According to the purpose of the loan, we have several repayment methods:
(1) For commercial purposes, we can grant comprehensive credit for five years. After the property is mortgaged, we will give credit according to the maximum proportion. After the letter of credit is opened, we will take it as soon as possible, and we will pay interest as long as we take it. If you don't take it, you can pay it back at any time after you take it, and there is no interest afterwards. The maximum single use period is one year, and the comprehensive credit period is five years.
(2) Consumer use (provided before loan), taking decoration as an example, the longest term is 10 year, and the principal and interest are repaid every month.
(3) Consumer purpose (no need to provide the purpose before lending), and give the card account with the longest term of 20 years in the form of comprehensive credit. After the customer consumes, the bank automatically converts the consumption amount into a loan with a term of 10 years, and repays it in the form of principal and interest every month. Repayment can be made in advance at any time within the period of 65,438+00 years. After repayment, the available balance of the card account can be recovered and used again.