Is it true or not to receive the repayment text message of random loan? How to repay the random loan?

As we all know, after the loan is issued, it must be repaid at the specified time. At the same time, someone will call us or send a text message to remind us to repay the loan after the time. Although we are in the information age, we occasionally make mistakes, and at the same time, some lawless elements send text messages and call for extortion. We must have a clear understanding of this kind of illegal behavior and avoid being deceived. What should I do if I receive a repayment message? Let's take a look together.

1. Is it true or not to receive the repayment text message of the random loan?

I really received the loan repayment message. It's true. As long as it is overdue, it will call family and friends and send text messages.

Second, how to repay the loan with heart

The monthly repayment date of Sui Xin loan is the loan approval and issuance date. For example, if you apply for a loan on June 65438+1October 65438+July, the repayment date of the loan will be June 65438+July.

At present, repayment can be made in the following two ways:

1, equal principal and interest: you need to deposit all the repayment into the bound loan account, and the system will automatically deduct the repayment from the account on the repayment date of each month;

2. Repay the principal on a monthly basis, and repay the principal once at maturity: only for the quality customers of China Everbright Bank.

In addition to these two repayment methods, Everbright Sui Xin Loan also supports early settlement.

However, Sui Xin loan only supports one-time full prepayment, not partial prepayment. The specific operation process is as follows:

1. You can prepay at will through personal sunshine token online banking-personal loan-loan information inquiry-"prepayment" field.

2. You can choose "More"-"Loan Repayment" in the "Finance" column of Sunshine Token Mobile Banking for one-time full prepayment.

It should be noted that the prepayment of Everbright Sui Xin loan is non-refundable, and the loan applied before 20 17 19 needs to pay the prepayment penalty.

Calculation formula: prepayment penalty = remaining loan principal × penalty ratio (3% for loan term less than half a year and 2% for loan term less than 1 year, depending on the loan contract).

Third, do you want to borrow money for credit?

Everbright's follow-up loans need to be checked for credit information. Since the follow-up loan is jointly cooperated by China Everbright Bank and Zhongan Insurance, China Everbright Bank determines the personal premium rate according to the comprehensive evaluation of customer credit information, income and unit, and carries out differentiated pricing; At present, the premium rate of customers of China Everbright Bank's quality companies is 1%-6%. Therefore, it will be said that the answer to this question is yes.

To sum up, it is true that you received the short message from loans overdue, Sui Xin, which proves that you are overdue and need to repay as soon as possible. The loan period is one month. There are two repayment methods for random loans, namely matching principal and interest and paying interest once a month. But also supports early repayment, so the repayment method is still quite good. However, the intentional loan can only be paid off in one lump sum. You can find prepayment in the platform loan information, and then follow the steps. Sui Xin loan was collected at the meeting, which belongs to Everbright Sui Xin loan. If you have any other questions, please feel free to contact us.