The repayment method of "lightning loan" adopts the method of equal principal and interest. After the loan application is successful, China Merchants Bank will provide customers with a detailed repayment plan to determine the time and amount of each deduction. The lender only needs to ensure that the current savings account of China Merchants Bank has sufficient funds before noon 12 on the deduction date.
If you want to pay in advance, you can call customer service 95555 directly, or through mobile banking or online banking. It should be noted that the repayment of "lightning loan" is one-off. Once the repayment is made in advance, the service of "lightning loan" will be over. If you want to apply for a loan in the future, you can only wait until the bank sends out the invitation of "lightning loan" again.
I also want to ask about the repayment method of lightning loan.
How to repay the lightning loan of China Merchants Bank?
There are two main repayment methods of China Merchants Bank's lightning loan, automatic repayment and manual repayment.
1. Automatic repayment refers to binding a debit card of China Merchants Bank when applying for lightning loan from China Merchants Bank, and depositing sufficient repayment amount in the bank card. When automatic repayment is set, the bank system will automatically deduct money on the repayment date.
2. Manual repayment requires users to log in to China Merchants Bank official website or APP, find "My Loan", select "To be repaid today", enter the repayment amount, and click "Repay Now".
The above are two repayment methods of lightning loan of China Merchants Bank. It should be noted that while automatic repayment brings convenience, it will inevitably lead to repayment failure due to some problems. Therefore, even if automatic repayment is set, we should always pay attention to whether the repayment is successful or not, so as to avoid overdue repayment due to negligence.
Lightning loan is a credit loan product launched by China Merchants Bank. According to the official of China Merchants Bank, the annual interest rate of lightning loan of China Merchants Bank starts from 7.2%, and the interest is calculated on a daily basis, and the maximum loan amount can reach 300,000. In addition, users can apply for loans with personal provident fund, social security, tax payment and personal credit information. Mobile APP operation, direct lending, very convenient. In terms of types, it can be divided into three types: AUM loans, provident fund loans, and payroll loans.
Among them, AUM loan requires you to have a large number of wealth management assets in China Merchants Bank, and the reference of salary loan may be your bank flow. The reference of Beijing provident fund loan is the down payment of provident fund, which is currently about 5 102 yuan per month. However, no matter what kind of lightning loan, China Merchants Bank adopts the proud invitation system. Therefore, it is useless not to invite users to poke your application. Poke once, your credit is too wronged!
For this white list of invited users, the guy of China Merchants Bank explained that it is generally in units, and most of them are employees who interact with China Merchants Bank frequently, well and closely.
If you make up another knife, even if you receive an invitation, you may be refused a loan. The young man of China Merchants Bank explained the reason why the comprehensive score was not enough:
1. The capital flow of China Merchants Bank is insufficient. 2. There are more than two negative records in the credit investigation within two years. The applicant has four or more credit cards. There are too many kinds of loans, but the third one is very new. Consumer loans may not be good for users with too many credit cards.
How to match the principal and interest of lightning loan of China Merchants Bank
The lightning loan of China Merchants Bank can be repaid in several times, which is to pay interest first, then principal, or equal principal and interest.
Online loan applicant
2022-08-23 16:37: 18
With the increasing demand for loans, many banks have launched various loan products to apply for users. Among them, lightning loan is a loan product launched by China Merchants Bank. However, many people don't understand its repayment method. Let's take a look at whether the lightning loan of China Merchants Bank pays interest first, then repays the principal and interest, or equals the principal and interest.
The repayment method of lightning loan is related to the selected bank loan term and product. At present, the repayment method is equal principal and interest and monthly interest repayment. If your loan term is two years, the repayment method is equal principal and interest, and the repayment method for one year or less is monthly interest repayment. However, this repayment method is generally given automatically after the loan term is selected.
At present, the loan term of lightning loan is three months, six months, 12 months, 24 months, 36 months and 60 months. Different products have different regulations and matching repayment methods are also different. It is suggested that you can try all loan terms and then choose interest first. In addition, the lightning loan also automatically opened the repayment function for everyone. If prepayment is required, you can make 7*24-hour self-service repayment directly through the lightning loan function in the mobile banking module, and the loan interest rate is calculated on a daily basis without any penalty.
What are the repayment methods of lightning loan of China Merchants Bank?
1. Active repayment: China Merchants Bank lightning loan can be actively repaid in China Merchants Bank App. You can log in to China Merchants Bank App, then select mine, find my loan, select the loan details, and you can see the repayment amount of China Merchants Bank lightning loan, and then repay.
2. Automatic repayment: China Merchants Bank's lightning loan can also be repaid automatically. After applying for China Merchants Bank's lightning loan, you can directly bind a repayment bank card, and deposit enough repayment amount in the bank card every month on the repayment date, so you can automatically repay on the repayment date.
3. It should be noted that if automatic repayment is set, the borrower must deposit enough repayment amount into the repayment bank card before the repayment date, otherwise the automatic repayment will fail, which will lead to overdue repayment and even affect the credit investigation.