Bank loans only need to deposit the repayment funds into the bank card and wait for the system to automatically deduct the money on the repayment date. Of course, the user can also start the automatic repayment service, so that on the repayment date, the system will initiate withholding from another bank card, and the withheld funds will be deposited in the bank card for repayment by the user, and the user does not need to take the initiative to repay. Whether it is voluntary repayment or automatic repayment, users only need to repay on time, and timely repayment helps users actively maintain personal credit information.

Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.

The loan skills are as follows. Reasons for borrowing: In the process of applying for a loan, the borrower should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.

Loan amount: The loan amount applied by the borrower in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want, and they certainly don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.

Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability and family income in detail. Make sure that your loan can be repaid on time no matter when, where or how.

Loan repayment: After the borrower successfully applies for a loan, he must repay the loan within the specified time. Don't take chances and delay the repayment time, resulting in a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.

Short-term loans refer to loans with a loan term of 1 year (inclusive). Short-term loans are generally used for the liquidity needs of the borrower's production and operation.

The currencies of short-term loans include RMB and major convertible currencies of other countries and regions. The term of short-term working capital loans is generally about half a year, and the longest is no more than one year; Short-term loans can only be extended once, and the extension period cannot exceed the original period.

The loan interest rate is determined according to the interest rate policy formulated by the People's Bank of China and the floating range of the loan interest rate, according to the nature, currency, use, method, term and risk of the loan, among which the foreign exchange loan interest rate is divided into floating interest rate and fixed interest rate. The loan interest rate is indicated in the loan contract, which customers can check when applying for a loan. There is a penalty interest for overdue loans.