If the renovation installment of CCB is completed, no handling fee will be charged if you don't spend money after the renovation installment card is issued; After consumption, according to the actual consumption amount, according to the number of installments, the handling fee rate and the handling fee collection method agreed at the time of application, the installment principal and handling fee will be recorded monthly from the first billing date after consumption by the customer, and the full amount will be included in the minimum repayment amount of the credit card. Please pay attention to the bill and repay it in time according to the amount listed in the bill. The calculation rules of liquidated damages, interest and other interest arising from failure to repay in full and on time, as well as other matters not covered, shall be implemented in accordance with the Articles of Association of China Construction Bank Longka Credit Card, the Agreement of China Construction Bank on Receiving Longka Installment Card and other business regulations.

The relevant calculation formula is as follows:

(1) Monthly repayable installment principal = each consumption amount/installment number;

(2) If the handling fee is charged in a lump sum, the handling fee charged in a lump sum = the amount of each consumption × the handling fee rate in a lump sum. During the installment period, the first bill is recorded in the monthly installment principal and one-time installment fee, and the subsequent bills are only recorded in the monthly installment principal.

(3) If the handling fee is charged by installments, the handling fee charged by installments = the amount of each consumption × the monthly handling fee rate. Within the installment period, the monthly installment principal and monthly handling fee shall be recorded on each billing date.

please consult the loan handling bank if you have applied for the decoration consumption loan of CCB. If you need the contact information of the loan handling bank, you can inquire through the "Personal Loan Network" function at the lower left of the "Deposit, Loan and Bank Card" menu on the homepage of CCB official website, or pay attention to "Customer Service of China Construction Bank" WeChat official account and enter "Personal Loan Network" to inquire.

(in case of business changes, please take the actual situation as the standard. )