Well, that depends on what is stipulated in the loan contract you signed with the bank.

Two, Xinyu rural commercial bank loan interest after three years, one year to repay the principal.

No bank has your repayment method. It only takes three years to repay the interest first and then the principal, but it takes a one-year cycle, that is, you must repay the principal once a year and then continue to borrow it, or repay it in equal installments for three years, or repay the principal first and then the interest. The bank can't let you choose a three-year one-year method without this option.

Third, why pay interest first and then pay the principal once a year?

Interest before capital is to pay interest first, and then repay the principal when the loan expires. As the loan contract stipulates to pay interest first, the principal must be repaid at maturity. At present, bank loans are usually one-year loans, which can pay interest first and then the principal. For loans with a term of more than three years, the repayment method is equal principal and interest or equal principal.

If you want to extend the loan for one year, you should pay back the principal and interest, settle the loan first, and then apply for loan approval again to enter the second cycle.

4. Excuse me, some lending institutions say that they can repay interest first, then the principal, and the principal in the last month after one year.

That's what our company does. This is called paying interest on a monthly basis