The handling fee rate of China Merchants Bank's credit card consumption 12 period is 0.72%.
Monthly payment: the handling fee is 4000x0.72% 400012 = 26.4333.33 = 362.13 yuan.
There is generally a three-day grace period after credit card repayment, and repayment within the grace period is regarded as timely repayment;
If paid off in full, there will be no cost;
The minimum repayment amount shall be calculated at 0.05% of the daily interest;
Overdue: if the repayment exceeds the grace period or the repayment amount is lower than the minimum repayment amount stipulated by the bank, it will be regarded as overdue, and the daily interest will be 0.05%, and the interest will be calculated from the bookkeeping date. In addition, a late fee of 5% of the unpaid minimum repayment amount will be charged on a monthly basis.
Credit card bill installment of China Merchants Bank:
Handling fee per installment = total installment amount × handling fee rate per installment. The total installment principal is amortized monthly, and the balance is included in the last installment.
At the same time, the installment amount and the handling fee of each period are recorded.
China Merchants Bank provides cardholders with personalized choices such as the 2nd installment, 3rd installment, 6th installment, 10 installment, 12 installment, 18 installment and 24th installment, and the corresponding handling fees for each installment are 1.0%, 0.9%, 0.75% and 0.7 respectively.
At present, the application for non-single transaction only supports 2, 3, 6, 10 and 12. The second phase can only be applied through China Merchants Bank's mobile banking and pocket life channels.
Time of installment application
From the trading day to the due repayment date, you can freely choose the installment transaction under RMB or USD account.
For unbilled transactions: you can apply for installment payment between the transaction date of 19:30 and the billing date of the bill corresponding to the transaction.
For bills that have been issued, you can apply for installment from the day after the billing date to the due repayment date (for customers with automatic repayment in the account, the deadline for application is due repayment date 17:00).
What is the loan fee for buying a car?
It is reported that at present, the handling fee of bank auto loans is 3%, while the handling fee standard of auto financing institutions and 4S shops with convenient approval is relatively high.
Generally speaking, the loan to buy a car requires vehicle mortgage, insurance and other procedures, so the handling fees included in the loan to buy a car are mainly compulsory insurance, vehicle and vessel use tax, commercial insurance, licensing fees and so on. In terms of commercial insurance, there are no relevant mandatory regulations, but 4S stores often require car buyers to buy them.
If you want to know how appropriate this handling fee is, you can inquire about some different brands of cars when you buy a car and see how their handling fees are charged, so that you can know the local market. Next, according to experience, if you use a car with a loan of about 654.38+10,000 yuan, the handling fee is about 300-5,000 yuan, and if you use a car with a loan of 20.3 million yuan, the loan amount is also more than 1.5 million yuan, generally speaking, it is about 60-8,000 yuan (the above is the average level, which fluctuates according to the actual situation of local car purchase);
For the question of cost, you must inquire in advance, not only to ask the staff of 4s shop, but also to know more about relatives and friends. Don't trust 4s stores too much. Some expenses are actually collected by themselves. Some 4s stores provide both interest and handling fees, some only provide interest without handling fees, and some only provide handling fees without interest. We must distinguish between them.
Is there a service charge for the down payment in the car?
There is no service charge for the down payment in the car.
The down payment for a loan to buy a car starts from 20% of the sales price of the vehicle, and the down payment will be different for different vehicles and different years. Ordinary customers can apply for installment payment according to a three-year fixed loan. Loans with a term of 1-5 years for all scientific and technical personnel, state civil servants, teachers, doctors, business representatives, managers of large enterprises and financial system workers can be handled according to their selected models.
General down payment includes down payment of bare car price, purchase tax, first year insurance, licensing fee and financial service fee. Of course, you can also choose down payment 1%. All expenses are included, but the total cost will be higher.
Auto loan interest = the annual interest rate term of the loan amount. From the calculation formula of car loan interest, we can know that car loan interest is not a clear fixed value, which is generally mainly determined by car loan interest rate and term. The longer the term, the higher the interest rate and the higher the interest. The specific interest rate of car loan is determined by the lending institution according to the borrower's qualification.
The interest rate of automobile loan fluctuates on the benchmark interest rate of central bank loan;
1, and the loan interest rate within one year is 4.35%;
2. The loan interest rate within one year to five years is 4.75%;
3. The loan interest rate for more than five years is 4.90%.
note:
Before choosing a loan, car owners should know more about the car loan business provided by different banks or some formal auto finance guarantee companies, and know clearly the terms in the loan contract, whether it involves binding provisions and the calculation method of interest. And what is the repayment method of the loan and when is the repayment date, so as to avoid future contracts.
In addition, when the bank approved your loan, it found that there were other loads. Even if the debt is not high, the loan amount will be reduced. At the same time, your monthly repayment should be as small as possible, otherwise the bank may refuse.
How much should I pay for the car loan? These expenses can't be bypassed!
Now the price of cars is getting cheaper and cheaper, and many users are ready to buy cars. Most users will choose a car loan to buy a car, which is much more expensive than buying a car in full. Today, let's take a look at what money we have to pay for car loans, hoping to help everyone.
First, the down payment fee
Generally, 30% of the capital buys a car with a car loan, which means that only 70% of the car is borrowed.
Second, the handling fees of banks and 4S shops.
If you apply for a car loan in a 4S shop, you need to pay some interest. Generally speaking, it costs about 1000 yuan a year on average. Even if you use the full amount, you may have to pay a handling fee, which is generally similar and different in each region. These contents need to be asked in advance.
Three. other charges
If it is a car mortgage, you need to pay the following related fees.
1. notary fee
Refers to the notarization fee when signing a loan contract, and the charging standard is 100 yuan, but the fees charged by notary offices may be different from place to place.
2. Investigation fee
This kind of expense usually occurs when financial companies and banks investigate consumers.
3. Mortgage costs
The mortgage fee here refers to the handling fee of the mortgaged vehicle, which is charged by the local vehicle management department, but the charging standard is different in different regions, generally around 100-300.
4. Renewal insurance premium
When buying a car, the lender needs to pay a certain deposit in addition to buying new car insurance to ensure that the insurance is always purchased in the 4S shop during the loan period. This fee needs to be paid in one lump sum when the down payment is made, but it will also be returned after the consumer pays back the money.
5. Guarantee fee
We need a guarantor for our loan. If not, the bank will designate consumers to apply to the guarantee company. Generally speaking, the interest rate for a three-year loan is 3%, and the interest rate for a five-year loan is 4%. Such fees will be paid in one lump sum when you pay the down payment, and then returned after the payment is completed.
You must pay for these car loans.
When applying for a car loan, you are often asked to pay a certain fee. Do you know how to calculate the car loan fee? I sorted out the handling fee for your car loan, and I know how to calculate it. You will be an insider in the future.
Automobile loan fees include insurance premium, notarized mortgage fee, credit investigation fee, installment fee, etc. Please refer to the following for the specific calculation method:
1. car loan down payment.
Generally speaking, the down payment is generally 40% of the car price. Of course, there are also borrowers with better qualifications, such as high-income customers of institutions or large companies, which can be appropriately relaxed to 30%.
2. New car insurance premium.
Part of the insurance to be paid is compulsory national insurance, which all car buyers need to pay. The other part is the cost of commercial auto insurance, such as car damage insurance, three-way insurance and vehicle liability insurance. Among the commercial auto insurance costs, there are many types of insurance involved, and the auto insurance costs are directly related to the car price of the car buyers, and the types of insurance in different regions may be slightly different.
3. Notarized mortgage fee
Mainly notary fees and mortgage fees. In general, the notarized mortgage fee for vehicles is about 1000 yuan.
4. Credit investigation fee
The credit fee is 65438+ 0% of the loan amount.
5. Installment fee
Buying a car with a credit card loan requires an installment fee. General 12 installment total cost is above 10%.
6. Mortgage costs
The mortgage fee is 3%.
7. License fee
The car loan fee also includes the license fee. Literally, the license fee is the cost of handling a car license. The new car licensing fee mainly includes the fee paid for the online inspection of new cars, the fee for taking photos of extension numbers and the fee for licensing new cars. In the end, it will probably be around 300 yuan, and it is possible that the expenses incurred in different regions are slightly different.
8. Performance bond
To put it simply, the guarantee money paid at the time of loan is close. After the mortgage loan is completed, the borrower will refund the deposit in full, and 3,000 yuan will be charged for vehicles under 300,000 yuan.
9. Credit fee
Editor's note: Many friends may think that some extra expenses are small money, and never delve into them. You will understand how deep the water is. I suggest that you fully understand your legitimate rights and interests before paying the car loan fee. Friends who have more loan needs can come and have a look. There are many loan products here, and there is always one for you. Match products that meet your qualifications for you.
Is there a handling fee for borrowing money to buy a house in China?
In fact, each of us will have various unplanned expenses in our lives, but when buying a house, we must repeatedly emphasize that we must prepare enough funds, not just enough to pay the down payment of the house, because the upfront loan for buying a house also involves a lot of handling fees. There may be some people who buy commercial housing for the first time who really don't understand what handling fees are needed to buy a house with domestic loans. 1. Is there a handling fee for borrowing money to buy a house in China? 1, mapping fee: the mapping fee is determined according to the specific conditions of each district, such as: ordinary residence 1.36 yuan/square, commercial housing 2.04 yuan/square, and production workshop 2.72 yuan/square. 2. Appraisal fee: 6,543.8+0.5% within 0,000 yuan (the appraisal amount is allowed to float); Exceeding 0.3% of1100,000 yuan (assessed amount, allowed to float). 3. Transaction costs: Generally speaking, new commercial housing, 3 yuan/square; Second-hand house, 6 yuan/m2; Non-housing, 10 yuan/square. 4. Production cost: 80 yuan for housing and registration fee, 550 yuan for non-housing and registration fee (also called production cost). 5. Mortgage registration fee: house, 120 yuan; Non-residential 550 yuan (floating allowed). In addition, the buyer should also pay some taxes, such as deed tax: 65438+ 0.5% of the house price (3% for the area above 144 square meters and 1% for the area below 90 square meters). Land transfer fee: based on the construction area 1.5%, the housing area 140 or more needs 3% (only for public houses, that is, there is no land certificate). Stamp duty: 0.05% of the house price. All the taxes listed above belong to the buyer, and the fees in different regions may be different. 2. What documents do I need to go through the formalities of buying a house? Generally speaking, a one-time payment to buy a house only requires a copy of the ID card of the buyer. However, if mortgage to buy a house wants to provide the ID card, household registration book, copy of marriage certificate and the original income certificate of the buyer's husband and wife, the unmarried person needs to provide the unmarried certificate. If it is a second-hand house, the other party has a property right certificate, so you can just sign a contract with it. If you need to borrow from a bank, you need proof of identity, proof of marital status, proof of academic qualifications, proof of income and other materials to prove your qualifications, but it depends on the specific requirements of each lending bank. This is the certificate we need when we go through the formalities of buying a house. At the same time, when buying a house, we also need to look at the developer's documents, such as business license, construction land planning permit, construction project planning permit, state-owned land use permit, construction project construction permit, commercial housing pre-sale permit, etc. With these certificates, you can legally buy a house. The handling fees involved in buying a house by loan mainly include the cost of production, registration mortgage fee, evaluation fee, surveying and mapping fee, etc. Because these preparations in the early stage are ultimately for the mortgage registration of the house, and some documents we issued at the time of mortgage registration need to pay the cost of the work, so these expenses are not a small expense.
The introduction of down payment loan fee and down payment loan fee ends here. I wonder if you have found the information you need?