If the credit card is overdue after the loan is issued, it will not affect the loan withdrawal, and the loan funds can be withdrawn at any time.

2. Is the repayment overdue on the repayment date?

Generally speaking, if loans overdue; However, if you only deposit the money that should be repaid into the repayment account on the repayment date of the loan, it may be overdue. On the repayment date, the repayment is usually made immediately, as long as it is ok.

The reward obtained from the borrower for loan interest is also the price that the borrower must pay for using the funds.

Bank loan interest rate refers to the ratio of interest amount to principal amount during the loan period. The interest rate of loan contracts with banks and other financial institutions as lenders can only be determined through consultation within the upper and lower interest rate limits stipulated by the People's Bank of China. The repayment amount of the loan beneficiary will increase, otherwise, the repayment amount, loan term and loan interest rate will decrease.

Loan interest rate and interest

The General Rules for Loans stipulates that:

(a) loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China, determine the interest rate of each loan, and specify it in the loan contract;

(II) Calculation and collection of loan interest: When the extension period stipulated by the People's Bank of China and the original period reach the new interest rate grade, it will be calculated and collected according to the new interest rate grade from the date of extension. Penalty interest is charged for overdue loans according to regulations.

(3) Loan discount: According to the national policy, in order to promote the economic development of some industries and regions, the relevant departments can independently approve the issuance of loans to the undertaking banks and strictly manage them according to the relevant provisions of the General Rules for Loans.

(4) Loan suspension, interest reduction and interest-free loans: Except as stipulated by the State Council, no unit or individual has the right to decide to stop lending, reduce interest and interest-free. The Lender shall, in accordance with the decision of the State Council, handle the matter according to the scope of responsibilities and authority.

Loan interest settlement

The loans of small farmers in rural commercial banks must be settled once before the end of the year. 65438+February 20th every year.

Except for small-scale farmers' loans, short-term loans (with a term of less than one year, including one year) bear interest according to the legal loan interest rate of the corresponding grade on the signing date of the loan contract. During the loan contract period, in case of interest rate adjustment, interest will not be calculated by installments.

Short-term loans are settled quarterly, and the 20th day of the last month of each quarter is the settlement date; If the interest is settled on a monthly basis, the 20th of each month is the interest settlement date. The specific interest settlement method is that the interest paid by both borrowers and borrowers on schedule will be compounded quarterly or monthly according to the loan contract interest rate, and the interest will be paid together with the principal when the default interest is paid off after loans overdue.

The interest rate of medium and long-term loans (with a term of more than one year) should be fixed at one year. The loan (including all the funds that should be allocated by installments within one year from the effective date of the loan contract) is determined according to the legal interest rate of the corresponding grade on the effective date of the loan one year later (subject to the payment date of the first installment loan), and then the interest rate of the next year is determined according to the legal interest rate of the corresponding grade at that time.

Medium and long-term loans are settled quarterly, and the 20th of the last month of each quarter is the settlement date. During the loan period, compound interest is calculated quarterly, and the loan compound interest.

3. The rural commercial bank has a term of 30,000 yuan for five years, the principal has not been returned, and the credit card is overdue?

The grace period for overdue credit cards of rural commercial banks is 3 days, and the grace period for credit card repayment is automatically extended. Generally, no application is required. If you are not sure, you can call the service hotline on the credit card for manual service for consultation.

In 20 13, China Banking Association published the revised "China Bank Card Industry Self-discipline Convention", requiring banks to provide cardholders with "time-tolerant service", that is, banks provide cardholders with a certain period of grace period for repayment.

Although credit cards have a three-day grace period for repayment, special attention should be paid to the repayment time. I suggest you return it before 5 o'clock on the last day, and transfer it to our bank through our bank. Because the bank has time to receive the account calculated by the bank, it is safer not to return it across banks.

I borrowed 30,000 yuan from the rural credit cooperative, and it's due, but I haven't paid it yet. Ask if it's expired. ...

I am a loan officer of a rural credit cooperative. If you have equity in the credit, the interest rate can be reduced by 65,438+00%. At present, the one-year benchmark is 4.425‰, allowing the interest rate of credit cooperatives to rise by 0-60%. (The interest rate of non-farmer members is 6. 195‰, and that of farmer members is 6.05433 ‰.

Principal x days x monthly interest rate /30= interest