In my interface, select Audit Repayment. In the repayment review interface, bills that need to be repaid will appear. Pay attention to distinguish it from your own credit card bill. Select Easy Loan Account and choose Repayment. After entering the e-loan repayment interface, confirm the repayment amount of this period. After checking Agree, select Confirm Repayment to enter the final repayment interface. The payment account is your choice.

Early repayment means that the borrower applies to the bank to repay part of his loan in advance, and guarantees that the loan will be repaid in the current month without being overdue last month; Pay off all or part of the loan in one lump sum according to the date stipulated by the bank. Prepayment is generally divided into two ways: partial prepayment and full prepayment. According to the different repayment methods, the borrower can choose to reduce the term or amount. It is understood that at present, most banks can provide five ways to repay loans in advance for customers to choose from. First, all loans are repaid in advance, that is, customers pay off all remaining loans at one time. (No interest is required, but the interest paid is not refundable); Second, some loans are repaid in advance, and the remaining loans remain the same monthly repayment amount, thus shortening the repayment cycle. Third, repay part of the loan in advance, and keep the monthly repayment amount of the remaining loan unchanged. Fourth, repay some loans in advance, reduce the monthly repayment amount of the remaining loans and shorten the repayment cycle. Fifth, the remaining loans keep the total principal unchanged and only shorten the repayment period. (The monthly payment increases and the interest decreases, but it is relatively uneconomical. Financial experts suggest that the principal should be reduced as much as possible to shorten the loan period and pay less interest.

After confirmation, the lending institution will recalculate the loan balance and the final repayment period after repaying part of the loan in advance according to the calculation principle of "interest first, capital later, equal monthly decrease, and shortening the repayment period" in the interest repayment method determined in the original loan contract, reprint the "Monthly Statement of Capital Repayment" and re-sign the "Loan Modification Contract" with the borrower. The loan interest decreases as the principal decreases. So, how can we pay less interest? One way is to choose the average capital repayment method before the loan. Because the "average capital repayment method" repays a lot of principal in the early stage, when you repay it in advance, the loss of interest is small.

Can China Merchants Bank pay off the e-loan in one installment?

Yes, there are two ways of e-loan: repayment at any time and repayment by installments. 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 assessment based on the interest rate standard, it will be 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.

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. The repayment path is as follows:

After logging in to mobile banking, select "My → All → Credit Card → Cash Credit →E Loan → Instant Repayment".

After logging in, select Card. Finance →E-loan → quick repayment ".

Log in to the online banking popular edition or professional edition, and select "Credit card → installment financing →E-loan invitation →E-loan application → quick repayment".

Expand knowledge:

China Merchants Bank (1987) was established in Shekou, Shenzhen. It is the first joint-stock commercial bank in China that is wholly controlled by an enterprise as a legal person. It is also the fifth largest bank in China by market value and one of the "eight guarantees" for Chinese financial stocks in Hong Kong.

China Merchants Bank is headquartered in Futian District, Shenzhen. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. On September 8, 2006, China Merchants Bank started its public offering in Hong Kong, issuing about 2.2 billion H shares and raising HK$ 20 billion. It was listed on the Hong Kong Stock Exchange on September 22. The net capital exceeds 290 billion, and the total assets exceed 4.4 trillion.

By the first half of 20 17, China Merchants Bank had more than 1800 domestic and overseas branches, set up service outlets in more than 30 cities in Chinese mainland/kloc-0, and had 5 overseas branches and 3 overseas representative offices with more than 70,000 employees. In addition, China Merchants Bank also wholly owns CMB Financial Leasing Co., Ltd. and holds China Merchants Fund Management Co., Ltd., holding 50% equity of China Merchants Cigna Life Insurance Co., Ltd. and 50% equity of Zhaolian Consumer Finance Company; Wing Lung Bank Limited and CMB International Financial Holdings Limited are wholly-owned companies in Hong Kong.

The development goal of China Merchants Bank is to become a leading retail bank in China. 1In July, 1995, the one-card bank card was launched.1In September, 1999, Netcom, the first online bank in China, was launched, which became a widely used online payment tool for many enterprises and e-commerce websites, and promoted the development of e-commerce in China to some extent.

201April 2, 5 China merchants group co., ltd. plans major events. In order to ensure fair information disclosure, safeguard investors' interests and avoid abnormal fluctuations in the company's share price, the company's shares were suspended from trading on April 3, 20 15 upon the application of the company. ? In August of 20 16, China merchants bank ranked 39th in "Top 500 Chinese Enterprises in 20 16". ? 20 16 The list of the world's top 500 companies was officially released, and China Merchants Bank entered the list for five consecutive years, ranking 189.

China Merchants Bank Baidu Encyclopedia

How does China Merchants Bank E repay the loan in advance?

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, which 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.

Can I repay the loan in advance?

E-loan is a cash credit service provided by China Merchants Bank for eligible credit card holders. E there are two loan methods for general loan, one is installment repayment, and the other is repayment with borrowing, which can be settled in advance.

E there are three ways to settle the loan in advance:

1. Mobile Banking: After logging in to mobile banking, select My-All-Credit Card -e Loan-Instant Repayment;

2. Pocket Life: After logging in to Pocket Life, select Card Payment -e Loan-Quick Repayment;

3. Online banking: log in to the popular version or the professional version, and select Credit Card-installment financing -e-loan application-quick repayment after logging in.