How to repay the good loan?

Calculation of repayment date of term loan

Borrowers can check the repayment plan of each loan through the website and WeChat official account, and get the exact repayment date of each installment.

The date after each natural month (next month 10) is the due repayment date, which is calculated from the loan success date (such as 10/0).

If the successful lending date of the loan funds is 29th, 30th or 3 1, there will be some special situations without specific dates (for example, there is no 30th in February, and there is no 3 1 in April, etc.). ). In this case, the repayment date will be automatically calculated forward. For example, the successful date of a customer's loan is 65438+1October 3 1, and the repayment date should be February 28 (if there is 29, it is 29), March 3 1, April 30, May 3 1 and so on.

Repayment method of term loan

There are two repayment methods for good loans: automatic repayment and manual repayment.

1. Automatic repayment

The borrower can designate a bank card as a withholding card by opening the "automatic repayment" function of Zhaolian Good Loan, and authorize Zhaolian Company to transfer money from your withholding bank card to repay the current loan on the repayment date of each month. It is recommended that you deposit the funds into the debit card account at least two days after repayment, so as to avoid the failure of deduction and repayment due to insufficient account balance.

2. Manual repayment

Borrowers can initiate repayment by recruiting official website and WeChat official accounts, and transfer the amount of their bank card accounts to the lender's accounts to repay the current loans. Please make sure that your bank card account has enough balance before initiating this operation. This method supports: current repayment, overdue repayment and early repayment.

Repay long-term loans in advance

After the loan is successful, the customer can repay the outstanding loan in advance on the second day of the loan and at any time thereafter through the website or WeChat official account, without charging any fees.

Customers who want to repay in advance must ensure that there are no overdue loans at present. If there is overdue loan, the overdue amount must be settled before prepayment; Prepayment means prepayment of the remaining principal of each loan, and the system supports prepayment by "reducing installment".

How to repay the good loan for Zhaopin recruitment?

Zhilian excellent loan repayment support: automatic deduction, active repayment. Automatic debit of bank cards is turned on by default. Active repayment process: log in to Mobile Banking-My All, find "I want to borrow"-"My loan"-"My credit line"-"Repayment" under "Loan", and select the corresponding billing operation to repay.

Precautions:

1. Calculation of repayment date. Starting from the loan success date (such as 65438+ 10/0), the date after each natural month is the due repayment date, so there will be special circumstances that some months have no specific date, and the repayment date will be automatically calculated forward.

2. Is there a grace period? If the deduction fails or the repayment is forgotten, the system will have a three-day grace period. It doesn't matter if you return it within three days. If it is not repaid after three days, the penalty interest will be calculated from the repayment date.

3. Whether the repayment period can be extended. At present, there is no function to extend the repayment period of a good-term loan, so it is recommended to repay the loan on time according to the date stipulated in the contract.

Matters needing attention related to mortgage loan

1. The loan amount is determined according to the borrower's personality, occupation, education level, repayment ability and the liquidity of the purchased house. The loan term is generally less than 30 years, and the maturity date of the loan cannot exceed the borrower's 65 years of age in principle.

2. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year.

3. The borrower shall repay the loan principal and interest according to the repayment method and repayment plan agreed in this contract. If the loan term is within 1 year (including 1 year), the interest shall be paid quarterly and the principal and interest shall be settled at maturity; If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid in monthly installments.

4. Choose the repayment method that suits you best.

5. Equal repayment, the repayment amount is unchanged (except for adjusting the interest rate), repayment is convenient, but interest is paid more.

6. Repayment with equal principal, and the monthly repayment amount will gradually decrease.

Process of applying for bank mortgage loan

1, select real estate

If buyers want to get mortgage services, they should focus on this aspect when choosing real estate.

2. Apply for a mortgage loan.

After confirming that the property you choose has bank mortgage support, the buyer should understand the bank's regulations on mortgage loan support for the buyer, prepare relevant legal documents and fill in the mortgage loan application form.

3. Bank comments

After accepting the loan application of the purchaser, the bank shall examine the qualification of the purchaser from the aspects of civil subject qualification, credit status and repayment ability to confirm whether it meets the prescribed conditions.

Two repayment methods of recruiting good loans

Not long ago, Zhaolian Consumer Finance Company cooperated with Sesame Credit to launch an Internet consumer credit product "Good Term Loan". A friend made it, and I don't know how to repay it. It is understood that there are two repayment methods for Zhaolian Good Term Loan. Let's get to know each other.

Method 1: self-service repayment

1. You can log in to Zhaolian for a good term loan and enter "My Loan-My Limit" to inquire about your repayment plan.

2. On the due repayment date of the loan, you can choose "Current Repayment", then choose the binding account number and enter the transaction password for repayment, or choose other repayment methods and enter the Wofu cashier to choose the ordinary bank card for repayment.

Note: Before the loan is due for repayment, you can choose "prepayment", enter the prepayment amount, select the repayment binding account number, then enter the repayment transaction password, or choose other repayment methods, and then enter Wofu cashier to choose an ordinary bank card for repayment.

For overdue loans, please click "Overdue Repayment", enter the overdue repayment amount, select the repayment binding account number, then enter the repayment transaction password, or choose other repayment methods, and then enter Wofu cashier to choose the common bank card for repayment.

3. Repayment succeeded!

Method 2: Automatic repayment.

1. You can log in for a good term loan, enter "My Loan-My Bank Card", select the bound bank card, and click "Set Automatic Repayment".

2. Enter the password of the term loan transaction.

3. The setting was successful.

4. The system will automatically deduct the monthly repayment amount for repayment on the due date of each month. You will be notified of the withholding result by SMS.

Note: Please ensure that the automatic repayment account is normal and has sufficient funds.