How many kinds of bank repayment methods are there?

1. Credit card repayment methods mainly include issuing bank counter, ATM, online banking, automatic transfer, telephone banking, etc. Interest-free repayment period The interest-free repayment period is from the bank bookkeeping date to the due repayment date. In the meantime, you don't have to pay any interest as long as you pay off all the amount payable in the current statement.

2. Loan repayment methods include matching principal and interest repayment method, average principal repayment method, lagging matching principal and interest repayment method, lagging average principal repayment method and one-time principal and interest repayment method.

3. The common repayment methods of personal loans mainly include equal principal repayment, equal principal and interest repayment, equal increase (decrease) repayment, and repayment of principal and interest on schedule.

4. The repayment methods of national student loans mainly include due repayment and early repayment.

Extended data:

1. Calculation formula of equal principal repayment:

Monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.

2. Calculation method of equal principal and interest repayment:

[loan principal × monthly interest rate ×( 1+ monthly interest rate) repayment months ]=[( 1+ monthly interest rate) repayment months-1]

References:

Repayment method-China People's Bank