How much does it cost to repay a CCB credit card installment loan of RMB 150,000 per month for three years?

4766.66 yuan.

Applied for an installment pass of RMB 150,000 in 36 installments,

The principal of each installment = 150,000/36 = 4166.66 yuan

The handling fee for each installment = 1500000.4%=600

The repayment amount for each installment = 4166.66600 = 4766.66 yuan

If it is other types of installments, such as car purchase installments, housing installments, etc., then it must be based on Based on your car model or the rates of designated merchants, it is recommended that you consult the merchant or local bank branch.

How much money can be saved by taking a loan of RMB 150,000 from China Construction Bank with 10-year installments and a monthly payment of RMB 1,599 and repaying the loan two years in advance

About RMB 20,000

The remaining loan Principal × [number of days (early repayment date - last deduction date)] × daily interest rate (daily interest rate = annual interest rate ÷ 360). Partial early repayment,

Full early repayment refers to the one-time settlement of the principal and interest of the mortgage loan. After all the repayments are made in advance, the interest will be calculated until the day the principal and interest are repaid to the bank. In other words, the interest will be calculated as long as you borrow the money from the bank. So, this situation actually reduces the amount of interest that would have been paid back.

How to calculate the monthly interest for the CCB Installment Pass of 150,000 points in 60 installments? It's actually very simple!

Many cardholders do not have enough credit card limits, so they can apply for special installment products from banks, such as CCB Installment Pass, which can meet the consumption needs of high-quality customers in weddings, childcare and other consumption areas. However, installment passes are also charged, and the fee depends on the amount and number of installments. So, how to calculate the monthly interest for CCB Installment Pass of 150,000 points in 60 installments?

How to calculate the monthly interest for the CCB Installment Pass of 150,000 points in 60 installments?

In fact, CCB Installment Pass is a large-amount special installment quota based on a credit card. It is also a type of credit card installment business, but the quota and the credit card limit exist independently and do not affect each other. Credit card installments do not require interest, that is, they are interest-free but not free. After application, you must pay a certain handling fee every month, and the rate is related to the number of installments.

CCB Installment Pass has several installment options: 6, 12, 18, 24, 36, 48, and 60. No matter which installment is selected, the monthly handling fee is the actual rate. The page displayed at the time of application shall prevail. The formula for calculating the handling fee for each period after the cardholder applies for installment payment is: the amount of handling fee payable in each period = the actual installment amount × monthly handling rate calculation.

For example: Assume that China Construction Bank pays 150,000 points in 60 installments, then the principal repayment and handling fee in each installment are as follows

1. The principal repayment in each installment: Installment Pass The principal is 150,000 yuan, divided into 60 installments, and the principal of each installment is 150,000/60 = 2,500 yuan;

2. Repayment fee for each installment: The principal of the installment payment is 150,000 yuan, and the procedure for each installment is The monthly repayment fee is 150,000 yuan.

It should be reminded that no matter how many installments have been repaid, the CCB Installment Pass handling fee is calculated based on the principal of 150,000 yuan. Even if it is the last installment, you still have to repay 750 yuan. The handling fee, calculated in this way, the handling fee for the installment pass is still quite high, and after application, you need to use the installment pass card to swipe it out. Even if you don't use it, you still have to repay it.

The above is the relevant introduction to "How to calculate monthly interest for CCB Installment Pass 150,000 points in 60 installments". It is recommended that you decide whether to use the installment pass based on your own needs. Don’t regret it and it cannot be canceled when the application is successful. Although you can repay the loan in advance, you will have to pay liquidated damages.

I borrowed a sum of 150,000 yuan from China Construction Bank and repaid it in three years. If I repay the loan for one month, I still need to pay it back in advance

I took a loan from China Construction Bank and paid 150,000 yuan in three years. If you repay the loan in three years, you will need to repay it one month in advance.

The process of repaying the loan in advance:

According to the bank's regulations, customers who repay the loan in advance need to arrive one week in advance. Submit a written application within one month and agree on the repayment date;

Then according to the agreed date, bring your ID card and the loan contract signed with the bank to the bank to fill out the loan repayment application form and early loan repayment agreement, and press According to the bank's requirements, the amount that needs to be repaid is deposited into the account that withholds the principal and interest of the loan;

The bank will automatically withhold the amount;

Each bank has no number of times for early repayment of the loan. Restrictions, the loan can be paid off in full or in part.

Loans who partially repay their loans early can choose two methods:

Reduce the monthly repayment amount and keep the repayment period unchanged;

Shorten the repayment period The monthly repayment amount remains unchanged during the loan period;

Once the "Early Repayment Application Form" is confirmed by the borrower's bank, it is irrevocable and serves as a supplementary clause in the loan contract and has the same legal effect as the loan contract. .

I borrowed 250,000 yuan from China Construction Bank and paid it back in 2 years. The term is 15 years. I have to repay the loan of RMB 150,000 in advance. How can I change the term to the appropriate one?

Hello, I also have a CCB provident fund loan of RMB 150,000 for 15 years, and I have just partially repaid RMB 50,000. I would like to remind you that if you repay the loan early, it is not up to you to decide whether to shorten the term.

I got a loan of 250,000 from China Construction Bank with a term of 15 years. I have been repaying the loan for 2 years and want to repay the loan of 150,000 yuan in advance. How can I change the term to suit?

You can consult the bank for details

Procedures for early repayment of the loan:

According to the bank's regulations, customers who want to repay their loans early must submit a written application one week to one month in advance and agree on a repayment date;

Then according to the agreed date, bring your ID card and the loan contract signed with the bank to the The bank fills out the loan repayment application form and early loan repayment agreement, and according to the bank's requirements, deposits the amount required for loan repayment into the account where you withhold the principal and interest of the loan;

The bank will automatically deduct it;

Each bank has no limit on the number of early loan repayments. You can repay the loan in full at once or in part.

Loans who partially repay their loans early can choose two methods:

Reduce the monthly repayment amount and keep the repayment period unchanged;

Shorten the repayment period The monthly repayment amount remains unchanged during the loan period; the "Early Repayment Application Form" is irrevocable once confirmed by the borrower's bank, and serves as a supplementary clause in the loan contract and has the same legal effect as the loan contract.

I have a loan of 150,000 yuan for 20 years. I have paid it off for three years. It is 1,300 yuan a month. If I want to repay it early, how much more do I need to pay back?

I think it’s better not to pay it back early, because In the first three years, you basically paid interest, and the principal was not repaid at all. If you calculate 130012-*** a year, 156003-***46800, the 46800 may only be 10,000 or even less as principal, so If you want to repay it in advance, the principal will still be around 140,000 yuan

Is it cost-effective to repay the loan in advance? I took out a loan of more than 200,000 yuan from Construction for 15 years, and the monthly repayment was 2,000 yuan, in October 2010 loan. It's not cost-effective to pay it back in advance now

1. Calculated based on a loan of RMB 200,000 and a loan interest rate of 6.14% in October 2010:

As of August 2016, the loan has been repaid for 70 months.

The remaining principal is approximately 142,000 yuan. (Interest rate adjustment is not considered)

2. There are 110 months of repayment left, and the remaining interest is 35,000 yuan.

3. If you deposit 142,000 yuan in a bank to buy financial products, even if the interest rate is 3%, the total interest in 9 years will be 43,000 yuan.

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I borrowed 200,000 yuan from China Construction Bank and repaid it in 20 years. I have been paying it back for three years now. If I repay 120,000 yuan in advance at once, I will need to pay it back every month.

Open it first In your loan contract, the issue of early repayment should be mentioned in the contract.

Early repayment of China Construction Bank mortgage loan

You owed a bank loan of 121,430 yuan in December 2009 and repaid 39,192.16 yuan in advance. Then you still owe 82,237.84 yuan. You only need to subtract 12 The principal that needs to be repaid from January to March is enough, which is about 300 yuan/month for 4 months. Then you can prepare more than 81,000 yuan, and you will also have to pay an additional 0.1% penalty for early repayment. This calculation does not include the amount you would normally repay during these four months.

Prepayment of a loan only returns the principal owed to the bank, because there will be no interest when the principal is settled.

What should I do if I take a loan from China Construction Bank and want to withdraw it before it expires

If the debtor renews the loan, it means that the creditor-debt relationship ends and the guarantee liability is cancelled. After the loan is renewed, whether the guarantor continues to provide guarantee should refer to its own wishes, and you can choose not to continue to provide guarantee.

I took out a loan of RMB 65,000 with equal principal and interest for 15 years, and I have paid it back for 8 years. How much more money do I need if I want to repay the loan early?

Ask the bank, how much principal is left unpaid? The money you need to prepare is this principal plus one month’s interest on this principal!

I took out a loan of RMB 200,000 from China Construction Bank in 2015 and paid it back in 11 months. I want to repay the loan RMB 10 in advance. Is it a default on the payment?

The requirements of each branch of this bank are different. The loan contract you signed with the bank should have a clause indicating how long it will take to repay the loan in advance. You can check the loan contract at hand. If there is not or cannot be found If so, just call the customer service of the loan bank and ask...

How much does it cost to repay a CCB loan of 150,000 yuan in 36 installments in one month

4766.66 yuan.

According to the inquiry on the official website of China Construction Bank, as of December 12, 2022, I applied for an installment pass of 150,000 yuan in 36 installments at China Construction Bank. The principal of each installment is 150,000 divided by 36, which equals 4,166.66 yuan per installment. =150000 multiplied by 0.4%=600, each installment should be repaid 4766.66.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned.