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Why do I have to repay in advance?

questioner: City: Nationwide Tags: Early repayment Question Time: 2017-10-19 06:48
                Some time ago, money is not good, I applied for itloanNow I have the money I want to pay off the loan, why can not IPrepayment?
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  •             Financial 360 small series
    2017-10-20 18:17
            Hello there,Early repaymentThere are different ways, most banks can provide five ways to advance repayment, for customers to choose.
    First, allPrepayment, That is, all the remaining customers will haveloanPay off in one go. (Without interest, but the interest paid has not been refunded)
    The second part of the early repayment, the remaining loans to maintain the same monthly repayment, the repayment period will be shortened. (Save more interest)
    Third, part of the early repayment, the remaining loans will be reduced monthly repayment, to maintain the repayment period unchanged. (To reduce the burden on the moon, but less than the second saving)
    Fourth, some early repayment, the remaining loans will be reduced monthly repayment, while the repayment period is shortened. (Save more interest)
    Fifth, the remaining loans to maintain the same total principal, only to shorten the repayment period. (Monthly increase, reduce some interest, but relatively uneconomical)
    Money managementExperts suggest that early repayment, should minimize the principal, shorten the loan period, the interest payments less.
  •             Financial 360 small series
    2017-10-20 18:17
            Hello there,Early repaymentThere is a requirement:
    First, the borrower should normally repay on a monthly basisloanThe principal and interest 6 months later, before they can put forward the first repayment of part or all of the loan in advance;
    Second, lenders should exercise strict loan management and stipulate the minimum amount for partial repayment of loans in advance, generally requiring more than 10,000 yuan.
    Third, borrowers should pay back the loan in advance 10 days or 15 days in advance. The borrower must submit written documents to the lending institution on the basis of the original loan contract, bank loan savings card, the monthly interest return on capital, and their ID card, etc. Application, and subject to its approval;
    Fourth, the borrower still needs to repay the principal and interest repayments of the original monthly loan in the current month, and at the same time, deposit the loan amount that needs to be repayed in advance into the bank savings card
  • Manager Zhao Credit manager Service Area: Shijiazhuang Service agencies: Teng letter
    2017-10-22 08:49
    PrepaymentNeed to call
  • Manager Chen Credit manager Service Area: Luoyang Service agencies: Pratt & Whitney peace
    2017-10-20 20:59
            Is it impossible to settle early?
  • Still not satisfied with the above answer? You can consult your expert about your problem

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