When a transaction is refunded, both full refund and partial refund procedures are refunds. Full refund will refund the full handling fee and partial refund will refund part of the handling fee. Different banks have different refund rules, and the bank shall prevail:

1, Ping An, Xingye, Investment Promotion

1) Full refund: cancellation in stages, full refund of handling fee, which will be added to the user's bill;

2) Partial refund: When refunding, the bank cancels the original installment and re-initiates an installment transaction with the remaining amount, with the same number of installments; Recalculate the installment repayment amount: (total installment amount-refund amount-paid amount)/total installment number.

Note: The money returned by Ping An and China Merchants Bank in installments will be returned to users by transfer (that is, this amount will be added to the bill).

Example:

Principal 1000, handling fee 200, divided into three installments.

Full refund: refund 1200, user's bill plus 1200 yuan, cancelled by stages.

2. Agricultural Bank of China

1) full refund: cancellation in stages, full refund of handling fees, which will be added to the user's bill;

2) Partial refund: the installment will not be cancelled, and the partial refund will be returned to the user by transfer, with the repayment amount and installment number unchanged.

Example:

Principal 1000, handling fee 200, divided into three installments.

Full refund: 1, 200, user bill plus 1, 200, no installment cancellation, 1, 200 divided into three installments, and each installment is still 400.

Partial refund: 400 yuan, the user's bill plus 400 yuan will not be cancelled in installments. 1200 yuan is divided into three installments, and each installment is also 400 yuan.

3. Everbright, Guangfa, Minsheng and Bank of China

1) Full refund: the installment will not be cancelled, and the full handling fee will be refunded. The full refund will be returned to the user by transfer, and the repayment amount and number of installments will remain unchanged;

2) Partial refund: the installment will not be cancelled, and the partial refund will be returned to the user by transfer, with the repayment amount and installment number unchanged.

Principal 1000, handling fee 200, divided into three installments.

Full refund: 1, 200, user bill plus 1, 200, no installment cancellation, 1, 200 divided into three installments, and each installment is still 400.

Partial refund: 400 yuan, the user's bill plus 400 yuan will not be cancelled in installments. 1200 yuan is divided into three installments, and each installment is also 400 yuan.

4. Polyunsaturated fatty acids

Apply for a refund within 3 months (inclusive) from the successful installment payment.

1) full refund: cancellation in stages, full refund of handling fees, which will be added to the user's bill;

2) Partial refund: When refunding, the bank cancels the original installment and re-initiates an installment transaction with the remaining amount, with the same number of installments; Recalculate the installment repayment amount: (total installment amount-refund amount-paid amount)/total installment number.

Example:

Principal 1000, handling fee 200, divided into three installments.

Full refund: refund 1200, user's bill plus 1200 yuan, cancelled by stages.

Apply for a refund after more than 3 months

The handling fee is non-refundable and the installment is not cancelled. The remaining unpaid amount will be repaid in the remaining installments.

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1) Full refund: cancellation in stages, full refund of handling fee, which will be added to the user's bill;

2) Partial refund:

A. If the refund amount is less than the unpaid amount and the transaction amount of the refund amount is 10%, part of the refund will be returned to the user through transfer. At the time of refund, the bank will cancel the original installment and start a new installment transaction with the remaining amount, with the same number of installments.

Example:

Take the installment payment of 1200 yuan and 12 as an example, without considering the handling fee. The cardholder repays 2 installments with the repayment amount of 200 yuan, and proposes a refund of 300 yuan.

Because 300 yuan is 120 yuan (10% 1200), it will be refunded according to the situation.

Recalculate the installment repayment amount: (total installment amount-refund amount-paid amount)/total installment number.

B, the refund amount is less than 65438+ 00% of the transaction amount: installment is not cancelled, and part of the refund is returned to the user by transfer, with the repayment amount and installment times unchanged.

6. China International Trust and Investment Corporation

1) Full refund: the handling fee is fully refunded; If the installment payment is cancelled, the amount will be added to the user's bill.

2) Partial refund:

A, the handling fee will be refunded in proportion;

B part of the refund will be returned to the user by transfer (that is, there is an extra sum of money on the bill), and the installment will not be cancelled, and the original repayment amount and the number of installments will remain unchanged.

Example: principal plus handling fee 1200, 400 per period. Divided into three phases, the refund is 600. Add 600 yuan to the bill, 1200 yuan, and continue to repay in three installments of 400 yuan each.