For example, if Ms. Li spends 10000 yuan and returns it in three installments, the handling fee for each installment is 10000×0.88% = 88 yuan; Total handling fee for the third phase 10000×0.88%×3=264 yuan.
As a national commercial bank, Guangfa Bank ranks in the top 20 among thousands of domestic banks, and is the first batch of 25 P2P online lending institutions "white list" published by China Internet Finance Association in 20 18. Its strength cannot be underestimated.
Our bank was established in 1988 and its head office is located in Guangzhou. Guangfa Credit Card won two awards of "Best Issuer" and "Best Platinum Card" in Hexun.com's 2008 China Credit Card Evaluation Report. This is another honor that Guangfa Card won the "Outstanding Card Issuer" award in the annual credit card selection in 2007. It can be seen that the service of Guangfa Credit Card is still very good.
Recently, Guangfa released the latest adjustment plan of credit card installment fee, which is the second time that Guangfa Bank adjusted the installment fee collection standard after five years. Details are as follows:
"Yangyanghang" consumption installment fee, bill installment fee, overdraft transfer installment fee, and easy financial installment fee: customers can choose 3/6/12/18/24/30/36/48/60 installment according to the business type, and each billing month is 65438.
The handling fee is charged according to a fixed proportion of the total installment repayment amount, which varies according to the qualifications of the cooperative merchants or customers; According to different products, the bank will charge the repayment fee in one lump sum or monthly installments, and the rate is equivalent to 0%- 1.44% per installment. If the installment repayment fee is allocated to the billing month, the customer shall pay the unpaid principal and the remaining handling fee of 3% of the unpaid principal when repaying all the installment principal in advance.
For the "wealth management fund" business, customers can also choose to use the natural day as the installment method, and the handling fee is calculated according to the remaining unpaid principal, and the rate is equivalent to 0%-0.05% per day. The new scheme will be implemented from 4. 1, and the new installment business needs to follow the new policy. In other words, in the future, the handling fee for credit card installment business of Guangfa Bank will be charged at one time. If you choose to share monthly and repay in advance, you will have to charge the remaining 3% handling fee for prepayment, which is a bit similar to charging liquidated damages for prepayment of housing mortgage loans. Relatively speaking, this is also a great progress of Guangfa Bank, which is even more incredible in the charging standard of credit card installment fees announced by Guangfa Bank before. Let's take a look at the installment fee standard published by Guangfa 20 14: the rate range of each installment is 0%-1%; Customers can choose 3/6/12/18/24/30/36/48/60 according to the business category. The fees for different installments are different. The fees for each installment are calculated according to a fixed proportion of the total installment repayment amount, which varies according to the qualifications of cooperative shopping malls or customers. The handling fee can be charged in one lump sum or in installments. If the customer repays in advance, the handling fee to be paid in advance shall be subject to the agreement of the customer when handling the installment business, and the maximum amount of the remaining unpaid installments shall be deducted at one time.