It is understood that after receiving a loan, Home Credit’s system will automatically generate a date approximately five days before and after the applicant’s loan application date, and this date will be used as the repayment date. If the borrower does not choose to repay early, he should have enough balance to repay before the repayment date. If the borrower chooses to repay early, early repayment will incur certain fees, which are calculated based on a certain proportion of the remaining repayment amount. The minimum fee is not less than 200 yuan.
The repayment date refers to the installment date. After borrowing, the borrower's final repayment period is the installment period. Repayment after the repayment date will cause overdue payment and incur certain overdue fees.