How much is the interest on a credit card loan of RMB 100,000 per year?
The annual interest rate of a credit card is generally around 18, while the annual interest rate of a credit card loan needs to be determined by the bank on the cardholder. The decision can only be made after a comprehensive evaluation. In most cases, it fluctuates between 15-20. If a borrower applies for a credit card loan of 100,000 yuan, then calculated, the one-year loan interest is approximately between 1,500 yuan and 2,000 yuan.
How much is the interest on CCB credit card installment payment?
The CCB credit card installment does not charge interest, but only charges handling fees.
CCB credit card bill installments generally include 3, 6, 9, 12, 18 and 24 installments. Depending on the number of installments, the handling rates charged are also different. The average fee per installment is generally between 0.6 and 0.6. 0.8. For example, if the installment amount is 1,200 yuan and you choose to repay it in 12 installments, the handling fee rate is 0.6 per month, so the actual monthly repayment amount is: 100 yuan, 1,200 yuan, 0.6 = 107.2 yuan.
The number of periods is divided into: 3 periods, 6 periods, 12 periods, 18 periods and 24 periods
The monthly handling rate comparison is: 0.750.700.600.600.62
The monthly handling fee = the total installment amount. The handling fee will be recorded and collected on each billing date after the installment. Otherwise, it will be considered overdue and will be included in the credit reporting system as a bad record.
Extended information
If the user can repay within the specified repayment date after swiping the card with a credit card, there is no need to pay interest. However, if the user does not make the repayment by the specified date, , then interest will be calculated at a daily interest rate of 0.05 from the date of consumption, and China Construction Bank will treat the credit card user as overdue, which will affect personal credit.
If the full repayment cannot be made within the specified period, CCB credit card users can apply for installment repayment. There is no need to pay interest for installment repayment, but a certain handling fee will be charged according to the number of installments. Single consumption For amounts above 1,000 yuan, you can apply for installments of 3, 6, and 12 periods, and the corresponding handling fees are 0.70.60.6 respectively.
China Construction Bank provides you with 13 billing dates. These 13 billing dates are 2, 5, 7, 10, 12, 15, 17, 19, 22, 23, 24, and 25. , 26th and 27th, 20 days after the bill date is the repayment date of China Construction Bank. For example, a credit card holder's bill date is the 7th of each month, then the repayment date is the 27th of each month.
You can apply to modify the billing date of China Construction Bank. Everyone has the opportunity to modify the billing date once a year. For example, the billing date of a credit card user is the 25th, and the repayment date is the 15th of each month. However, due to If a credit card user's monthly salary payment date is the 20th of each month, the user can apply to China Construction Bank to change the billing date to the 2nd of each month, so that the repayment date will be the 22nd of each month.