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What are the handling fees for China Merchants Bank’s credit card car loans?

1. What are the handling fees for China Merchants Bank’s credit card car loans?

Case: Mr. Li wanted to apply for a car purchase by applying for a credit card installment payment method, which has been well received by car buyers and has been used well by credit card customers. Loan methods such as overdue or arrears records can also be approved. Case study: Mr. Li holds a China Merchants Bank credit card. Currently, China Merchants Bank offers a credit card car loan business. Car Purchase Service. China Merchants Bank Car Purchase Service must hold a fixed credit limit from the bank. Banks need to pay a fixed handling fee when charging loan interest. Banks generally make a one-time deduction. China Merchants Bank Credit Card Installment Car Loan Amount is between 30,000 and 200,000. The handling fee is generally determined by the loan term and loan model. The handling fee charged during the 1-year loan period is approximately The handling fee charged for the two-year loan period is between 2% and 5.5%, and the handling fee for the two-year loan period is between 6.5% and 7%

2. How to charge the handling fee for China Merchants Bank's car loan? You need to know this!

As the consumption level of Chinese residents continues to improve, cars have become a very common household asset. However, many friends will choose to buy a car through a loan. Someone asked about China Merchants Bank’s car loan handling fees. Today I will introduce you to the specific information.

China Merchants Bank generally does not charge handling fees for personal car loans, but only charges your loan interest. However, you may need to pay a certain fee when handling vehicle mortgage and other procedures. In addition, if you choose to pay off your car loan early, you may incur loan default penalties. If you apply for a second-hand car loan through China Merchants Bank, you may pay some car value appraisal fees. Although China Merchants Bank personal car loans will not charge you handling fees, China Merchants Bank credit card car installment loans will charge handling fees. Let me introduce to you the relevant situation of China Merchants Bank’s credit card car installment loan. How to apply for China Merchants Bank car loan? Try it both ways! How long does it take to get a CMB car loan? This is the approximate time! Under normal circumstances, China Merchants Bank's credit card car installment loan will not charge you loan interest, but will charge a handling fee. The formula for calculating the installment handling fee is: Installment handling fee = Installment amount × Installment handling rate (the handling fee will be charged monthly based on the number of your installments). China Merchants Bank credit card car installment loans often have some preferential activities. If you are willing to purchase designated models of designated brands, you will have the opportunity to enjoy a 0-rate discount. In general, regardless of whether China Merchants Bank car loans charge handling fees, the cost of your loan will not be very high.

3. Is it reasonable for banks to charge monthly handling fees for installment car purchases?

1. Calculation of installment car purchase handling fees Each bank charges different handling fees. For specific circumstances, China Merchants Bank is used as an example. The installment handling fee for car purchases with China Merchants Bank's credit card is charged in installments, specifically calculated according to the formula "handling fee per installment = total installment amount and installment handling rate". Among them, the "installment handling rate" standard is: currently, the handling rate for general models is 5.5% for 12 installments, 10.5% for 24 installments, and 14.5% for 36 installments. However, the installment handling rate standards are different for different models. In addition, if you use a China Merchants Bank credit card to buy a car in installments, the down payment must be at least 30%-50%.

2. Bank handling fees Credit card installment car purchase is a credit card installment business launched by banking institutions. The credit limit that cardholders can apply for is 20,000-200,000, depending on the situation of some banks; there are three types of installments: 12 months, 24 months, and 36 months; there is no loan interest rate for credit installment car purchases, and banks only charge formalities Fees, the handling rates for different installments are different. Except for China Merchants Bank and Bank of Ningbo, which clearly stipulate the number of installments and handling rates, the number of installments and handling fees, interest rates and other charges for other banks' installment car purchase business need to be determined according to the car model. For example, Agricultural Bank of China’s 12th period is 3.6%, the 24th period is 7.5%, and the 36th period is 11%~12%. The handling fee can be paid in installments. If you apply for 12 installments with an amount of 100,000 (payment fee in installments), the monthly repayment is: 100,000 (13.6%)/12=

8634, of which the principal repayment amount

8334, the handling fee is 300.

When buying a car, it is better to pay as much as possible

4. What are the handling fees for China Merchants Bank’s credit card car loans?

Case study Mr. Li wants to apply for 80,000 yuan by applying for credit card installment payment Yuan Auto Loan is currently a loan method that is really popular among car buyers. Credit card car loan pays attention to the credit status of the card holder. Credit card customers with good usage status and overdue or arrears records can also be approved. The case of Mr. Li held by China Merchants Bank Credit Card Currently, China Merchants Bank offers a credit card car loan business. Car Purchase Service. China Merchants Bank Car Purchase Service requires holding the bank's credit card for a certain period of time and having a certain credit limit. There are various loan methods. The bank charges loan interest and pays a fixed handling fee. Banks generally conduct one-time transactions. After deducting the China Merchants Bank credit card installment car loan amount between 30,000 and 200,000, the handling fee is generally determined by the loan term and the loan model. The handling fee charged during the 1-year loan period is approximately 2%-5.5%. The handling fee charged during the 2-year loan period The fee is between 6.5%-7%