After the application for financial intelligence gold is approved, the monthly repayment amount (including principal, handling fee and liquidated damages (if any)) will be included in the monthly bill of Guangfa Credit Card applied for. The minimum repayment amount is financial intelligence. Please pay back according to the bill.
Financial quotient is a cash installment business. It transfers the borrowed 3W Yuan You to your designated savings account. You can withdraw cash at any time and divide it into 24 installments according to 3W, that is, 3W/24 is your monthly principal and 3W×0.75% is your monthly service fee, so the monthly repayment amount of your credit card should be the installment principal of your current credit card+service fee+other fees. The repayment date is the same.
Exclusive (large) financial intelligence funds can be divided into 6/ 12/ 18/24/36 periods. The corresponding treatment interest rate for each period is 0.8%/0.7%/0.7%/0.75%, and the annualized interest rate is16.27%/15.16%/15.36%//kloc-respectively. Handling fee for each period = approved payment amount * benchmark handling fee rate for each period, which will be deducted on schedule.
General financial intelligence funds can be divided into 3/6/ 12/ 18/24 periods, with the corresponding processing interest rate of 0.95%/0.75%/0.75%, and the annualized interest rate of 17.02%/65438.
For example, apply for a general financial intelligence fund with 10000 yuan, divided into 12 installments, and the amount payable in each installment is10000/10000 * 0.75 = 908.33 yuan.
After the application for financial intelligence gold is approved, the monthly repayment amount (including principal, handling fee and liquidated damages (if any)) will be included in the monthly bill of Guangfa Credit Card applied for. The minimum repayment amount is financial intelligence. Please pay back according to the bill.
1. Loan repayment: This repayment method has no fixed repayment period, but from the date of successful application, the daily interest rate is 0.05% and the handling fee is charged. The cardholder can repay in full or in advance at any time, and the handling fee for the unpaid amount is still charged on a daily basis. Among them, loan repayment = application principal+loan service fee repayment (service time *0.05%).
2. Repayment by installments: If repayment by installments is selected at the time of application, the principal and handling fee shall be repaid by installments in the agreed way. Among them, the amount payable for each period of Caizhi Fund = application principal/number of periods+handling fee for each period (application principal *0.75%). The amount of each installment should be included in the bill and repaid on time according to the bill. Suppose the applied financial intelligence fund is 10000 yuan, and the repayment is made in 12 installments. The handling fee for each installment is 0.75%, and the payable amount for each installment is =10000/15438+00000 * 0.75 * = 908.33.
Financial information:
In order to curb the illegal cashing of credit cards, the Credit Card Center of Guangfa Bank (formerly Guangfa Bank) launched the "Caizhi Fund" business for the first time in China. The "financial wisdom fund" business is an "emergency reserve" service specially provided by the Credit Card Center of Guangfa Bank for cardholders. It has no security at all. Credit card holders with good credit records can apply to the Credit Card Center of Guangfa Bank for cash withdrawal.