Depends on which bank, most of them are needed.
For example, the third installment of the credit card is 50,000 yuan, the installment interest rate is 2.7%, and a handling fee is required at maturity 1.350 yuan.
Extended data:
1. The installment amount of this bill is limited.
Under normal circumstances, the installment amount of credit card bill shall not exceed 90% of the new consumption in this period, and shall be less than 80% of the fixed amount.
2, bill installment occupancy limit
Apart from Guangfa Bank, not only the installment principal of bills occupies the credit line, but also the installment handling fee of bills occupies the credit line.
The principal has been paid, and the handling fee is still being collected.
Take 12000 and 12 as examples, the principal decreases month by month with the repayment, and the last installment only occupies the bank 1000 yuan. The bank still charges a handling fee according to the full principal of each issue 12000 yuan.
How to deduct the credit card installment fee?
The calculation method of credit card fee is: transaction amount × installment fee rate × number of installments.
The handling fee rate is different in different periods, depending on the bank's standards. For example, if you spend 6,000 yuan in three installments and the handling fee rate is 1.95%, then the handling fee for each installment is 39 yuan, and the monthly repayment amount is 2 1 17 yuan. The handling fee rate for the sixth installment is 3.6%, so the installment fee for each installment is 36 yuan.
I believe that many people will receive enthusiastic text messages or even phone calls from banks after using credit cards to remind users that they can use the installment repayment service. The reason given by the bank is that staging has many advantages, such as extending the repayment period of credit cards, reducing short-term financial pressure and avoiding overdue credit cards.
But in fact, banks are also unprofitable and can't afford it long ago. It is obviously unkind to suggest users to choose installment repayment. So what are the benefits of credit card installment repayment for banks? It's actually quite simple. Users' installment repayment can bring benefits to the bank. If they repay in full before the final repayment date, the bank will not earn a dime from the users.
Interest refers to the reward that the currency holder (creditor) gets from the borrower (debtor) for lending money or monetary capital. Including deposit interest, loan interest and interest generated by various bonds. Under the capitalist system, the source of interest is the surplus value created by hired workers. The essence of interest is a special transformation form of surplus value and a part of profit.
Definition:
1. Money other than the principal of deposits and loans (different from "principal").
2. The abstract interest point refers to the value added when monetary funds are injected into the real economy and returned. Generally speaking, interest refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for using the borrowed currency or capital. Also known as the symmetry of sub-fund and parent fund (principal). The calculation formula of interest is: interest = principal × interest rate × deposit period (i.e. time).
Interest is the reward that the fund owner gets for lending the fund, which comes from a part of the profits that the producer makes by using the fund to play its operational functions. Refers to the value-added amount brought by monetary funds injected into the real economy and returned. The calculation formula is: interest = principal × interest rate × deposit period × 100%.
3. Classification of bank interest
According to the different nature of banking business, it can be divided into bank interest receivable and bank interest payable.
Credit card installment fee
The following is a list of credit card installment fee rates in some banks.
China bank credit card installment fee: generally 600 installments, three installments 15% (one-time charge);
2. ICBC credit card installment fee: 3 installments free of charge, 6 installments one-time charge);
3. ABC credit card installment fee: charged monthly);
4. Installment fee for CCB credit card: the third installment and 12 installment are charged every month);
5. Credit card installment fee of CITIC Bank: 12 installment fee is charged monthly);
6. Pufa Credit Card installment fee: the third installment will be charged monthly);
7. China Merchants Bank credit card installment fee: the third installment is charged monthly);
8. Bank of Communications credit card installment fee: charged monthly);
9. Installment fee of Guangfa Credit Card: 6 installments and 12 installments are charged every month);
10. installment fee of everbright credit card: apply for installment repayment before consumption, 12 month installment. There are three, six, nine and 12 monthly receipts, and the handling fees are 2%, 4%, 5% and 6% respectively (one-time receipt).
To sum up, ICBC and BOC charge fees in one lump sum, while other banks share the fees in each period. There are also differences in the treatment of staging time. Some banks, such as Shanghai Pudong Development Bank, China Construction Bank and China Everbright Bank, charge lower fees and take longer.
How to charge for credit card bills in installments?
China Bank's credit card bill installment interest is "installment payment, monthly bill repayment".
Interest calculation by installment: 0.65% for the 3rd installment, 0.6% for the 6th installment, 0.6% for the 9th installment, 0.6% for the 12 installment, 0.65% for the 18 installment and 0.625% for the 24th installment.
Interest is charged according to the interest rate shown at the time of actual handling.
The above contents are for your reference. Please refer to the actual business regulations.
How much is the credit card installment?
Staging is mainly to collect fees, and the fees of each bank are different, so you need to know the fee rate before calculating. For example, if it is divided into 12 stages, the rate of one stage is 0.6%:
Installment principal =30000/ 12=2500 yuan.
Handling fee for each period = 300,000.6% =180 yuan,
12 total handling fee =18012 = 2160 yuan,
The repayment amount of each installment =2500 180=2680 yuan.
Handling fee = installment interest rate of installment principal.
After the cardholder successfully handles a single installment, the credit line corresponding to the credit card will be occupied, and the occupied credit line will be gradually restored with the repayment of each installment until the balance of the last installment or all installments is paid off in advance.
The cardholder has successfully processed a single installment amount, so he can't apply for installment again and choose the minimum repayment method to repay. If the cardholder fails to fully repay the remaining bill amount of the current period on time after successful handling, or the amortization amount of any period during the installment period is not fully repaid, it will be deemed as not fully repaid, and interest or late fees will be incurred.
：
First, is the credit card not phased by the wind?
Credit cards do have the possibility of not staging, but it is not necessarily because customers do not meet the staging requirements, such as:
1. The customer fails to handle the installment within the specified time: if the customer handles the installment of the bill, it must be done between the opening of the account and the repayment date. On the repayment date, there is generally no way to apply again; If it is a consumption installment, it is generally necessary to apply after the consumption is recorded and before the bill date, and the application after the sunrise of the bill is the bill installment.
2. The installment amount applied for does not meet the requirements of the issuing bank: banks have requirements on the installment amount of credit cards, and many regulations stipulate that the minimum installment amount cannot be lower than that of 500 yuan, so if the customer's consumption is lower than that of 500 yuan, then the customer cannot apply for installment. Also, for example, the Construction Bank stipulates that the maximum amount of bills in installments shall not exceed 90% of the total consumption in the issued bills, and the customer wants to installment all the bills of the card and cannot handle them.
Second, the best solution for credit card to be controlled by wind:
The user actively contacts the issuing bank and asks why the credit card is controlled by the wind; Then solve the problem under the guidance of customer service; After the problem is solved, the user can apply to restore the normal state of the card; After receiving the application, the issuing bank will re-examine the card, and when the card meets the conditions for releasing risk control, the card will be released from risk control status. Therefore, after credit card risk control, users should take the initiative to contact the bank instead of waiting for the bank to automatically cancel the risk control.
How to calculate the installment fee of credit card in China Bank?
The maximum fee standard for installment consumption of China Bank Tesco is: 0.65% for the third installment, 0.60% for the sixth installment, 0.60% for the ninth installment, 0.60% for 12 installment, 0.65% for 18 installment and 0.65% for the 24th installment, for example, 1000 yuan. Because each region will also carry out preferential activities of handling fee rate according to market conditions, the specific handling fee will be subject to the display at the time of business handling.
The above contents are for your reference. Please refer to the actual business regulations.
So much for the introduction of credit card installment fee.