System and method for implementing minimum and maximum amount repayment of individual loan

Abstract

The invention provides a system and a method for realizing personal loan minimum and maximum amount repayment. A client can determine the minimum amount and the maximum amount of the loan repayment account according to the receipts and expenditures of the client; if the balance of the repayment account is lower than the minimum amount, the balance of the repayment account is taken as the repayment amount and the rest amount shifts in overdue; however, the amount shifting in overdue is counted as the minimum amount deducting the actual repayment amount instead of as the due repayment amount deducting the actual repayment amount; if the balance of the repayment account is greater than or equal to the minimum amount and smaller than or equal to the maximum amount, the balance of the repayment account is taken as the repayment amount and the rest amount does not shift in overdue even if the repayment amount is less than the due repayment amount, and the part exceeding the due repayment amount is treated as advance payment; if the balance of the repayment account is greater than the minimum amount, the maximum amount is taken as the repayment amount, and the part exceeding the due repayment amount is treated as advance payment.

Description

technical field [0001] The invention relates to a bank payment and settlement system and its method, in particular to a system and its processing method for realizing the minimum and maximum repayment of personal loans. Background technique [0002] With the improvement of people's living and consumption levels, more and more people take out loans to buy houses and cars, and personal loans have gradually become a financial product that people are very familiar with. [0003] In recent years, with the rapid growth of credit and the frequent interest rate hikes by the central bank, the pressure on lenders to repay is increasing. Some lenders want to repay the loan according to the repayment amount before the interest rate hike, or repay part of the amount less to avoid the impact Normal family expenses, but the current repayment amount of the bank will increase with the increase of the interest rate, which cannot meet the needs of customers; some lenders have begun to consider...

AI Technical Summary

Problems solved by technology

[0007] The invention provides a flexible repayment system and method, which solves the problem that the personal loan system cannot meet the flexible and diverse repayment needs of lenders

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