Total repayment amount = total remaining principal after the last repayment before the prepayment date+interest from the last repayment date before the prepayment date to the prepayment date.
Where: the interest from the last repayment date before the prepayment date to the prepayment date = the total amount of remaining principal after the last repayment before the prepayment date * (the annual interest rate of the loan agreed in the current period /360) * the number of days from the last repayment date before the prepayment date to the prepayment date.
If the loan contract stipulates that the borrower needs to pay liquidated damages for repaying the loan in advance, it also needs to add the liquidated damages that the borrower should bear.
Suppose: after normal repayment on February 28th, the remaining loan principal is RMB 6,543,800+,which is fully repaid on March 28th, 2005. The annual interest rate of the current loan is 6%, and there is no penalty clause, then:
Total repayment amount =100,000+100,000 * (6%/360) *15 =100,000+250 =100 250 yuan.
China Merchants Bank withdrew RMB 65,438+00,000 from its credit card and paid it off before the billing date. How much do you need to pay? China Merchants Bank's credit card "cash advance (also known as cash withdrawal)" will charge a handling fee and interest.
Handling fee: the domestic RMB is calculated as per 1%, and the minimum fee is ￥10; Interest: "advance cash" does not enjoy interest-free repayment. From the trading day, interest will be charged at the daily rate of 0.5 ‰ until the settlement date, and the interest will be compounded monthly. The earlier the repayment, the less interest will be generated.
Note: 1. There is no inter-bank handling fee for cash withdrawal in different places in the same city, and it is charged at the beginning of successful cash withdrawal.
2. There is only a handling fee for withdrawing the credit Canedo deposit, and you can also choose to transfer the overpaid part for free.
3.YOUNG Card Youth Edition, GQ Co-branded Credit Card, Weibo Daren Card and City Theme Series Gold Card are free of charge for the first cash advance every natural month (interest is normally charged).
(reply time: 2065438+February 2, 20091. Please refer to China Merchants Bank (official website) for the latest business changes.
Can China Merchants Bank's credit card be repaid before 24:00 on the 5th of each month? Hello, the consumption amount of China Merchants Bank's credit card can be repaid before the due repayment date, and the credit card can be repaid before 24: 00 at the latest (subject to the actual receipt). Note: Consumption before the current bill date is included in the current bill, and consumption after the current bill date (inclusive) is included in the next bill.
How often can China Merchants Bank's credit card be increased after the billing date? Credit cards will be adjusted once every six months, and generally only increase or decrease, unless you swipe your card maliciously.
How much to increase depends mainly on the frequency and quantity of your brush. The more you increase, the higher you will rise. However, China Merchants Bank is limited, and there will not be too many in half a year.
I believe it rose by 500 in the first half of the year, instead of 6000.
Bank of Communications spent a lot of money, and it rose by 2,000 in half a year. It turned out to be 1 1000.
Can I apply for a temporary credit line if the fixed credit line of China Merchants Bank is still unclear? There are several ways to spend money.
You can apply for a credit card under the following circumstances:
Apply at the bank counter first (provide ID card and work certificate).
Second, make an appointment for the bank staff to visit (you can call the bank).
Third, the official online application (the amount is generally not very high, you only need to fill in the information, the phone at work is answered, and there is not much problem with personal credit information, so you can generally apply for a card).
If you can't do it, you can only spend money to find someone.
Do ka, get cash, and you can find me.
Credit card debt of China Merchants Bank 1700. I haven't sent it for ten years! The bill is still 1700 and will be included in next month's bill.
You can log in to the credit card account of China Merchants Bank to check whether there are paid bills or unpaid bills. The paid bill was paid by you 18 1700 yuan, and the unpaid bill was a few hundred dollars that you brushed later. This is the amount of the next bill.
China Merchants Bank credit card can take out a temporary limit to repay the arrears. It's ok to withdraw money and repay the temporary limit on the billing date. The temporary quota for attracting investment can be used as a fixed quota and can be used in stages. I have implemented more than 40,000 temporary investment promotion quotas in stages. However, if payment by installment or cash installment is not available, it shall be paid in full on the corresponding repayment date after the expiration of the temporary limit.
How to calculate the refund after the credit card bill of China Merchants Bank comes out? When returning a credit card, if the merchant operates the credit card refund on the credit card swiping machine, the refund will generally enter the credit card account within 15 working days. If the transaction date of the refund is later than the current bill date, the refund item will not be regarded as the repayment of the current bill, and the refund amount will be included in the next bill.
If you have any questions about other CMB credit cards, please search for 4008205555 among QQ corporate friends and add CMB Credit Card Center as a friend. Or search for "cmb4008205555" on WeChat, and pay attention to China Merchants Bank Credit Card Center for consultation. Thank you for your attention and support to China Merchants Bank!
Should China Merchants Bank pay off all the previous bills after raising the fixed credit line? China Merchants Bank credit card must cancel the temporary credit line to see the increased fixed credit line, and the two do not affect each other. Credit lines are divided into temporary lines and fixed lines:
1. Apply for temporary credit line. To apply for a temporary credit line, the cardholder must hold the card for at least three months. The cardholder calls the bank's customer service to apply, and the bank will make adjustments according to the customer's credit status and card usage.
The temporary credit line is valid for up to 3 months, and your credit line will be automatically restored to the original one after expiration. After the temporary line expires, the used temporary line (the part exceeding the fixed line) does not enjoy the convenience of revolving credit, and will be included in the minimum repayment amount of the latest bill, which must be paid off in one lump sum on the due repayment date.
2. Fix the credit limit of the credit card and hold the card for at least six months. At the same time, the applicant needs to provide sufficient credit certification materials for review by relevant departments. It usually takes 3 working days to get the results.
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(1) If it is a credit card of China Merchants Bank, if you mean the minimum repayment amount on the repayment date, the rest will be repaid after the repayment date. The minimum repayment amount refers to the minimum monthly repayment amount of a credit card, which is displayed on the bill of the credit card in the current month.
If you can't pay off in one lump sum, you can pay off the minimum repayment amount on time before the final repayment date, without affecting your personal credit, but you can't enjoy the interest-free repayment period. All consumption in the current period will bear interest from the bookkeeping date, with a daily interest rate of five ten thousandths. (Repay in full and on time, and you can enjoy an interest-free period for spending by credit card. )
(2) The temporary quota is valid for a certain period of time, and will be automatically restored to the original quota after expiration. After the temporary line expires, the used temporary line (the part exceeding the fixed line) does not enjoy the convenience of revolving credit, and will be included in the minimum repayment amount of the latest bill, which must be paid off in one lump sum on the due repayment date.
(3) After the temporary limit expires, it will automatically revert to the permanent limit. If the current total debt is greater than the permanent limit, the card will exceed the limit, which will affect the use. Overdraft line recovery, that is, you can self-check the available line.