The interest rate of China Merchants Bank 12 installment is 0.66%, so each installment of 300 million 12 needs to pay 198, and 12 needs a total of 2376 yuan. \ At present, China Merchants Bank can provide a variety of periods, including 2, 3, 6, 10, 12, 18, and 24, and the corresponding handling fees for each period are 1.0%, 0.9%, and 0.75 respectively. \ Handling fee per period = total amount per period × handling fee rate per period for corresponding periods. \ credit card installment method of China merchants bank: SMS application: you can edit the SMS "AG# amount # period number" and send it to 1065795555 (mobile users) or10650201009555 (Unicom users), and the system will immediately apply and send a SMS to inform the application result. Online application: You can log in to China Merchants Bank's credit card online banking, select the "installment financing" page, enter the "bill installment", enter the installment amount, select the installment number, and the system will immediately review and automatically inform the application result. Telephone application: you can call 400-820-5555 directly. After the authentication is completed, you can inform the customer service of the installment amount and the number of installments required, and the system will immediately review it. The customer service specialist will inform the application result.
Use China Merchants Bank credit card to borrow 4000 yuan in installments 12 months. What are the down payment and handling fee respectively?
The handling fee rate of China Merchants Bank's credit card consumption 12 period is 0.72%.
Monthly payment: the handling fee is 4000x0.72% 400012 = 26.4333.33 = 362.13 yuan.
There is generally a three-day grace period after credit card repayment, and repayment within the grace period is regarded as timely repayment;
If paid off in full, there will be no cost;
The minimum repayment amount shall be calculated at 0.05% of the daily interest;
Overdue: if the repayment exceeds the grace period or the repayment amount is lower than the minimum repayment amount stipulated by the bank, it will be regarded as overdue, and the daily interest will be 0.05%, and the interest will be calculated from the bookkeeping date. In addition, a late fee of 5% of the unpaid minimum repayment amount will be charged on a monthly basis.
Credit card bill installment of China Merchants Bank:
Handling fee per installment = total installment amount × handling fee rate per installment. The total installment principal is amortized monthly, and the balance is included in the last installment.
At the same time, the installment amount and the handling fee of each period are recorded.
China Merchants Bank provides cardholders with personalized choices such as the 2nd installment, 3rd installment, 6th installment, 10 installment, 12 installment, 18 installment and 24th installment, and the corresponding handling fees for each installment are 1.0%, 0.9%, 0.75% and 0.7 respectively.
At present, the application for non-single transaction only supports 2, 3, 6, 10 and 12. The second phase can only be applied through China Merchants Bank's mobile banking and pocket life channels.
Time of installment application
From the trading day to the due repayment date, you can freely choose the installment transaction under RMB or USD account.
For unbilled transactions: you can apply for installment payment between the transaction date of 19:30 and the billing date of the bill corresponding to the transaction.
For bills that have been issued, you can apply for installment from the day after the billing date to the due repayment date (for customers with automatic repayment in the account, the deadline for application is due repayment date 17:00).
China Bank credit card, I want to accept 12000, how much is the handling fee for 12 installment? What is the total handling fee for one year? Can it be divided into 24 periods?
China Bank charges a certain fee for credit card consumption installment, bill installment and cash installment. The fee varies with the number of installments, but the interest is free. The specific handling fee amount can be inquired through China Bank credit card WeChat official account, colorful life APP, mobile banking and other channels.
The above contents are for your reference. Please refer to the actual business regulations.
CCB Credit Card 10000 points 12 installment repayment. How much will it change every month?
CCB Credit Card 10000 points 12 installments, with a monthly repayment of 893.33 yuan. The specific calculation method is as follows:
The charging standard of bill 12 installment is 0.6%, and the monthly handling fee will be recorded on each billing date after installment and collected on schedule. If CCB applies for early repayment after credit card installment, the handling fee for the remaining installment will be charged at one time.
Monthly repayment amount = principal and handling fee of each installment =10000/120.6%10000 = 833.3360 = 893.33 yuan.
Precautions for bill installment:
1. After the cardholder successfully handles the bill installment, the installment amount and the number of installments cannot be revoked or changed; A cardholder can only apply for one billing installment for one card in each billing cycle, and the time interval between two applications is not less than 30 days. The minimum application amount is 300 yuan RMB, and the maximum application amount does not exceed 90% of the total RMB consumption in the bill (excluding cash withdrawal, installment payment and other transactions stipulated by CCB).
2. The installment amount of the bill occupies the cardholder's available credit line, and the cardholder's available credit line is restored according to the actual monthly return amount.
3. The cardholder shall repay the arrears on schedule according to the amount listed in the statement of Longka Credit Card. If the cardholder fails to repay in full according to the bill before the due repayment date, the interest on the principal payable in installments of the current bill shall be calculated from the billing date of the current period. The installment fee and installment principal amount listed in the cardholder's bill for each installment are fully included in the current minimum repayment amount. If the cardholder fails to return the minimum repayment amount listed in the bill, he must also pay the repayment penalty in accordance with the provisions of the credit card collection agreement.
4. Overpayment in the cardholder's account cannot be used to pay off the remaining principal of installment payment in advance.
5. The cardholder has successfully processed the bill installment. If the applicant applies for prepayment, the installment business will be terminated for the cardholder after confirmation by CCB, and the installment fee charged will not be refunded; At the same time, the cardholder must pay all the remaining principal and handling fee in one lump sum.