Does Home Credit still need to repay now? What to do after the Home Credit loan is repaid

Hello! Regarding the question that Home Credit still needs to repay now, if you still have a loan that has not been repaid, of course you need to repay, and the borrowing platform needs to repay at any time.

Home Credit has always advocated rational borrowing and repayment according to the contract, and overdue repayment will not only produce unnecessary liquidated damages or penalty interest, but also have a negative impact on personal credit reporting.

Loan repayment generally needs to be repaid in accordance with the contract, it is recommended that you contact Home Credit customer service for consultation.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

It is advisable to repay the loan in a timely manner.

If you get a loan on it, it is recommended that you repay it in time, and the credit of the province will become black.

After the loan is repaid, the loan contract will be automatically terminated, and within three working days of repayment, you can call the customer service of Home Credit to confirm whether the contract has been terminated, so as to avoid the failure of the Home Credit system and not terminate the contract, which will have an impact on the user's credit value and other loan business processing.

If the user wants to terminate the contract after overdue or early repayment, he can negotiate with Home Credit customer service, and after reaching an agreement, the contract can be terminated.

After the termination of the contract, if you no longer want to use Home Credit, if you want to cancel your account, you need to take the initiative to apply to Home Credit to cancel your account, call Home Credit customer service directly**, submit an application to the customer service staff to cancel the account, and after the customer service staff confirms that your payment has been fully repaid, the account will be closed for you.

When the Home Credit loan is repaid, users who still need to continue the loan will be the same as the first time to apply for Home Credit business, and the second application business fee will include interest, customer service fee, loan management fee, customer protection service package handling fee (optional), flexible repayment service package fee (optional), and liquidated damages may be incurred if there is overdue.

Home Credit requires salespeople to clearly and transparently explain the composition of the fees before signing each loan application form, and prepare a "Notice to Borrower" for the user to clarify the important matters related to all outstanding loans under the user's name.

The loan was repaid and liberated.

There are many ways to repay the loan, such as using online banking to repay, running a transfer at the bank counter, using bank deduction, etc., and the borrower of Home Credit can repay the loan after checking the repayment information through Home Credit Finance.

Take the use of bank withholding repayment as an example: the borrower only needs to deposit the money into the withholding card before the repayment date, and then Home Credit will initiate the deduction on the repayment date.

However, if the funds are deposited into the debited bank card on the repayment date, it may cause the automatic deduction to fail, so you can call Home Credit Repayment**400-027-1268 to apply for a re-deduction.

The steps to repay the loan are as follows:

1. First, open the application Gitzo on your phone's desktop.

2. After opening the Home Credit client, click on Mine in the lower right corner of the page.

3. In My Page, click on the arrow pointing to My Loan.

4. On the page that appears, click on My Payment Date.

5. Then, click Repay Now and enter the transaction password.

Click on repayment in the Home Credit app. Home Credit APP is a mobile financial service mobile application officially launched by Home Credit, through the Home Credit financial client you can query personal information, account information, grasp your own financial status anytime and anywhere, Home Credit mobile client, to provide you with a better customer experience, perfect support for all kinds of large-screen mobile phones, so that you can enjoy a relaxed and freehand mobile financial life.

After the borrower has purchased the goods he wants, he only needs to contact the staff of Home Credit to apply for installments and submit the same personal ID card and other documents (bank card, work certificate, social security card, provident fund card, etc.), and the information can be approved. Normally, the review time is about 2 hours.

At present, the two most commonly used repayment methods are: equal principal and interest repayment method and equal principal repayment method.

1.Equal principal and interest repayment method: that is, the borrower repays the loan principal and interest with equal amounts of Jin Jianfeng every month.

In this way, the interest expense is the largest in the initial repayment, and the principal amount is relatively small, and then the principal repaid gradually increases as the monthly interest expense gradually decreases.

2.The equal principal repayment method means that the borrower repays the loan principal in equal amounts every month, and the interest decreases with the principal month by month, and the monthly repayment amount also decreases month by month.

Summary: Under the condition that the loan period is the same, the interest to be paid by the equal principal and interest repayment method is higher than that of the equal principal repayment method. Therefore, if you plan to repay the loan early, it is best to choose the equal principal repayment method. Depending on the repayment method, the borrower can choose to reduce the mortgage in the term or in full.