The profit and loss of the extension is determined by the price difference between contracts. Basis directly reflects the extension effect or the gain and loss of extension.
Loan extension refers to the procedure of extending the repayment time after approval when the loan cannot be repaid at maturity. It is a credit principle that enterprises must abide by, and it is also a prerequisite for banks to speed up the turnover of credit funds.
If the enterprise fails to repay the loan on schedule due to special circumstances, it shall apply and explain the situation. After the approval of the bank, the repayment time can be extended, but the repayment procedures need to be handled again, otherwise it will be treated as overdue loans.
Customers who can't repay the loan on time should apply to the bank for loan extension before the loan expires. When applying for the extension of secured loan, it shall also issue a written certificate that the loan guarantor agrees to extend the loan and continue to guarantee it.
The borrower has temporary cash flow difficulties during the loan period, which leads to the failure to repay the loan principal on schedule and meets the conditions stipulated in the extension period. Under normal circumstances, the borrower applies to the loan bank for extension 30 working days in advance.
The loan extension shall not be lower than the original loan conditions: the short-term loan extension shall not exceed the original loan term; The extension of medium-term loans shall not exceed half of the original loan term; The longest extension of long-term loans shall not exceed 3 years.
The loan extension period shall not be lower than the original loan conditions.
The extension of short-term loans shall not exceed the original loan term;
The extension of medium-term loans shall not exceed half of the original loan term;
The longest extension of long-term loans shall not exceed 3 years.
If the customer fails to apply for extension or the extension application is not approved, the loan will be transferred to the overdue loan account from the day after the maturity date.
ICBC's postponement refers to postponing the scheduled date or deadline. ICBC Puka's balance change reminder service has a certain free trial period. Charge after expiration, and charge 2 yuan service fee every month.
The information sent to you by the bank is that your account balance is less than two yuan, which is not enough to pay the renewal fee. If you want to continue to use the balance change reminder service, you must deposit money into your account again. If you don't want this service, go to the counter or online banking to cancel this service, so you don't have to pay the service fee of 2 yuan every month.