How to repay the loan in advance, how to repay in advance? So it s that simple!

Loan prepayment process:

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.

Article 32 The State shall implement a water intake permit system for those who draw water directly from the ground, rivers and lakes. Those who take water for domestic life, livestock and poultry drinking and other small amounts of water do not need to apply for a water intake permit.

Article 33 Where it is necessary to apply for a water withdrawal permit for a construction project of new construction, expansion or reconstruction, the construction unit shall attach a written opinion of the organ that examines and approves the water intake application when submitting the design task book.

Article 34 The use of water from a water supply project shall be paid to the water supply unit in accordance with the regulations. Water resource fees are levied on units in cities that draw water directly from the ground; For others who draw water directly from the ground, rivers and lakes, the people of the provinces, autonomous regions and municipalities directly under the Central Government may decide to levy water resource fees.

Article 35 Water disputes between regions shall be handled through consultation in the spirit of mutual understanding, mutual accommodation, unity and cooperation; If the negotiation fails, it shall be handled by the people at the next higher level. Before the settlement of water disputes, without the agreement of all parties or the approval of the people at the next higher level, within a certain range on both sides of the boundary line prescribed by the state, no party shall construct drainage, water blocking, water diversion and water storage projects, and shall not unilaterally change the status quo of water.

Article 36 Water disputes between units, between individuals, or between units and individuals shall be resolved through consultation or mediation. If the parties are unwilling to resolve the matter through negotiation or mediation, or if the negotiation or mediation fails, they may request the local people** at or above the county level or the competent department authorized by them to handle it, or may directly file a lawsuit with the people's court; Where a party is dissatisfied with the disposition decision of the relevant people** or the competent department authorized by it, it may file a lawsuit with the people's court within 15 days of receiving the notice.

Article 37 The people** at or above the county level or the competent departments authorized by them have the right to take temporary measures to dispose of water disputes, and the parties must obey.

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Article 39 The people's flood control command organs at or above the county level shall exercise unified command over flood prevention and flood control work. In the event of an emergency flood situation, the flood control command organization has the right to transfer the necessary materials, equipment, and personnel within its jurisdiction, and shall promptly return them or give appropriate compensation afterwards.

Article 40 The people at or above the county level shall, in accordance with the general principle of basin planning and ensuring that priorities are taken into account, formulate flood prevention plans and determine flood prevention standards and measures. The flood prevention plan for the major rivers in the country shall be formulated by the flood control command organization and submitted for approval.

After applying for a loan, many borrowers will want to repay the loan in advance when they find that the financial problem has been solved and they have money on hand to repay.

After all, borrowing more than one day of interest for one more day. Well as consumer finance.

Can I repay my immediate financial loan early? How to make early repayment?

1. Immediate financial prepayment regulations

There are many loan products under Instant Finance, including Instant Loan, Instant Wallet, Immediate Installment, etc., each different product has slightly different regulations on macro hardship periods, and the basic regulations are as follows:

1. Equal principal and interest products

Early repayment requires that the loan contract is not overdue, and if it is overdue, it must be repaid first and can be processed five days before the repayment date.

According to the self-service voice prompts, select [Business Handling] - [Early Repayment].

2. Virtual card products

Similarly, if there is no overdue bill or unpaid bill, you can repay the loan in advance in the [Unpaid Bill] - [Early Repayment] operation.

2. Is it good to repay the loan in advance immediately?

Since the product clearly indicates that you can repay in advance, but the unspoken rules of the industry, all online loan products do not support frequent early repayment, if you apply for a financial loan immediately every time, it is a few days before the repayment, then you will think that you are not so short of money, and you may be rejected if you apply again.

To sum up, immediate financial prepayment is a little more troublesome than other online loans, some products still need to go through customer service to operate, and you can only apply 5 days before the repayment date, it is recommended that you do not repay in advance frequently if you do not need to.

It should be noted that the early repayment of the loan needs to pay a handling fee of 200 yuan, and if the amount of the loan is relatively large, 3% of the loan will be charged as the default Qiqiao Xiangjin. It is recommended to look at the interest before repayment, if the interest exceeds 200, you can pay it directly in advance, which can save some money, but if the interest is not 200, it is better to pay it slowly, because the handling fee of 200 yuan each time is not small.

In addition to the early repayment of the user fee by the user, Immediate Finance also supports automatic repayment. As long as the user deposits enough repayment amount into the bound bank card before the repayment date, the system will automatically deduct the payment on the repayment date, and the user does not need to repay the loan manually, and there is no need to worry about the overdue problem. It is recommended that the borrower try not to repay the loan in advance, because in addition to the handling fee and liquidated damages, if there is often a situation where the borrower borrows and then repays the loan in a short period of time, the system will determine that the borrower has no need for funds, and the subsequent application for borrowing may be rejected.

Because many operations of the financial high-tech need to contact customer service to be carried out, it is more troublesome to carry out certain operations. When consumers need capital turnover, they can choose based on their own repayment ability and the advantages and disadvantages of the borrowing platform.

If you take the initiative to repay, the latest time on the day is 24:00, there are two time periods for automatic deduction, and the immediate financial automatic deduction time is generally around 8 o'clock in the morning of each repayment day, if there is no successful deduction, there is another deduction at 12 o'clock on the same day, if it is still not successful, you can consult the customer service staff.

Expansion] When will Alipay's Anyihua start to repay after borrowing, and how long is the repayment date?

Repayment date = day + 5.

The statement date is the corresponding period of the opening date of the credit account (if the payment date is 29 30 31, it will be postponed to 1 2 3 of the following month). Then the repayment date is extended according to this time for a maximum of 5 days, that is, 6 7 8 days, these days are repayment.

If you need to apply for immediate deduction, you can call customer service**400-036-8867 and select the function option of early repayment according to the self-service voice prompt. If you need to make an appointment for deduction business, you also need customer service to handle it, call customer service**, and select manual customer service to handle it according to the voice prompt.

Early repayment requires that the contract is not overdue, and there is no business withholding on the same day, and there is a restriction that it can be processed five days before the repayment date.

Anyihua is similar to a bank credit card, and the understanding of the repayment date can refer to the repayment date regulations of major bank credit cards.

Instant Finance has Duan Yuansheng products such as instant loan, immediate wallet, and immediate installment.

Immediate Financial Repayment Methods:

1. Normal repayment.

The repayment method of the immediate financial loan adopts the "equal principal and interest" repayment method. The lender only needs to repay the loan principal and loan interest in the same total amount on each repayment date, and the amount will be credited to the repayment bank card, and the system will automatically deduct the loan on the repayment date.

2. Early repayment.

3. Failure to repay.

If the repayment process fails, the borrower should not deposit the outstanding amount into the bank card at the specified time when repaying, resulting in the failure of repayment. If the borrower deposits money on time and enters the bank card, but the repayment still fails, you need to communicate with the customer service and repay the loan according to the operation of the customer service.

Negotiate to repay only the principal, the borrower needs to negotiate with the customer service of Immediate Finance, if Immediate Finance can agree, it can only repay the principal, if the negotiation fails, it can only repay all the principal, interest and other expenses in accordance with the loan agreement.

Because the borrower has already signed a loan agreement when he or she borrows money immediately, if the borrower fails to repay the loan due to his own reasons, he needs to deal with it in accordance with the relevant terms of the loan agreement. Immediate Finance is able to use legal collection methods to collect money.

If the borrower is really unable to repay the loan, you can communicate with the customer service of Immediate Finance and try to delay the repayment time. If you still can't repay the loan, it is recommended to negotiate with both parties to negotiate with Immediate Finance, and it is best to agree on mutually acceptable terms so that the loan can be repaid as soon as possible.

Overdue borrowers can borrow money or sell assets to obtain funds to repay the loan, and in the case of a lawsuit that has been sued, it needs to be enforced in accordance with the court's judgment.

For borrowers who are seriously overdue, Immediate Finance will use legal means to protect their rights and interests. Therefore, the possibility of overdue repayment being sued cannot be ruled out. If the debtor still refuses to repay the loan after being sued, then he will become a "bad guy".

Everyone must perform the contract in the process of using immediate finance, so as not to cause serious consequences.