Many netizens leave messages asking how long is the credit card decoration loan term of CCB? In fact, the credit card decoration loan of CCB, that is, the credit card decoration by stages, will tell you how long its term is generally.

How long is the credit card decoration loan period of CCB?

CCB's credit card decoration loan is installment, with zero interest. Applicants can choose to pay in installments of 6, 12, 18, 24, 36 and 48 according to their own needs, and the handling fee will be charged in one lump sum or in installments, but the handling fee rates of different branches and different installments will be slightly different.

Among them, six, 12, 18, 24, 36 and 48 are 1 month, which means that the credit card renovation of CCB can be divided into six months to four years. Dear friends, you can decide how long to pay off according to the installment amount.

For example, Ms. Zhang used a credit card to decorate in stages at CCB, with a total amount of 60,000 and a monthly salary of 8,000. According to the actual situation, she chose to divide it into 12 stages. In other words, Ms. Zhang's monthly principal is 5,000 yuan, plus the installment fee.

The above is the loan term for credit card decoration of CCB, and I hope it has certain reference value for your friends.

, you can handle all kinds of credit cards quickly and safely.

How long is the installment payment period of CCB credit card to buy a car?

It is not uncommon to buy a car by installment with a credit card. It has also begun to rise in recent years. Then, do you know how long the installment period of CCB's credit card car purchase is generally? I will give you a detailed introduction today for your reference.

How long is the installment payment period of CCB credit card to buy a car?

Generally, the credit card purchase stages of CCB can be divided into 12, 18, 24, 36 and 48, and the down payment ratio is generally 30%, 40% and 50%, which actually fluctuates slightly according to the vehicle type.

How to charge the installment fee for buying a car with CCB credit card?

The discount offered by CCB and the cooperative automobile manufacturers is far lower than the auto loan interest rate in the same period, and the best service fee is 0. It's still very cost-effective if you catch up with the preferential activities. If there is no activity, the charge is as follows.

1, one-time fee.

Handling fee amount = actual installment amount × cardholder handling fee rate, and the handling fee will be recorded in one lump sum on the first billing day after the transaction is completed, and the full amount will be recorded in the minimum repayment amount of the credit card.

2. Installment charges

Handling fee payable for each installment = actual installment amount × cardholder's monthly rate. According to the number of transaction periods, it is recorded monthly from the first billing date after the transaction is completed, and the full amount is included in the minimum repayment amount of the credit card.

The above is an introduction to the time limit for buying a car by credit card of CCB, and I hope it will be useful to friends in need. Introduction,

, you can handle all kinds of credit cards quickly and safely.

How much is the interest on installment payment of CCB credit card?

CCB's credit card does not charge installment interest, but only charges a handling fee.

CCB's credit card bills are generally divided into three periods, six periods, nine periods, 12 periods, 18 periods and 24 periods. According to the number of installments, the handling fee rate is different, and the average rate per installment is generally 0.6% to 0.8%. For example, if the installment amount is 1.200 yuan, and the repayment is made in 12 installments, and the handling fee rate is 0.6% per month, then the actual monthly repayment amount is: 1.200 yuan * 0.6% = 1.007.2 yuan.

The number of periods is divided into three periods, six periods, 12 period, 18 period and 24 periods.

The monthly handling fee rate is 0.75% 0.70% 0.60% 0.60% 0.62%.

Monthly handling fee = total installment amount * handling fee rate. After installment, each billing date will be recorded and collected on schedule, otherwise it will be counted as a bad record in the credit information system even if it is overdue.

Extended data

If the user can repay within the specified repayment date after spending by credit card, there is no need to pay interest, but if the repayment operation is not carried out on the specified date, the interest will be calculated at the daily interest rate of 0.05% from the date of consumption, and CCB will regard the credit card user as overdue, which will affect personal credit.

If the repayment cannot be made in full within the specified time limit, CCB credit card users can apply for installment repayment, which does not require interest, but will charge a certain handling fee according to the number of installments. If the single consumption exceeds 1000 yuan, you can apply for three periods, namely, three periods, six periods and 12 periods, and the corresponding handling fees are 0.7% 0.6% 0.6% respectively.

The billing dates provided by China Construction Bank are 13, which are 2, 5, 7, 10, 12, 15, 17, 19, 22 and 23 respectively.

The bill of China Construction Bank can be revised. Everyone has a chance to revise the bill once a year. For example, the bill statement of a credit card user is 25th, and the repayment date is15th every month. However, since the monthly pay date of a credit card user is 20th of each month, the user can apply to China Construction Bank to change the bill statement to 2nd of each month, so the repayment date is 22nd of each month.

How to borrow CCB's credit loan by stages? Can China Construction Bank be divided into 36 phases?

When it comes to bank credit loans, many borrowers will think of China Construction Bank's credit installment loans. Among the numerous online small loan products of banks, CCB has always had a large number of installment loan audience users and has a very good reputation. How to borrow CCB's credit loan by stages? Can China Construction Bank be divided into 36 phases? Let's get to know each other!

How to borrow CCB's credit loan by stages?

If you want to apply for an installment credit loan, the borrower must first meet the basic loan conditions: a natural person aged 20-55 with full civil capacity; Have a fixed residence; Have a stable and legitimate source of income and the ability to repay the loan principal and interest on schedule; It has a good reputation in the personal credit information system of the People's Bank of China and has no bad credit record; Personal housing loan/provident fund loan quality customers.

After meeting the basic conditions of installment loan of CCB credit loan, the borrower can apply directly to the bank or directly online according to the installment loan products he wants to apply for. For example, for the quick loan of CCB, the borrower can directly log in to the mobile banking, select "personal loan" and click "I want quick loan" to handle it directly.

Generally speaking, if you want to apply for a larger loan product in the installment loan of CCB, it is best for the borrower to have certain business dealings with CCB. For example, CCB has wealth management products and insurance, and it can also handle credit cards at CCB.

Can China Construction Bank be divided into 36 phases?

Yes, the longest installment period of CCB's installment loan is 5 years, which is 60 installments. Different loan products can be divided into different stages, such as CCB Express Loan, with a maximum of 36 stages. When choosing the installment time, the borrower can choose according to his own actual situation.

The above is the sharing of "How to borrow credit loans by installment through China Construction Bank", and I hope it will help everyone!