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- Equivalent principal and interest equal principal two repayment methods for the crowd Equivalent principal and interest equal principal repayments, that way more money, please listen to melt 360 decomposition for you. The equal principal and interest repayments add up the total principal amount of the mortgage loan to the total amount of interest and then amortize each month of the repayment period evenly. As a repayment person, every month back to the bank solid ...
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- Investors must see: Different repayment methods yield big difference Compared with the traditional financial products, the biggest selling point of Internet banking is nothing more than high yield and convenience. Many investors think that the expected earnings of financial products is equal to the actual income, it is not true, different repayment methods are likely to make your earnings a difference of nearly 2 times.
Are there any differences in the repayments of different groups of people who apply for small loans?
With the development of online lending platform, there are also more and more ways to handle loan business. There are different loan products for different groups of people, and the repayments of different groups are also varied. For the applicationMicrofinance, Different groups of users should adopt what kind of repayment method is more suitable? Then melt 360 Xiao Bian for everyone to brief you.
First, the stable income of the crowd
A stable income users, you can useEquivalent principalWay of repayment, borrowers as the repayment period increases and reduce the financial burden. During the repayment period, the borrowers need to repay the principal equalized, that is, every month to repay the same amount of principal and remaining borrowings generated in the interest of the month, so the monthly repayment amount is fixed. If you choose the longer the repayment period, the need to pay more interest, but can reduce the monthly financial pressure on such people.
Second, high income people
High income users, you can make repayments in accordance with the quarter, each quarter is divided into three months, that is, users pay off one-off all three months each quarter, the monthly repayment pressure does not exist. However, each quarter need to repay the funds pressure is very large, so more suitable for high monthly income of people.
Third, low income people
Low-income users can use the biweekly repayment method to repay their borrowers once every two weeks for the borrower. This repayment method can help users save some of the use of the loan principal, so the need to pay interest will be reduced; there is anotherPrepaymentShorten the loan period, a one-time early payment of all the money after each period, you can not need the interest after the help to save users a lot of money. However, not all lending institutions can repay in advance, so users should consult with relevant personnel before applying for borrowing.
The above is the different groups of small loans for repayment, hoping to introduce Xiaobian 360 Xiaobian help different income groups choose their own repayment methods, to repay arrears on time, to maintain good personal credit loans again.
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