Which bank has the three-year interest-free policy for a teacher loan of RMB 150,000?
Agricultural Bank of China, Agricultural Bank of China teacher e-loan is a pure credit consumer loan customized for teachers and staff, with an amount of up to RMB 50 Ten thousand yuan, with a term of up to 5 years, and the repayment method is optional with monthly interest payments upon maturity.
Which bank credit cards offer interest-free installment payments?
Basically, credit cards offer interest-free installments, but if there is a handling fee, you can ask the credit card customer service. In fact, it is said to be interest-free, but it still charges money, which is just a handling fee. The handling fees of China Everbright, ICBC (discounted), CCB and Bank of China are relatively low, and those of Bank of Communications are higher. You can call customer service for consultation. Sometimes when banks hold events, the handling fees will be discounted.
Extended information:
Instalment handling fee of each bank:
1. ICBC credit card installment handling fee: 3 installments free of charge, 6 installments 1.8, 9 Period 2.7, 12 periods 3.6, 18 periods 5.85, 24 periods 15.6. (one-time charge)
2. Agricultural Bank of China credit card installment fee: 0.6 per month (charged every month).
3. Bank of China credit card installment fee: 1.95 for 3 periods, 3.6 for 6 periods, 5.4 for 9 periods, 7.5 for 12 periods, 11.7 for 18 periods, 15 for 24 periods (one-time charge)
4. CCB credit card installment fee: 0.7 for 3 periods, 0.6 for 6 and 12 periods (charged every month).
5. CITIC Bank credit card installment fee: 1.50 for 1 period, 0.826 for 3 periods, 0.82 for 3 periods, 0.77 for 12 periods (charged every month).
6. Pudong Development Bank credit card installment fee: 0.72 for 3 periods, 0.7 for 6 periods, 0.66 for 12 periods (charged every month)
7. China Merchants Bank credit card installment fee: 1.0 for 2 periods , 0.9 for 3 periods, 0.75 for 6 periods, 0.7 for 10 periods, 0.66 for 12 periods, 0.68 for 18 periods, 0.68 for 24 periods (charged every month).
8. Bank of Communications credit card installment fee: 0.72 per month (charged every month).
9. Guangfa Credit Card installment fee: 0.65 for 6th and 12th periods, 0.7 for 18th period, and 0.72 for 24th period (charged every month).
There are two methods of credit card installment:
1. Single consumption installment. Generally, you can apply for installment payment if you spend 600-1,000 yuan in a single transaction. The standards stipulated by each bank are slightly different. Different, you can call the bank customer service number to apply for installment from the next day of consumption to 3 days before the bill date. It can be divided into 3, 6, 9, 12, 18, and 24 installments. The installment fee is about 0.6 per installment;
2. For bill installment, just call the bank customer service number to apply for installment after the bill is issued and 3 days before the repayment date. The installment handling fee is the same as for a single installment.
Credit cards are for the convenience of customers and consumption, so they must be repaid on time to avoid overdue payments. Overdue credit reports will affect personal credit.
Which bank is the 500,000 three-year interest-free loan from?
The 500,000 three-year interest-free loan is from China Construction Bank. According to the query of relevant information, you can apply for a loan limit of up to 500,000 yuan for a CCB decoration loan and enjoy a three-year interest-free loan.
Which bank loan has low interest rate and is regular?
The bank loan with low interest rate and regular rate:
1. Industrial and Commercial Finance e-loan
State-owned ICBC, one of the four major banks, has launched this financial e-loan with very low interest rates. Many people have an annualized interest rate of less than 5% and can borrow for up to 2 years. Borrowers who meet the conditions can use mobile banking to Apply through self-service channels.
2. China Merchants Bank Flash Loan
China Merchants Bank launches a large-amount low-interest unsecured credit loan with a minimum daily interest rate of 0.018. The borrower holds a China Merchants Bank all-in-one savings card and is over 23 years old. You can apply if you are ~60 years old, have stable repayment ability, and have good credit.
3. CITIC Second Loan
If the borrower is a payroll customer, a provident fund deposit customer, or a mortgage customer of CITIC Bank, you can apply for this loan that does not require a mortgage guarantee. Xinmiaodai has an annualized interest rate as low as 4.35 to 15.68, which is determined by the bank based on the user's credit score and system risk.
4. Pudong Development Bank
An online self-service personal credit loan launched by Shanghai Pudong Development Bank for qualified customers. The loan interest rate is between 3.6-10, and the loan period is Maximum 5 years. The borrower is over 20 years old, has a stable job income, has good credit, and has paid provident fund normally for more than 6 months. You can try to apply.
5. Quick loan from China Construction Bank
The interest rate of this quick loan is low, and the interest rate is generally around 4.5. And the credit limit is high. As long as you purchase financial products from China Construction Bank, you have a higher chance of obtaining the credit limit through approval. Log in to China Construction Bank’s mobile banking and click Quick Loan to apply. It's also very convenient.
Are there any bank loans that do not require interest?
Yes.
An interest-free loan is a form of credit activity in which banks or other financial institutions issue monetary funds at a certain interest rate and must be repaid. The interest rate is charged free of charge by the bank according to agreed conditions, or paid by the government or corresponding institutions. We all know that an interest-free loan is a loan given to you by the bank. You do not need to pay any interest, you only need to repay the principal. So, how can you get a loan without paying a penny in interest? What are the common interest-free loans provided by banks?
1. Student loans
Students from the place of origin The loans are targeted at children from poor families who are eager to study. While the students are in college, interest is not paid on student loans (except for commercial student loans). After graduation, the borrower will pay loan interest at the basic interest rate in September of the year of graduation.
2. Policy loan, a solution to the curve
Anyone who buys insurance can apply for a loan through the policy, and then pay the transfer from the insurance company through a credit card. You can obtain funds from the insurance company. You can also use the interest-free period of your credit card to make interest-free purchases. This is the safest way and pays almost no interest.
3. Entrepreneurship Loans
Entrepreneurship loans refer to individuals who have certain production and operation capabilities or are engaged in production and operation, and are issued after the bank approves and effectively guarantees their application for entrepreneurship or the funds needed to start a business. special loan.
For Huabai, JD.com IOU, Meituan monthly payment and other products, if you choose to return the consumption amount in full when repaying, you can enjoy interest-free discounts. For users who apply for a cash loan, the loan funds can be withdrawn to a bank card. At this time, the loan is not interest-free, and the user must repay the interest according to the page display. If users want to apply for interest-free loans, they can try to open products such as Huabei, IOU, and Meituan Monthly Payment. However, if they need a cash loan, there is no interest-free cash loan.
Information expansion
Interest-free loans, that is, government fiscal discount loans, refer to qualified borrowers who go to designated banks to apply for loans without paying interest and only need to repay the principal of the loan. The interest on these loans is paid by local government finance.