4 19。 17 yuan.
There is no interest on the credit card installment of the Postal Savings Bank, only the handling fee, which is 0.5% of the total monthly installment. 6%, if the funds are tight, it can reduce the monthly repayment pressure. When there is surplus funds, you can apply for early repayment of the installment amount.
This will release the available credit line, and the Postal Savings Bank will not charge a handling fee for prepayment.
How to calculate the interest of postal credit card installment payment?
Postal service, monthly fee 0.6%, 24 installments, no prepayment!
Transportation, 0.72% handling fee for 24 months, and full handling fee for prepayment!
Postal service, monthly repayment principal 1083.33 handling fee 156, monthly repayment total 1239.33.
Transportation, monthly repayment of principal 1083.33 handling fee 187.2, and total monthly repayment 1270.53.
Comparatively speaking, postal services are cost-effective. If you prepay, the postal service does not charge prepayment fee!
I used my postal credit card to swipe 10000, and I have to pay back 12 or 24 issues every month. How much is the interest?
I swiped 10000 yuan with a postal credit card in 12 installments, and each installment should be paid back:10000/1210000/120.6% = 838.33 yuan.
24 installments per installment:10000/2410000/240.6% = 419.17 yuan.
Provisions on credit card installment of China Postal Bank:
1. The Postal Savings Bank provides the number of five issues, namely, 3, 6, 12, 18, and 24, and the Golden Leaf Card product provides two additional issues, each of which is 1 month. Cardholders who apply for transaction installment and bill installment can freely choose the number of the above five installments; Cardholders who apply for merchant staging can freely choose according to the number of staging provided by merchants.
2. Installment fee pricing and collection: transaction installment fee and bill installment fee are charged on a monthly basis, regardless of the application amount, and 0.3%-0.85% of the total installment principal is charged for each installment. Handling fee rate: 0.6% of the total installment principal/period, which will be collected on schedule. For details, please call the credit card customer service hotline at 40088-95580.
Extended data
China Post Bank has a low threshold for applying for credit card installment, and a single transaction of "transaction installment" can be applied when it reaches 500 yuan; The proportion of handling fees does not increase with the increase of installment times, and it is not necessary to pay in one lump sum when applying for installment, but to collect them in installments, thus reducing the pressure on users to repay in the first installment.
Postal credit cards can be applied by calling the credit card customer service hotline 40088-95580 or through personal online banking, mobile banking, uplink SMS and micro-banking of Postal Savings Bank.
Cancel the transaction by installment and bill installment, and charge the cancellation fee to 20 yuan; There is no account cancellation fee for merchant installment, telemarketing commodity installment and online banking merchant installment. There is no extra prepayment fee for prepayment, but the cardholder has to pay the formalities fee for undistributed principal.