There is no handling fee for bank loans. There is no saying that users apply for bank loans offline or through online channels. If you encounter handling fees, please be alert to whether you encounter counterfeit loan products. In addition, after the bank loan application is successful, the bank will only charge the loan interest and will not charge other fees. In addition, users have to charge a certain fee before handling secured loans or mortgage loans, which is not a handling fee. These expenses have specific names.
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.
The skills of small and medium-sized enterprises to obtain bank loans include establishing good bank-enterprise relations. Pay attention to credibility. Investment projects should write a feasibility study report, highlighting the characteristics of the project. Choose the right loan opportunity. Get the support of SME guarantee institutions.
Venture loan refers to a special loan issued by an individual who has certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized by the bank and provides effective guarantee. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability.
For those who need to start a business, they can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. Business needs to buy commercial housing along the street, you can apply for commercial housing loans from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years.
In addition to certificates of deposit, personal loans can easily obtain certificates such as treasury bills and insurance company policies. 80% of the deposit amount can be used for loans; 90% loanable national debt of national debt denomination; The amount of the policy issued by an insurance company shall not exceed 80% of the cash value of the policy at that time.
If you don't have certificates of deposit, government bonds or insurance policies, but your spouse or parents have a better job and a stable income, it is also an excellent credit resource. At present, banks have a soft spot for high-income groups. Lawyers, doctors, civil servants, employees of public institutions and people in the financial industry are all listed as preferential targets for credit loans. Employees in these industries can get about 654.38+10,000 yuan of secured loans from ICBC, CCB and other financial institutions only by looking for one or two colleagues to guarantee, and all kinds of materials can be approved on the same day and venture capital can be obtained quickly.
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).
How much is the annual service fee of 400 for the credit bank?
Loan costs. Credit loan refers to a kind of loan issued according to the credit status of the loan applicant, also called pure credit loan, which can be applied without providing any mortgage. The credit bank charges a service fee of 400 yuan a year, which is the loan fee, in order to recover a fee from the credit bank.
The introduction of bank credit loan fees ends here.