Do I need to repay the ICBC e-instalment installment if I don’t consume it? What I want to say here is that as long as the ICBC e-installment application is successful and the money has been transferred to your e-installment special debit card, whether you use it or not, you must repay it on time as stipulated in the contract when you applied. and pay the handling fee. The most important thing is that the bank will not deduct money from your special debit card for repayment, you must repay it to your credit card. The bank will give you a bill every installment, and you must repay the credit card at the end. In addition to paying back part of the principal, you also need to pay part of the installment fee. And no matter how many installments you repay, the monthly payment is fixed, including principal and handling fees. For example, if you apply for an e-installment quota of 30,000 yuan, and the repayment is divided into 12 installments, and the total rate of 12 installments is then you need to repay this much money every month: The principal of each installment = 30,000/12 = 2,500 yuan per installment Handling fee = 30,000* yuan Repayment amount per installment = 2,500 + 180 = 2,680 yuan
Summary: The above is the relevant introduction to "Do I need to repay the ICBC e-instalment if I don't consume it?" In short, as long as you If your e-installment application is successful and your account is received, you must repay it on time as stipulated in the contract, regardless of whether you consume it or not. If you really don’t want to use e-installment, you can call to apply for early repayment to terminate the installment.