How to define advance payment
In order to limit prepayment, some lending institutions put forward a concept called substantial prepayment. Different lending institutions have different standards for substantive behavior, but generally within 12 months, the borrower's prepayment amount exceeds 20% of the principal balance.
It should be noted that different banks have different types of loans and different requirements for early repayment. For the above information about the time, amount and liquidated damages of prepayment, it is best to ask the bank before signing the loan contract, and write relevant questions into the contract.
If you apply for a personal business loan from China Bank, China Bank currently provides you with prepayment service. The conditions for prepayment and whether to pay liquidated damages are clearly stipulated in the personal loan contract signed between BOC and you. In case of prepayment, Bank of China will charge fees according to the contract. The charge standard for prepayment is the loan interest of up to six months. The charging items and standards have been reported to the bank for supervision and made public through channels such as official website and business outlets. For details, please consult the loan handling bank of China.
If there is a demand for capital turnover, we recommend you to use Qianhua, a credit service brand under Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" in June 2065438+08). Big brands are reliable, with low interest rates and trustworthy. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
I know many small loan companies. Generally speaking, Baidu has the highest pass rate. The credit line is the highest. Nothing gave me a credit line of 9.5W My colleague directly approved a credit line of 18W.
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Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.
It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.
If the money spent is not enough or there is no limit, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict!
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