Can we repay the loan in advance in 2018
4hw.com.cn: borrowing is a loan service provided by ant financial services. Many people ask, is it a loss to borrow money in advance of repayment? What will happen if ant borrows and repays in advance? Let's have a brief talk on this issue today.
1、 Can ants borrow money in advance
sure. Jiebei is a key product of ant financial services. Its main advantage lies in the convenience of repayment and repayment with borrowing;
If you have capital surplus on hand, you can pay in advance;
There are many ways to repay the loan, the simplest is through Alipay APP and WeChat official account.
It can not only pay in full in advance, but also support partial repayment and repayment on the same day of maturity;
In a word, you can repay the loan in advance. Just remember that you can't pay it back beyond the repayment date.
2、 Loan repayment ahead of time
I'm surprised at this question. Why are so many borrowers asking whether it's cost-effective to borrow and repay in advance?
Logically speaking, of course, there is no loss;
Because the interest of borrowing is calculated by day, and if one day more, the interest will be calculated one more day;
If the money on hand does not need to be used for the time being, the repayment can be made in advance;
However, it is understood that the current situation, it is best not to prepay.
There are several reasons
1, there is no shortage of funds. If you often pay in advance, Alipay may think you are not short of money, then the next adjustment may be reduced or even reduced to zero.
2. Recently, there is black technology on the Internet recently. It says that you can quickly brush the score by borrowing money. For example, prepayment after borrowing can not only reduce the interest, but also improve the sesame score quickly. Therefore, it is recommended not to pay too often in advance to avoid the suspicion of brush points;
3. In today's society, it is very difficult to borrow money. The interest rate of the bank is low, but the threshold is high and the money is slow. Borrowing is considered to be a conscience in the industry. So if you have a quota, please cherish it. The money can be used for investment, financial management or other purposes. It is convenient to do anything with money.