvantages. After reading the above repayment methods, you can choose the one that suits you best and has the highest cost performance.

3. What are the repayment methods of credit loans?

1, average capital repayment method. The average capital repayment method is the same as the monthly repayment of principal, and the interest decreases month by month, with more interest in the early stage.

2. Equal principal and interest repayment method. Equal principal and interest repayment method, that is, the monthly repayment of principal and interest is the same.

3. One-time repayment. The one-time repayment method is to pay off the loan principal and interest in one lump sum after the loan expires.

4. Pay interest on a monthly basis and repay the principal when due. The lender repays the interest on a monthly basis, and pays the principal and last month's interest when due.

4. What is the best way to repay credit?

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