How much is the monthly repayment for 24 installments of 2, credit cards

How much is this monthly repayment depends on the specific situation. For example, the interest of a credit card with 2, yuan in 24 installments is that the handling fee for each installment is equal to: (principal) 2, (handling fee rate) .6%= the principal and interest for each installment is: 12 yuan; The principal payable in each installment of 24 installments is = (principal) 2/ (number of installments) 24= (principal of each installment) 833.33 yuan, and the amount payable in each installment of 24 installments is = principal payable in each installment (833.33)+ handling fee (12)= (principal+interest) 953. The monthly fee rate for credit card construction is: .7% for the third phase; The sixth phase is .6%; .6% for the 1th issue; The 12 th issue is .6%; The 18 th issue is .6%; The 24 th issue is .6%.

Interest rates of different loan channels

1. Credit card cash installment or cashing: Small partners who hold credit cards often think of using their credit cards to borrow or cash out. First of all, cashing out is done by some methods, which requires handling fees. Ten thousand yuan is about 6 to 8 yuan, and if the interest rate is calculated by installment, it is at least above 1%.

2. Mortgage loan: At present, the interest rate of bank mortgage loan is based on local policies and bank policies, which is basically between 6% and 8%. However, it still needs collateral that meets the requirements and needs to go through various procedures, which is relatively troublesome.

3. Bank credit loans: At present, many banks also provide various mobile phone credit loans, with annual interest rates ranging from 8% to 14%, which will be slightly different according to product attributes. In addition, with some repayment methods, the interest is about 15%.

4. Our company: There are already many loan companies with extremely low thresholds in the market. They can provide loans ranging from several thousand to several hundred thousand only by providing basic personal information. A low threshold is bound to lead to high interest, and the interest plus various handling fees is basically around 24%.

5. Small loan platforms: such formal and reliable platforms as Jiebai, JD.COM Gold Bar, Micro-loan and Wanda Loan all bear interest on a daily basis. The daily interest rate is about .5%, and the calculated annual interest rate is about 18%. There are also some mobile phone loan platforms, and the interest rate is even higher, most of them are around 36%, and the annual interest rate of some illegal online loans can even be as high as 2%.

how much do I have to pay for the 12 installments of 2, yuan with my credit card?

It depends on the handling fee rate of each installment. I will teach you how to calculate it:

1. Credit card installment fee = installment principal, handling fee rate and number of installments.

2 The monthly repayment amount of 2, credit cards in 12 installments varies according to the interest rates and repayment methods of different banks. For example, the installment rate of ICBC in 12 installments reaches 3.58%, including the handling fee. The first installment should be 2,382.74 yuan, and the remaining installments should be 1,666.66 yuan.

3 Agricultural Bank of China, China Construction Bank and Postal Service are different, and the principal payable per period is 1,666.67 yuan, plus the rate, the repayment amount per period is 1,786.67 yuan.

expansion: increasing the credit card limit:

1. One of the major difficulties for banks is to attract users. Grasping this well can get twice the result with half the effort. Specifically, after you are optimistic about a bank's credit card, you will transfer your money to this bank and generate running water. If you can apply for a time deposit or buy wealth management, the probability of applying for a large card is higher. This method not only plays an important role in applying for a new card, but also helps to increase the amount of our credit card, but you can only find your own way if you have money or not!

2. Find an associated bank

By association, I mean which bank you have capital exchanges and business contacts with, such as which bank your salary card is, which bank you have more deposits in, and which bank your social security accumulation fund is. If you apply for a bank that does business with you.

3. Integrating fixed assets

A bank is an institution that speaks by money. This method is suitable for people with fixed assets to apply for large credit cards directly. For example, if you have fixed assets such as houses and car lights in your name, you can submit the certification materials, which will be approved for you in minutes, and the amount of the card will not be low.

4. First low, then high

Apply for a bank's credit card first, and don't care too much about its credit limit. Use the method of withdrawing money I saw before to withdraw the credit card. After a period of time, the credit card of other banks in the class will not be lower than the previous card, so there will be an extra card.

a credit card with a lump sum of RMB 2, will affect the credit?

Hello, I'm Lao Xu, a struggling financial migrant worker. Please pay attention to me and discuss financial issues with me!

if your credit card costs 2, yuan at a time, as long as it is for your real consumption purpose, it will not affect your credit. As long as the credit card is used for reasonable consumption and affordable consumption, you can use the credit card with peace of mind. The credit card itself is to support everyone's daily consumption. As long as it is used for consumption, it is welcomed by the credit card center.

In fact, whether the credit card consumption is reasonable or not is the most important way for the credit card center to judge whether you can repay the arrears on time. As long as the overdrawn amount can be repaid on time, the credit card center will not take any measures against your credit card, and it will have no other impact on your credit. If the credit card spending exceeds your repayment ability, it will affect your repayment, and you may not be able to repay on time. Once the repayment is overdue, your credit information may be affected, which will affect your subsequent cooperation with financial institutions.

the amount of credit card swiping depends on the credit line of the credit card itself. Our general consumption amount cannot exceed the credit line. Once the credit line is exceeded, we are not allowed to use the credit card. Within the credit line, we have the right to use the credit card. As long as we can use the credit card, we can spend it at any time. Of course, there is also a temporary credit line, that is, under certain circumstances, users can apply to the credit card center for a temporary increase in the line, so the line that users can use will be increased to the same amount as the temporary line. The temporary line is not available to every user, but can only be applied after meeting the requirements stipulated by the credit card center.

the credit card center will analyze the consumption data of each user. If your consumption amount is always in a high position and you can repay on time, then the credit card center will automatically increase your credit line. If you can't repay on time, your credit line may be lowered.

how much is the credit card spending 2, installments in 12 months?

The credit card spending 2, yuan, and I applied for 12 installments. The fee rate for each installment is .5%, and the monthly repayment: the fee is 2X.5%+ the principal is 2/12=1766.67 yuan. Different banks depend on different situations. The handling fee is inconsistent. Installment repayment-means that there will be multiple repayments, and the principal and interest of repayment will be allocated to each repayment.

A sales contract by installment refers to a sales contract in which the buyer pays the total price payable to the seller in installments within a certain period of time. Installment payment is a special form of buying and selling, which is often used in the buying and selling of houses and high-grade durable consumer goods in China.

advance delivery of the subject matter. Installment sale is a "delivery first" sale, that is, the seller will generally deliver the subject matter to the buyer immediately when the buyer pays the price for the first time.

installment payment of the price. The buyer's price is paid by stages according to a certain period of time, that is, the buyer needs to pay the price by more than two stages after taking possession of the subject matter, otherwise it is not a sales contract by installment.

The installment sales contract with retention of ownership is a kind of installment sales contract, which refers to the installment sales contract combined with the guarantee method of retention of ownership. In detail, it means that although the two parties agree that the buyer will occupy and use the subject matter first, the seller still retains the ownership of the subject matter until the specific conditions agreed by the two parties are fulfilled; An installment sale contract in which the ownership is transferred to the buyer after the conditions are fulfilled. However, it should be noted that the "conditions" here are different from those in the sense of civil law, and the conditions here should be interpreted as "burden", which is similar to the law. See the second paragraph of Article 93 of the Contract Law: "The parties may agree on the conditions for one party to terminate the contract. When the conditions for terminating the contract are met, the obligee may terminate the contract. " Similarly, there are Article 16 of the Contract Law, Article 111 of the General Principles of the Civil Law, Article 64 of the People's Opinion and Article 35, Paragraph 1 (2) of the Supreme People's Judicial Interpretation of Sales Contracts, which can also testify.

credit card consumption by stages means that if a single consumption amount reaches the minimum consumption amount stipulated by the bank, the cardholder can apply to the bank to split the consumption into several repayments, and the bank will charge the consumption into your credit card account.

application process

apply by phone or at a physical bank.

since the cardholder does not spend money in the cooperative merchants (shopping malls or online) of the issuing bank, that is, the products purchased by the cardholder do not come from the merchants designated by the issuing bank, and they apply for installment business after they have already spent money, so don't confuse consumption installment with mail order installment and merchant installment.

after spending, cardholders need to apply for installment before the billing cycle (between the consumption date and the billing date), otherwise the bank will deduct their credit card amount and cannot return it. (The specific application date depends on the bank)

You can apply within 1 days from the successful consumption to the due repayment date after the bill date.

The interest-free repayment period of general consumption installment business is 5 days, but it is 56 days for Shanghai Bank and 51 days for Minsheng Bank. If the cardholder repays the loan outside the interest-free period (overdue repayment), he will have to pay a certain amount of late payment fee (5% of the unpaid part) and interest (5/1 of the unpaid part, calculated according to compound interest), and some banks will set the minimum amount of late payment fee.

the cardholder's consumption amount cannot be fully converted into installment payment. Generally, the bank stipulates that 9% of the cardholder's consumption amount can be converted into installment payment, that is, the cardholder has to pay 1% of the down payment.

That's the end of the introduction about how much the credit card charges 2, yuan and 25, yuan. Did you find the information you need?