1. Personal current savings deposit: the interest settlement date of RMB current savings deposit is June 30th every year, and the interest settlement date of current savings deposit is June 20th every year.

2. Personal time savings deposit: This time savings deposit is paid off with the principal, that is, the withdrawal date of the deposit is the interest settlement date. 3. Demand deposits of enterprises and institutions: the interest settlement date is the 20th day at the end of each quarter, that is, March 20th, June 20th, September 20th and 65438+February 20th of each year. 4. Time deposits of enterprises and institutions: (personal time savings deposits) 5. Personal consumption loan: (1) Monthly repayment includes interest, so it can be regarded as the interest settlement date of the loan. (2) If repayment is made annually, the repayment date of each year shall be the interest settlement date. (3) If the interest is paid off with the principal, the maturity date of the loan principal is the interest settlement date. 6. Loans for enterprises and institutions: There are two situations: (1) If interest is calculated quarterly, the interest settlement date is 20th of the last month of each quarter, namely 20th of March, 20th of June, 20th of September and 20th of 65438+20th of February. (2) If interest is calculated on a monthly basis, the interest settlement date is 20th of each month.

Second, the difference between the loan interest settlement date and repayment date

Interest settlement means the actual payment of interest. Commercial banks do not pay or charge interest on deposits or loans every day, but charge interest.

The current savings deposits of urban and rural residents shall be settled quarterly, and the interest on the 20th day at the end of each quarter shall be incorporated into the principal, and the interest shall not exceed RMB.

If the account is not settled on the interest settlement date, it shall be calculated according to the interest settlement rate until the day before the account settlement.

The repayment date, such as the mortgage you applied for on July 3, is the repayment date on August 3 next month, which is the date of repayment in plain English.

Loan (electricity) is generally understood as borrowing money with interest.

Loan is a kind of credit activity carried out by banks or other financial institutions at a certain interest rate. The general name of loan funds in a broad sense.

Banks put concentrated money and monetary funds out in the form of loans, which can meet the social demand for supplementary funds for expanding reproduction, promote economic development, and increase the bank's own accumulation through lending interest income.

"Three Principles" refers to the basic principles of safety, liquidity and efficiency. Commercial banks take safety, liquidity and efficiency as their operating principles, and are actually self-financing and self-disciplined. "

1, loan security is the primary problem faced by commercial banks;

2. Need to be able to recover the loan or realize it quickly without loss;

3. Efficiency is the basis of sustainable operation of banks.

For example, long-term loans, with higher interest rates than short-term loans, have good returns, increased risks, reduced security and weakened liquidity. So the problem between "three natures".

Repayment method:

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. This method has been used in the housing reserve of commercial personal housing loans. So the monthly repayment amount is the same;

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

3. Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis.

4. Repay part of the loan in advance: that is, the loan can repay part of the loan amount in advance, and the general amount is an integer multiple of 65,438+00,000 or 65,438+00,000. After repayment, the loan bank will write down the repayment amount, but the repayment method remains unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay all loans in advance: that is, the borrower applies to the bank for a loan amount, repays the loan and goes through the corresponding cancellation procedures.

6. Borrow and pay back: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

Three. Loan interest settlement date and repayment date

The loan interest settlement date refers to the date when the loan interest is settled within a certain period from the loan issuance date.

Repayment date refers to the date when the principal and interest of the loan are paid off within a certain period from the date of loan issuance.

4. When will the student loan interest be repaid?

You have a student loan, which is in the loan contract. Like me, I am a student of Grade 08. I am a junior this year. I haven't graduated yet, but I am already practicing. The repayment time of the loan I applied for today is 20 13.