First, the repayment methods of rural credit cooperatives loans are:
1. Interest shall be settled annually, and the principal and interest shall be repaid in one lump sum at maturity.
2. Interest shall be settled quarterly and the principal shall be repaid in installments.
3. Pay interest quarterly, and repay the principal and interest once due.
Two, rural credit cooperatives credit card repayment methods are:
1. Automatic repayment: automatic repayment is also called agreed repayment. Credit cards of provincial rural credit cooperatives and rural commercial banks support automatic repayment associated with debit or quasi-credit card accounts of provincial rural credit cooperatives and rural commercial banks, and credit card accounts are deducted from the debit or quasi-credit card accounts regularly every month. There is no handling fee for repayment in this way, which can be handled through the provincial rural credit cooperatives, rural commercial bank online banking, outlet counters and credit card customer service hotline.
2. Online repayment: Credit card holders can make repayment through online banking of provincial rural credit cooperatives, rural commercial banks or online banking of other banks. There is no handling fee for repayment through our online banking. If repayment is made through online banking of other banks, the handling fee should be negotiated with other banks.
3. Mobile phone repayment: the cardholder can repay through the provincial rural credit cooperatives, rural commercial banks' mobile phone clients, provincial rural credit cooperatives, rural commercial banks' outlets, provincial rural credit cooperatives, rural commercial banks' self-service machines, other banks' counter transfers/remittances and other bank self-service machines.
Three, rural credit cooperatives student loan repayment methods
1. The loan interest of students during the school period shall be calculated according to the benchmark loan interest rate applicable to the agreed loan term, and the loan interest owed during the school period shall not be compounded.
2. Repaying the principal and interest of the loan after graduation: if the loan term is within 1 year (inclusive), the principal and interest can be repaid in one lump sum; If the loan term exceeds 65,438+0 years, the average capital repayment method or the equal principal and interest repayment method can be adopted, and it can also be repaid in monthly or quarterly installments or in one lump sum at maturity; If it is necessary to change the repayment method, the borrower should apply to the agency before the students leave school, go through the repayment confirmation procedures, formulate the repayment plan, and sign the Supplementary Agreement on Repayment of Student Loans. Interest on loans owed after graduation should be accrued and compounded.
3. The lender allows eligible borrowers to repay the loan in advance. The specific way to repay the loan in advance is determined by the borrower and the borrower through consultation, and the interest is calculated according to the actual term of the loan, and no other fees are charged except the interest payable.
4. Lenders can also stipulate a two-year loan grace period in the contract depending on the employment situation of students after graduation. During the grace period, only the interest is paid, not the principal. After two years, repay and pay off the loan principal within the contract period.
The above is the introduction of loan repayment methods of rural credit cooperatives, hoping to help everyone.