E loan can be repaid in advance. Users can find e-loans in China Merchants Bank App and personal loans, and then click Repayment to repay. However, when repaying in advance, it is necessary to pay off all installment fees and outstanding principal in one lump sum, without any reduction or exemption. If you choose to borrow and pay now, you can repay at any time, and there is no other cost.

E. The ways to repay the loan in advance are as follows:

1. Apply for prepayment in the personal account of China Merchants Bank's online banking, and select the "Repayment" option in the personal account after logging into your own account.

2. Download the mobile app of China Merchants Bank for e-loan prepayment. After logging into your account, click the "Review Repayment" button in the personal center, and then make prepayment in this interface.

3. Call the customer service telephone number of China Merchants Bank at 95555 to apply for prepayment, and follow the instructions of telephone manual customer service.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

App version: 8.0. 16

E-loan is a cash loan product provided by China Merchants Bank. It is a short-term cash credit business for eligible credit card holders, and bears interest on a daily basis. After the application is successful, the money will be transferred to the valid one-card account opened by the cardholder in China Merchants Bank or the debit card of other banks supported by China Merchants Bank (the account opening certificate must be the same as the bank's credit card).

This money can not be used for investment, such as house purchase, stock and futures investment, but can only be used for consumption, such as decoration, home appliances, wedding, car purchase, student aid, tourism and medical care.

"e-loan" has an independent bill, and the date of the bill is the same as that of the personal credit card. The interest generated in each billing cycle will be summarized into the "Cyclic Interest" of the current bill. Repayment needs to be made to the "e-loan" account separately.

The timely repayment of e-loan of China Merchants Bank has increased the fixed amount, and its use characteristics are as follows:

1, lightning loan: no materials, no mortgage, online application, the fastest 30 seconds to complete the application; ?

2. Exclusive limit: independent e-loan account, exclusive cash limit, up to 30W, separate bookkeeping and separate repayment;

3. For the first assessment, the PBC interface will be called (which means that the credit report will be checked). If the evaluation is successful, an account will be added and the loan will be credited to a debit card at one time (supporting multiple banks); ?

4. Daily interest calculation: the daily interest rate is 0.05% (0.04% during the promotion period), and the e loan can be paid off at any time, without affecting the personal account;

5. Flexible repayment: only the minimum monthly repayment is required, and the minimum repayment is calculated according to 10% of the total debt on the billing date. Pocket Life Application Process: Log in to Pocket Life App and select Card. Pay "→e to apply for a loan, and the system will give the audit results in real time.

How to repay the e-loan of China Merchants Bank?

E-loan repayment method of China Merchants Bank:

Operating environment:

Brand model: iPhone 13

System version: iOS 15.3. 1

App version: v 10. 1.0

1. Users can download the mobile banking APP of China Merchants Bank on their mobile phones.

2. After logging into China Merchants Bank account, select Credit Card-Repayment Management-Automatic Repayment Settings.

Third, then choose your e-loan account.

Terms and conditions of invitation for e-loan of China Merchants Bank's credit card:

1."e-loan" is a cash credit business provided by our credit card center for eligible cardholders. Cardholders can choose the repayment method of "repayment at any time" or "repayment by installments" when applying for "e-loan": if cardholders choose to repay at any time when applying for "e-loan", they will not enjoy the interest-free repayment period after the successful application, and will bear interest on a daily basis from the trading day, and will not charge additional fees; If the cardholder chooses "installment repayment" when applying for "e-loan", after the application is successful, he needs to pay a certain fee in installments and enjoy an interest-free repayment period. The repayment amount of each installment and the cardholder's current expenses will be included in the current credit card bill.

2. This business is limited to the application of the bank's personal credit card master cardholder. Only holders of student cards, platinum installment cards, business cards, official cards, purchasing cards or supplementary cards can't handle them temporarily.

3. Cardholders can handle the "e-loan" business through self-service channels such as mobile banking, online banking popular edition, online banking professional edition, pocket life and credit card customer service hotline (including sales hotline).

Four. The cardholder's application for e-loan business is deemed to agree and authorize the credit card center of the Bank to know and inquire about the cardholder's assets, credit status and personal credit information from the legally established credit information institutions such as the basic database of financial credit information of the People's Bank of China and other relevant legal institutions in the process of reviewing its application for e-loan business or conducting subsequent risk management, and keep relevant information. The cardholder hereby agrees and authorizes the Credit Card Center of the Bank to collect, process, transmit and apply the cardholder's personal data. The cardholder agrees and authorizes the bank to submit his personal credit information (including bad information) to the basic database of financial credit information of the People's Bank of China. The cardholder knows and understands the terms of this authorization, and confirms that the bank has explained the terms accordingly at his request. Banks are responsible for keeping confidential the personal information of cardholders collected and used according to law.

5. After the cardholder successfully applies for "e-loan" for the first time, an "e-loan" account will be generated and an "e-loan" electronic card will be issued at the same time. This card is only used for repayment, other transactions and card-related operations are not allowed, and self-service channel inquiry is not supported for the time being.

6. If the payment account provided by the cardholder is a Netcom account (Class II), a Netcom account (Class III) or a smart card (Class II), the cardholder agrees that the bank will bind the debit card account with the cardholder's credit card account. After binding, the account balance limit of the debit card account and the transfer-in and transfer-out limit of funds between the debit card account and the bound credit card account shall be implemented in accordance with relevant laws and regulations and relevant regulations of the People's Bank of China.

How to calculate the interest of early repayment of e-loan in China Merchants Bank?

China Merchants Bank's e-loan prepayment only charges installment fees, and does not charge interest. There are two repayment methods for e-loan of China Merchants Bank, namely repayment at any time and repayment by installments. If you choose to repay at any time, you will not enjoy the interest-free period and there is no handling fee. Interest is calculated on a daily basis, with the highest daily interest rate of 0.05%, which can be repaid at any time without any handling fee. If you choose to repay by installment, you don't need to pay interest, and the handling fee is charged monthly. The handling fee rate is subject to the system measurement.

Total handling fee for prepayment of e-loan of China Merchants Bank = total installment amount × handling fee rate. There is no charge and interest for early repayment, but the installment fee has been included in the credit card bill at the time of installment, and the installment fee is not refunded for early repayment.

Extended data:

How does China Merchants Bank repay the loan in advance?

1 Repay through China Merchants Bank Pocket Life APP, select "Card Finance" on the page, and then select e-loan account for repayment.

2 China Merchants Bank mobile banking prepays, select "My"-"Review Repayment", and then click Repayment in E Loan.

Official website of China Merchants Bank needs to log on to the credit card page of China Merchants Bank, then select Account Management-Account Inquiry, and finally click the "Quick Repayment" button to make repayment according to the prompts on the page.

How to repay the e-loan of China Merchants Bank? Introduction!

In China, in addition to state-owned commercial banks, joint-stock banks are also very popular with the people. Many friends have applied for China Merchants Bank's credit card and applied for China Merchants Bank's e-loan through the credit card. However, some friends are at a loss when they pay back the money. Let's help you solve this problem today.

There are two repayment methods for China Merchants Bank's e-loan, one is to repay with the loan, and the other is to repay by installments. The specific repayment methods of these two methods are different:

Borrow and return.

Choose friends who borrow first and then pay back, and pay back when you have spare money. In addition, after the monthly bill is generated, you can repay more than 10% of the bill amount without affecting your credit history.

instalment repayment

Friends who choose to repay by installments can make financial repayment according to the monthly bill. In addition, installment repayment also supports everyone to pay off the loan in advance.

The repayment steps of China Merchants Bank E are as follows:

1. After entering the "Pocket Life" APP, everyone needs to log in to their credit card account first;

2. On the "My" page, you can find the "Audit Repayment" entrance;

3. Click to enter, and you can find the e-loan bill of China Merchants Bank at the bottom of the credit card bill (China Merchants Bank e-loan has a separate electronic account);

4. Click "Repay Now" and everyone can complete the repayment online.

Matters needing attention in e-loan repayment of China Merchants Bank:

1, the overdue e-loan of China Merchants Bank is likely to affect everyone's personal credit information, remember to repay on time;

2. The generation date of e-loan bill of China Merchants Bank is the same as the credit card billing date, and the repayment date is also the same day;

3. Credit card arrears and e-loan arrears of China Merchants Bank need to be paid off twice.

How to repay China Merchants Bank's credit card e-loan?

The Credit Card Center of China Merchants Bank provides cash credit business named e-loan for eligible cardholders. One of the characteristics of this business is freedom of repayment. You can choose either "repayment at any time" or "repayment by installments". Please read below for details.

The so-called e-loan is actually a credit card loan. This kind of loan does not need an appointment, nor does it need a pledge guarantee. As long as you have a China Merchants Bank credit card, you can get funds by transfer, up to 300,000 yuan.

However, this kind of loan is not borrowed for free, and it needs to be repaid on time to avoid bad credit. There are two ways to repay the loan at any time and by installments, and different repayment methods are different, as follows:

1. Repayment at any time: this repayment method does not need to pay the handling fee, but if interest is charged, it will be calculated on a daily basis from the trading day. As for the expected annualized interest rate standard, it is evaluated by the system and compounded monthly.

2. installment repayment: this repayment method can enjoy interest-free period, but it requires a handling fee. The fee standard of each period is evaluated by the system in real time, and the installment principal and fee are included in the next bill.

So, how to repay the e-loan?

The repayment method of e-loan is different from that of China Merchants Bank Credit Card, because it is charged separately, so the repayment must be made with the designated e-loan account.

In other words, e-borrowing and e-returning can be carried out through online banking, mobile banking and pocket life. If you use Pocket Life for repayment, just log in to Pocket Life Edition-My-Review-Repayment -e Loan Account-Repayment.

How to repay the loan of China Merchants Bank E

First, enter the China Merchants Bank App, select the account overview on the home page, and then find the e-loan account of China Merchants Bank in the account overview. Click on the e-loan account of China Merchants Bank to enter, and you can see the remaining amount and the amount to be repaid of China Merchants Bank e-loan. Then, choose prepayment, enter the amount of full repayment, and you can repay all at once.

It should be noted that the prepayment of e-loan of China Merchants Bank cannot reduce the handling fee. After the e-loan installment prepayment application is approved, the unpaid installment payment and the remaining unpaid handling fee must be paid in one lump sum, and the collected installment handling fee will not be refunded.

"E-loan" is a short-term cash credit business with daily interest for eligible cardholders provided by China Merchants Bank.

After the application is successful, the approved funds will be transferred to the debit card in the cardholder's own name. "e-loan" has an independent bill, and the date of the bill is the same as that of the personal card. The interest generated in each billing cycle will be summarized and included in the "circulating interest" of the current bill. Repayment needs to be made to the "e-loan" account separately. At present, the repayment channels supported are: pocket life, mobile banking and online banking.

China Merchants E-Loan is a credit loan product, which does not need guarantee and mortgage. Online application is subject to online review. After the user has passed the audit, the lending speed of e-lease loan is relatively fast. When applying for this product, you need to check the credit report of China People's Bank. If the user has poor credit, then you can't apply for this product. This product bears interest on a daily basis, allowing users to repay flexibly.

Of course, China Merchants e-loan also supports users to repay by installments and the minimum repayment amount, and users can choose the repayment method at will.

E-loan is an online loan product. E-loan invitation is a credit card exclusive large cash installment business, and its application premise is that the user must have a credit card. But in essence, if you apply for e-loan, the loan amount will be credited to the user's bank card, and the money in the bank card can be withdrawn, which is the same as the cash loan in online loan products.

It's just that e-loan is in the form of credit card, not loan record, which is different from ordinary online loan.

So much for the introduction of how to repay the e-loan of China Merchants Credit Card.