The charging standards for suspended accounts are divided into required fees and handling fees.

1. Fees required for suspension of interest payments.

If there is no property relationship involved, the charging standard is 5,000 yuan to 30,000 yuan per item.

If property relations are involved, the fee ratio shall be calculated using a differential progressive system according to no less than the following standards: (1) 5% for the part below 100,000 yuan (including 100,000 yuan), and the fee amount is less than 5,000 yuan Each piece is charged at 5,000 yuan; (2) the portion from 100,000 yuan to 500,000 yuan (including 500,000 yuan) is 4.2%; (3) the portion from 500,000 yuan to 1 million yuan (including 1 million yuan) is 4.2% 4%.

(4) The portion from 1 million yuan to 5 million yuan (including 5 million yuan) is 3%; (5) The portion from 5 million yuan to 10 million yuan (including 10 million yuan) is 2% ; (6) The portion between 10 million yuan and 20 million yuan (including 20 million yuan) is 1.2%; (7) The portion between 20 million yuan and 50 million yuan (including 50 million yuan) is 1%; (8) 50 million yuan For the portion above Yuan, it is 0.5%.

2. The handling fee for suspending the account.

The charges of different banks are generally different, usually 3% per month as a service fee.

Introduction and conditions for suspended accounts:

1. Introduction to suspended accounts.

Suspension of interest means that when the credit card holder cannot repay the credit card debt due to special reasons, he can negotiate with the bank and apply for the bank to suspend the calculation of interest and leave the debt for later processing. In simple terms, suspension of interest and debt This means that interest accrual is suspended, the debt is recorded first, and then paid back later.

2. Conditions for suspension of pending accounts.

Inability to repay: The amount of debt owed is too large and there is no ability to repay. This requires combining the property status and salary amount in the name of the cardholder to prove the inability to repay, so the application needs to be attached Submit your salary slips, debts and other materials, and the materials provided must be true.

Intention to repay: The cardholder needs to have the intention to repay and have a correct attitude towards repayment. There must be no passive evasion of repayment, such as refusing to answer the bank's collection call, moving, changing mobile phone numbers, etc. Waiting behavior.

Give appropriate reasons: including salary is too low or insufficient assets to repay the loan in full on time, or some emergencies. As long as it is true, you can explain the situation to the bank and state Intention to repay.