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Is there a difference in the way people repay for different types of loans?
With the development of the online loan platform, there are more and more ways to handle the loan business. There are different borrowing products for different groups of people, and different people have different ways of repayment. For the applicationMicrofinanceWhat kind of repayment method should users of different groups of people use? Next, Jiarong 360 Xiaobian will give you a brief introduction.
First, the income of the stable population
Users with stable income can useEqual principalThe way to repay, the borrower reduces the financial burden as the repayment period increases. During the repayment period, the principal that needs to be repaid is equalized, that is, the principal amount of the same amount and the remaining loan are repaid in the month, so the monthly repayment amount is fixed. The longer the repayment period you choose, the more interest you will have to pay, but it will reduce the monthly financial pressure on such people.
Second, the population with high income
Users with high incomes can repay on a quarterly basis, and each quarter is divided into three months, that is, the user pays off the arrears for three months at a time in each quarter, and the monthly repayment pressure does not exist. However, the financial pressure required for each quarter is very large, so it is more suitable for people with high monthly income.
Third, the population with low income
Low-income users can use the two-week repayment method to plan for the borrower to repay the arrears every two weeks. This repayment method can help users save some of the use of the loan principal, so the interest to be paid will be reduced;PrepaymentShorten the loan period, and all the money in each period after the one-off payment in advance can save the user a lot of money without the interest. However, not all lending institutions can repay in advance, so users should consult with relevant personnel before applying for loans.
The above is the repayment method for different groups of people applying for small loans. I hope that through the introduction of 360 Xiaobian, different income groups can help them choose their own repayment methods, pay off their debts on time, and maintain good personal credits.
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