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The difference in repayment methods for small loans for different groups of people is so great!
Online loan platforms are constantly emerging, and people are borrowing more and more channels. In order to meet the needs of different groups of people, loan products are also full of tricks. It is worth noting that different people's repayment methods are different. So, which kind of repayment method is more suitable for those who apply for microloans? Today, I will introduce it to you by Rong 360 Xiaobian (chuqiankuai).
First, the income of the stable population
Users with stable income can use the same amount of principal to make repayments, and the borrower can reduce 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; there is also a way to shorten the loan period by early repayment, and all the payments for each period after one-time payment in advance, may not be needed. After the interest, the user saved a lot of money. 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 Xiaobian (chuqiankuai), different income groups can help them choose the right repayment method, and they can pay off their debts on time and maintain good personal credit. .
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