1. What is the interest rate for a China Merchants Bank credit card loan of RMB 10,000 per year?

One year’s interest is 394.28 yuan. The base interest rate of China Merchants Bank's credit card loan is 7.2%, and the total interest is 394.28 yuan. The principal and interest must be repaid every month. The monthly payment is 866.19 yuan, the first month's interest is 60 yuan, and the principal is repaid 806.19 yuan; the principal is repaid in the next month. 811.03 yuan, and the interest payment is 55.16 yuan. The principal increases by approximately 5 yuan each month, and the interest decreases by approximately 5 yuan each month. If you fail to repay the loan on time, you will have to pay punitive interest, which will have a greater impact on your personal credit score.

2. China Merchants Bank’s commercial loan of RMB 500,000, with a term of 20 years, how much loan does it take to pay off the loan 14 years in advance?

The bank loan of 500,000 yuan has a term of 20 years. Now the loan must be paid off 14 years in advance. Then, the remaining 350,000 yuan can be repaid in one lump sum after paying liquidated damages.

Early repayment requires liquidated damages.

1. Liquidated damages for early repayment of China Merchants Bank home loans: three months’ interest less than the actual repayment amount. If the loan is repaid early after one year, no less than one month’s interest will be charged. Interest.

2. The penalty for early repayment of China Construction Bank mortgage loan: 3% of the amount of early repayment of the loan. If the loan is repaid in advance between one and two years, 2% of the prepayment amount will be charged. One percent of the loan prepayment amount.

3. Agricultural Bank of China mortgage loan early repayment penalty: If the loan is repaid in advance within one year, the principal multiplied by the month is the loan interest rate divided by 12 months minus the number of repayment months. If the loan is repaid early after one year, as long as there is no previous record of early repayment, no penalty will be charged for those who apply after one year of default.

4. Liquidated penalty for early repayment of ICBC mortgage loan: If the loan is repaid in advance within one year, 100% of the early repayment amount will be charged and if the loan is repaid in advance after one year, no penalty will be charged.

5. Liquidated penalty for early repayment of Bank of China mortgage loan: If the loan is repaid in advance within one year, a maximum interest penalty of no more than six months will be charged (calculated based on the loan interest rate on the early repayment date). If the loan is repaid early after one year, no penalty will be charged.

6. Liquidated penalty for early repayment of Bank of Communications mortgage loan: The minimum prepayment of mortgage loan cannot be less than 6 times of the monthly repayment amount, and the maximum cannot exceed 35% of the monthly repayment amount. For partial prepayment, One free repayment per year is available. All early repayers are required to pay liquidated damages, and the payment amount must be implemented in accordance with the contract.

7. Liquidated damages: If the loan is less than 1%, it will be regarded as liquidated damages. Payment is due in advance after one year of loan expiry.

8. When the Everbright Bank mortgage loan is repaid in advance, if the loan is repaid in advance within one year, 3% to 6% interest will be charged as liquidated damages. The specific conditions shall be as follows: early repayment, and no penalty will be charged for default. gold.

9. Liquidated penalty for early repayment of Shanghai Pudong Development Bank mortgage loan: When the mortgage is repaid early and the loan is repaid in advance within one year, there are also liquidated damages that are not charged. After one year of loan expiration.

3. How long will it take for China Merchants Bank to borrow 10,000 to repay the loan in full?

One year. A loan of RMB 10,000 plus principal and interest only costs about RMB 1,000 per month and can be repaid in a year, which is relatively easy. China Merchants Bank was established in Shekou, Shenzhen in 1987. It is the first joint-stock commercial bank in China that is completely owned by corporate legal persons. It is also the first pilot bank for the country to promote banking industry reform from outside the system.

4. If you have an overdraft of RMB 10,000 on your China Merchants Bank credit card and repay the minimum repayment amount every month, then a few...

There will be no bad records.

According to what you said, you already paid the loan on the 8th. If there is another overdraft of 500 on the 12th, then the 500 will be credited to your next bill. That is, when the bill is issued on the 22nd, you will see the overdraft of 500 on the bill.

After one billing day The overdraft consumed will be recorded in the next bill (according to your assumption, the 22nd is the billing day, then assuming I spent 1,000 yuan before January 22nd, the 1,000 yuan will be included in the bill when the bill is issued on the 22nd. Any consumption after payment will be credited to the bill on February 22. Similarly, any further consumption of 1,000 or 1w after February 22 will be credited to the bill issued on March 22. You can spend it in the meantime. , will not produce a bad credit record)