Excuse me. How did you remind me to pay back? Is it a short message reminder on the repayment date? Or a few days in advance? Will Alipay be pushed?

The loan repayment will be reminded by SMS, usually on the same day, and Alipay also has a corresponding push.

Alipay's entrance to repay the current arrears is only open on the repayment date, and there is no such entrance at other times, so you can only choose to repay in advance. Divide the loan amount into equal parts according to the total repayment months, and add the monthly interest of the remaining principal in the previous period to form the monthly repayment amount. So the monthly repayment amount of the average capital method is different.

That is to borrow Li Bai's "equal monthly payment". The monthly payment is the same. In the first half, the proportion of interest paid is large and the proportion of principal is small. After more than half of the repayment period, it gradually turns into a large proportion of principal and a small proportion of interest.

Extended data:

Alipay's loan repayment is introduced as follows:

You only need to repay the interest of the loan amount every month, and return the loan principal in one lump sum after maturity, so the repayment pressure in the last month is relatively high. In addition, the interest to be repaid every month is full interest, and the amount of interest is not small.

Users who often repay in advance will naturally not be loved by the loan platform. Therefore, when using flowers and borrowing flowers, we must also pay attention to the frequency of prepayment, especially after borrowing flowers.

Phoenix net-ants "borrow", I advise you to be kind.

People's Daily Online-Ant Financial responded by closing the "borrowing" function of some users: normal adjustment.