One-time repayment of principal and interest

Average capital method

Repayment by installment (only interest will be repaid during the grace period, and the loan will be repaid by equal principal and interest repayment after the grace period).

Before the maturity date of the loan principal and interest, the borrower needs to deposit enough funds in the postal savings account where the loan is issued, and the computer system will automatically deduct it.

2. What is the repayment method of the small business loan of Postal Savings Bank?

(a) working capital loans for small enterprises can be repaid in the following ways:

1, equal principal and interest repayment method, that is, equal repayment of loan principal and interest every month within the loan term.

2. Pay interest on a monthly basis, that is, repay the loan interest on a monthly basis within the loan term, and repay the loan principal in one lump sum when the loan expires.

(2) Fixed assets loans for small enterprises can be repaid in the following ways:

1, equal principal and interest repayment method, that is, equal repayment of loan principal and interest every month within the loan term.

2. Repay the principal and interest in equal installments, that is, only the interest will be repaid during the grace period of the loan, and the principal and interest of the loan will be repaid in equal amount every month after the grace period, with the longest grace period not exceeding 6 months.

3. What are the repayment methods of postal savings loans?

At present, the repayment methods provided by China Postal Savings Bank are interest-bearing, equal principal and interest, and equal principal and interest in installments. (1) One-time repayment of loan principal and interest is only applicable to merchants whose loan term is less than 3 months (inclusive) or 4 (2) equal repayment of loan principal and interest; (3) Repayment method, that is, only the loan interest is repaid during the grace period of the loan, and after the grace period, the merchant is repaid according to the equal principal and interest, and the longest grace period of the loan is 4 months; For farmers with the minimum age of 10 month, all tier-one branches should reasonably determine the longest grace period of local loans according to the agricultural production cycle or situation.

4. What are the repayment methods of the Postal Savings Bank loan?

1. One-time repayment of principal and interest, that is, one-time repayment of loan principal and interest at maturity, is only applicable to merchants with a loan term of less than 3 months and farmers with a loan term of less than 4 months;

2. Equal principal and interest repayment method, that is, equal monthly repayment of loan principal and interest within the loan term;

3. Equal principal and interest repayment by installments, that is, only the loan interest is repaid during the grace period of the loan, and then the loan is repaid by equal principal and interest repayment after the grace period.

For merchants, the longest grace period for loans is 4 months; For farmers, the longest grace period for loans is 10 month, and provincial branches should reasonably determine the longest grace period for local loans according to the agricultural production cycle or situation.

Remarks: The above repayment methods vary from region to region. Please consult your local Postal Savings Bank for details.