After the first installment should be returned, each installment should be returned to 167 yuan.

Calculated according to the installment fee of 0.8%. After deducting the total handling fee of 40,000.8% in the first installment, 24 = 7,000 divided by 24= 167 yuan, the prepayment handling fee will not be refunded.

Extended data:

Compared with other state-owned banks, the threshold for applying for loans is relatively low, so many people want to apply for personal loans from ABC. However, when handling loans, you need to choose the repayment method. There are many ways to repay personal loans of ABC.

There are several repayment methods for personal loans of Agricultural Bank of China: repayment of principal and interest, regular interest settlement, matching principal and interest, average capital decreasing method, matching incremental method, matching incremental method and matching principal and interest repayment method respectively.

Here is a brief introduction to various repayment methods and applicable people.

1, settlement method of beneficiary principal:

It means paying the principal and interest on a monthly basis, but paying the principal and interest in one lump sum after the loan expires.

The general loan term is 1 year (including 1 repayment method).

2. Conventional knot

It means that the borrower can choose to pay interest monthly, quarterly (March, June, September, 65438+February), semi-annual (June, 65438+February) and annual (65438+February), and repay the principal at maturity. The time for regular interest payment is the 20th of each month or the end of the month (quarterly, semi-annual and annual).

It is also applicable to personal loans with a loan term of 1 year (inclusive).

3. Equal principal and interest method:

Refers to the repayment method of repaying the loan principal and interest in equal amount every month during the loan period, which is characterized by one of the repayment methods of monthly repayment.

4. Equal cost decreasing method;

Refers to the repayment method that decreases month by month with the principal within the loan term.

Because the principal repaid in each installment is the same, and the repayment amount in the early stage is relatively large, it is more suitable for borrowers who have strong repayment ability in the early stage of repayment and want to repay a relatively large amount in the early stage of repayment to reduce interest expenses.

5, equal decline method:

It refers to the repayment method in which the repayment amount of each installment has a fixed increase in the later period of the loan term and the repayment amount of each installment is equal in the same period.

This method has a short working life and an upward trend in income.

6, equal proportion increasing method:

It means that the repayment amount of each installment in the later period of the loan period increases in a fixed proportion to the repayment amount of each installment in the earlier period, and the payment method is the same.

This repayment method is suitable for young people with less upward repayment pressure in the early stage.

7. Repayment of principal and interest respectively:

It refers to a repayment method in which the borrower repays the loan in installments and repays the principal and interest respectively according to their respective cycles (months and quarters). The repayment period of principal is different from that of interest, and the repayment date is the same. The principal repaid in each installment is evenly distributed according to the repayment cycle of the principal, and the interest repaid in each installment is calculated by installments according to the remaining loan principal occupation time at different points in the repayment cycle.

Applicable to individual housing loans (including individual commercial housing loans), except individual housing revolving loans.

Two, Agricultural Bank credit card 4000 points 24 repayment amount.

Yes The minimum repayment amount of Agricultural Bank credit card is 65438+ 00% of the minimum amount owed. No minimum repayment is required, and the minimum repayment of the current bill will be displayed on the monthly bill.

The minimum repayment amount means that when the cardholder cannot repay all the payables before the due repayment date (inclusive), he can make repayment according to the minimum repayment amount stipulated by the issuing bank.

It should be noted that the minimum repayment amount is charged with cyclic interest.

The calculation method is: "consumption within the credit line 10%, cash advance transaction 100%, the minimum amount not paid in the previous period 100%, which exceeds the expenses and interest consumed within the credit line 100%".

For example, suppose a credit card holder has no arrears in the early stage, the billing date of each month is 25th, and the repayment due date of the next month is 13. It spent a total of 15000 yuan on February 00, 65438. Therefore, in the statement of February 25, 65438, the cardholder's "payable amount in this period" was 15000 yuan, and the "minimum repayment amount" was 1500 yuan. If the cardholder is temporarily unable to pay15,000 yuan for repayment, he decides to use the minimum repayment method to help himself by stages, and make repayment according to the minimum repayment amount 1500 yuan on June 65438+June 654381March 3. Then, according to the current minimum repayment interest method of the bank (market area), the cardholder's circulating interest in the statement of 65438+1October 25th is: 15000 yuan ×0.05%×34 days (from 65438+February 10 to 65438+. This 336 yuan is the interest that the cardholder needs to repay this month. If the cardholder still uses the minimum repayment method for installment next month, then this 336 yuan will also be included in the principal for cyclic calculation. In other words, if the cardholder chooses the minimum repayment amount, he will no longer enjoy the interest-free period of 20~50 days, and he will have to bear the daily interest of 0.5 ‰ and repay with compound interest on a monthly basis.

Is the 24-phase CCB with 3.4000 points still worth 4000 per month?

Hello, first of all, 02 1 and 400 are the same phone number, so there is no difference.

Secondly, the handling fee for 12 installment consumption is six thousandths of a month, so the amount to be repaid each month is: 4000/ 1224=357.33 yuan. Thirdly, the quota is all occupied by installments, and the early termination of installments will not reduce the handling fee. Finally, if no one answers the phone for too long, you can go through the staging by online or SMS.

4. If you borrow 4,000 yuan from the Agricultural Bank credit card and pay it back in 24 installments, how much will it be each month?

If it is in cash installments, each installment will be 4000/24, and the first installment will be added with handling fee. How much is the handling fee? Ask ABC's customer service