With the development of the Internet, Internet lending has become a very convenient form of lending. Many have opted for Internet lending when they are in dire need of funding, addressing immediate needs. However, at the end of the lending cycle, many people were caught up in repayments. At this point, many would consider going to the bank and paying off the Internet at once. But should that be the way? This paper will be analysed and evaluated from multiple perspectives。

Want to go to the bank and pay off the net

On the one hand, bank loans to pay off network loans can be effective in reducing repayment pressures. Given the relatively low interest rate on bank loans and the longer repayment cycle, the choice of bank loans can reduce the repayment burden. This approach can reduce monthly contributions and relieve repayment pressure, especially for those with high loan pressure。

On the other hand, whether or not a bank loan should be repaid depends on the financial position of the individual. If individuals have a stable source of income and are able to repay on time during the loan period, a combination of lending may be a good option. However, if an individual ' s financial situation is not stable, applying for bank loans may increase the personal debt risk. In addition, bank loans need to be accompanied by guarantees, and if an individual is unable to provide a guarantee, then an application may face difficulties。

There may also be interest rates differences between bank loans and Internet loans. Although the interest rate on bank loans is relatively low, banks treat repayments more strictly in the case of overdue payments. The web-based lending platform, on the other hand, may result in higher delays and interest rates for late repayments. Therefore, a balance should be struck between interest rates and repayment periods, as well as the individual ' s repayment capacity and credit position, in order to consider the choice of a loan to repay the net。

In the light of the above, the choice of whether or not to pay off a bank loan on the Internet should take into account a combination of factors such as individual financial position, repayment pressure, interest rate differences, etc. Individuals should be careful to choose the appropriate way to pay off the net, taking into account their own circumstances。