How to repay the loan? Can you pay off in advance?

How to repay the loan, this involves the following aspects.

1. When you use Shengbei to repay your credit card, the amount determines the amount you can repay, and the amount of Shengbei is generally 2,000-20,000 yuan, and the limit is related to your credit, the better the credit, the higher the limit. 2. The rate is also a concern for users, and the better the credit, the lower the rate. 3. The borrowing cycle can be selected according to your personal financial expectations, which can be divided into 3 months, 6 months, and 12 months.

Shengbei can be said to be the best credit card product in China, not to mention the fast lending speed, the repayment interest rate is 6% off the bank interest rate, saving a lot of money. However, there are a few points that you need to pay attention to when repaying your credit card with Shengbei:

1. How to repay with Shengbei, about 10 minutes after your loan is successfully received, the app will automatically issue a "repayment plan", and you can repay according to the "repayment plan" every month. Shengbei provides two methods: active repayment and automatic repayment. , Active Repayment:

Log in to the Shengbei app account to repay; At the same time, Shengbei also opened "WeChat repayment". Automatic repayment: You only need to set up automatic repayment through "Bank Card Management", and Shengbei will automatically deduct the money from your bound savings card on the deduction date of each month, but it is important to ensure that the bank card is not in the state of loss report or frozen.

2. Save early repayment, no matter how many installments you initially choose, you can repay in advance as needed. If you need to repay in advance, please go to the "Repayment Plan" of the app, select all the installments and click "Repay".

3. Save the time of self-deduction of the system. If you have set up the card self-deduction function, the system will automatically deduct the amount at about 7 o'clock on the repayment date every month, and if the deduction fails, it will be deducted again at 21 o'clock, please ensure that the deduction account has sufficient funds.

4. You can repay several credit cards, and you can repay multiple cards in installments as needed as long as you are within the limit according to the actual situation.

5. The repayment date of the province, the first repayment time is related to the time of your borrowing, 10 minutes after the successful borrowing, you can check your repayment date in the "repayment plan" in the app, and you can also check the repayment time and repayment amount of each period.

6. How many installments can be repaid in Shengbei, and there are three types of repayment periods: 3 installments, 6 installments and 12 installments.

About 10 minutes after your loan is successfully credited to your account, the app will automatically issue a "repayment plan", and you need to repay the loan according to the "repayment plan" every month. Shengbei provides two ways of active repayment and automatic repayment, active repayment: log in to the Shengbei APP account to repay; At the same time, Shengbei also opened "WeChat repayment".

You only need to set up automatic repayment through "Bank Card Management", and the cooperative financial institution will automatically deduct the money from your bound savings card on the debit date of each month, please ensure that the bank card is not in the state of loss report or freezing.

Provincial. It is possible to repay the loan early.

However, for early repayment, the handling fee is still charged normally. The borrowing of the province can generally be divided into 3 months, 6 months, and 12 months, so it is recommended that you think about the specific borrowing cycle before borrowing.

Loan prepayment procedures.

According to the bank's regulations, customers who repay their loans in advance need to arrive one week in advance.

One month to submit a written application and agree on a repayment date.

Then, according to the agreed date, bring your ID card with your fingers.

Fill in the loan repayment application form and prepayment agreement with the bank, and deposit the loan repayment amount to the account where you withhold the principal and interest of the loan according to the bank's requirements; There is no limit on the number of prepayments made by banks, and the loan can be repaid in full or partially at one time.

Some borrowers who repay their loans prematurely can choose two ways: reduce the monthly repayment amount with the same repayment period; Shorten the repayment period and keep the monthly repayment amount unchanged; Once confirmed by the borrower's bank, the Application Form for Early Repayment is irrevocable and has the same legal effect as a supplementary clause to the loan contract.

Loan prepayment procedures.

According to the bank's regulations, customers who repay the loan in advance need to submit a written application one week to one month in advance and agree on the repayment date;

Then, according to the agreed date, bring your ID card and the loan contract signed with the bank to the bank to fill in the loan repayment application form and early repayment agreement, and deposit the loan repayment amount to your account where the loan principal and interest are withheld according to the bank's requirements;

Automatic bank debit;

There is no limit on the number of prepayments that can be repaid in one go, or the loan can be partially repaid.

Partially prepaid borrowers can choose between two options:

Reduce the monthly repayment amount with the same repayment period;

Shorten the repayment period and keep the monthly repayment amount unchanged; Once confirmed by the borrower's bank, the Application Form for Early Repayment is irrevocable and has the same legal effect as a supplementary clause to the loan contract.

OK. Regardless of how many instalments you initially choose, you can pay it off early as needed. However, the province is a one-time handling fee, which means that the early repayment fee will not be refunded.

Nowadays, people are very fond of using some online products related to credit cards, such as credit card repayment platforms, credit card installment apps, etc. Among them, Huanbei and Shengbei are two more famous products, many people are using them, and many people are discussing these two products. I often hear people discussing which is more reliable, and I will compare it for you today.

What is it?

Huanbei is a credit card bill installment app, which mainly lends money to customers and allows customers to repay credit card bills. It is jointly operated by Shuhe Technology and Focus Small Loan, which is still very safe and reliable.

What is Shengbei?

Shengbei is also a credit card bill installment app, which mainly provides customers with a savings limit, so that customers can use this savings limit to pay off credit card bills. It is a product developed by Shenzhen Samoyed, which is also very safe and reliable.

Borrowing rate

1.According to official information, the lowest interest rate of repayment can be calculated at 5% off the bank repayment interest, and the annualized minimum repayment interest rate of the bank credit card is the minimum interest rate of the repayment can reach annualized, but this is only a minimum interest rate, and according to many netizens, their interest rates are not only its interest rate, the better the credit, the lower the lower.

2.Shengbei: The borrowing interest rate of Shengbei is 6% off the minimum repayment interest rate of the bank credit card, that is, the borrowing interest rate of Shengbei is at least about 6% off on an annualized basis. Therefore, the minimum interest rate of the province is of course, and there will not be such a low interest rate in actual use, because this is a minimum interest rate standard, and most people's interest rates will not be so low.

The above is the answer to the question of "which is more reliable?" They are both regular and reliable apps, which can be used to repay credit cards, and their borrowing interest is not very high, so you don't have to worry about paying back more and more, both products are very reliable.

Shengbei is a credit card repayment product that is deeply loved by people, and there are many people who use Shengbei to repay credit cards. And like this, if you repay your credit card through a third-party platform, you will naturally have to repay the third-party platform later. So, how to repay the loan?

Also, there are times when the repayment of the province fails. So, what should I do if I fail to repay the loan? I'm here to answer for you today.

How to repay the loan?

1. Take the initiative to repay.

Generally, after you borrow money in Shengbei, after the amount arrives, the Shengbei system will automatically generate a "repayment plan", and you can repay the loan to the province on the province app according to the repayment plan, or you can repay the loan to the province in the WeChat public of the province.

2. Automatic repayment.

After generating the "repayment plan", if you are worried about forgetting the repayment time, you can set up automatic repayment in the "Bank Card Management", so that when the repayment date comes, the savings will automatically deduct the money from your bound savings card, and you only need to ensure that the funds in your bound savings card are sufficient.

What is the reason for the failure of the repayment of the province?

1. The balance in the bound repayment account is insufficient.

If you don't have enough funds in the savings card you are bound to repay when you repay the loan, then you won't be able to repay the money.

2. Network reasons.

Sometimes, when you repay the loan, the repayment operation may fail due to network instability and other reasons.

The above is the answer to "How to repay the loan?" What should I do if the repayment fails? "of. When you repay the loan, you can repay the loan according to the repayment plan. If the repayment fails, you can go to see if it is because of the above reasons, and it is best to consult the customer service of Shengbei.