1. How much is the monthly interest on an Agricultural Bank of China credit card loan of RMB 100,000

Equal principal and interest method: loan principal: 100,000, assumed annual interest rate: 6.500%, loan period: 1 year: per The monthly payment of principal and interest payable is: 8629.64 yuan, the total repayment amount including principal and interest is: 103555.68 yuan, ***interest payable: 3555.68 yuan. The first month's interest payment is: 541.67; the first month's principal payment is: 8087.97; thereafter, the monthly interest payment amount decreases and the principal payment increases.

2. How much interest will be paid every month for a credit card loan of RMB 100,000?

For a three-year ordinary loan, the interest is 5.15%, interest = principal × interest rate 5.15%3 = 15,450 yuan. If it is a provident fund loan, the annual interest rate is 2.75%, 1,000,002.75%3 = 8,250 yuan.

The handling fee for credit card installment loan (i.e. cash installment) is calculated as handling fee per installment = total installment amount and handling fee rate per installment. The remainder is calculated into the final installment and is billed separately for each installment.

Notes on the use of credit cards

If the credit card is not paid in time and the debt is paid off, in serious cases, you will bear legal liability, and it will also have an impact on the user's future loans. ,

When applying for a credit card, you need to fill in an application form. The application form needs to fill in your address and contact information. If you know the card issuing bank, some bills will be sent to your home every month. Develop a good habit of using consumer cards, live within your means, and do not spend more than you can afford.

Du Encyclopedia-Credit Card Loans, People's Daily Online-Personal Consumption Optional

3. What is the minimum monthly repayment for a credit card loan of 100,000?

To cash out 100,000, the minimum repayment in the first month is 10,000, the minimum repayment in the second month is 9,000, and so on;

2. Pay the minimum repayment, All consumption on the bill will not be interest-free, and will be subject to full penalty interest. Interest will begin to accrue from the day the card is swiped, with a daily interest rate of 5/10,000. The interest will be accrued every other month until the principal and interest are paid off.

Interest = total consumption amount 100,000 × 0.05% × number of days from the accounting date to the first repayment date, unpaid amount 90,000 × 0.05% × number of days from the first repayment date to the second repayment date ;

3. After paying the minimum repayment amount, part of the available credit limit will be restored; for example, if you repay 10,000 yuan, the available credit limit will be 10,000 yuan, and the overdraft cannot exceed 10,000 yuan;

4. The minimum repayment amount will not affect personal credit; however, if you pay the minimum repayment amount for a long time, the bank will question your repayment ability, which will be detrimental to future increases;

5. You can always pay the minimum repayment amount. Continue until the principal and interest are paid off;

4. How much interest does it cost to repay a RMB 100,000 monthly loan with a credit card?

A credit card loan refers to a loan granted by a bank to a cardholder The overdraft function within a certain credit limit transforms the consumer loan function of a credit card into an unsecured one. It is actually a credit card transfer loan business. After the credit card loan application is approved, the bank will transfer part or all of the credit card limit to the debit card, and the loan will be repaid according to the repayment period agreed with the bank, and the cardholder will pay the corresponding handling fee. At present, the application threshold for credit card loan business is not high. As long as the cardholder's credit status is good and there are no abnormalities in the account, he can generally apply. To apply for this business, except for a few banks that adopt the bank's initiative invitation method, most banks implement two methods: telephone invitation and customer initiative application. Customers who are proactively invited by the bank generally receive a higher loan amount than those who proactively apply. Through this kind of credit card, you can apply for loans ranging from 5,000 yuan to 200,000 yuan, and no mortgage is required. As long as the credit card holder meets the qualifications, the loan can be made. Since credit card transfer borrowing is suitable for people with short-term urgent needs, it is not suitable for long-term borrowing. Therefore, after transferring a loan using a credit card, the cardholder can repay the loan in installments, with the number of installments ranging from 3 to 36. However, it should be noted that the longer the installment period, the higher the interest rate. The monthly interest rate for 12 installments is around 0.75%, which means that 10,000 yuan will generate 75 yuan in interest per month. If you borrow 50,000 yuan in cash in advance and repay it in 12 installments, the monthly interest is 0.75%, and the total interest in one year is 4,500 yuan. The current personal loan interest rate for 6 months to one year (inclusive) is 6.06%, and the loan interest rate for more than 5 years is 6.60%. Compared with traditional loans, the cost of credit card transfer loan business will be higher. Consult Ping An Bank for details