The publicity can give you 3,/36 = the principal of each installment. If the handling fee he gave you is 8 Li, it will be 3, * .8 = the interest of each installment. The interest will not decrease with the reduction of the amount, but it will be calculated as 3, yuan. In fact, to put it bluntly, it means to withdraw the money from the credit card and ask you to pay back the interest. In that case, you might as well use the Pudong Development Credit Card in installments. I borrowed 3, yuan to pay the last interest in 36 installments. < P > The loan principal: 3, yuan, the monthly interest rate: 1.%, the loan life: 36 months. The monthly repayment amount by the equal principal and interest method is: 996.43 yuan, and the total repayment amount is: What's the interest of 36 installments with a commission of 325, yuan for Pudong Development Credit Card < P > Credit card interest: 1. If the credit card fails to repay the bill in full on time, it will not enjoy the interest-free period. Each consumption amount in the last statement is the interest-bearing principal, and the interest-bearing days are from the bookkeeping date of the account to the repayment date of the account, and the daily interest rate is five ten thousandths (full repayment is made in time according to the bill, and credit card consumption is interest-free). 2. For cash advance transactions with credit cards, interest will be charged at a daily rate of .5 ‰ from the date of cash advance to the date of settlement, and compound interest will be charged on a monthly basis, and a certain amount of cash advance fee will be charged according to the credit card charging standard of China Merchants Bank. How long will it take to repay the loan after the Pudong Development Credit Card is swiped? How much is the interest and how to repay it?

According to the unified regulations of the People's Bank of China, Shanghai Pudong Development Bank charges a daily interest rate of .5 ‰, with compound interest on a monthly basis. (Interest is not calculated during the interest-free period)

Shanghai Pudong Development Bank adopts the revolving credit interest calculation method.

revolving credit: revolving credit is a small, unsecured loan with daily interest. According to your own financial situation, you can decide the repayment amount by yourself every month before the due date of the current credit card bill. When the repayment amount is equal to or higher than the minimum repayment amount of the current bill, but lower than the repayment amount of the current period, the remaining deferred repayment amount is the revolving credit balance. Revolving credit is a very convenient loan tool, which not only allows you to enjoy the convenience of swiping your card, but also is a good choice for you to manage your finances easily. If you choose to use revolving credit, you can't enjoy the interest-free repayment period in the current period.

interest calculation of revolving credit: each consumption amount of the last statement is the interest-bearing principal, and the interest-bearing days are from the bookkeeping date to the repayment date of the account, and the daily interest rate is five ten thousandths. The interest of revolving credit will be listed in the next bill.

For example:

● Mr. Zhang's billing date is the 1th of each month

● The current bill printed by the bank for Mr. Zhang on April 1th includes all his transaction accounts from March 11th to April 1th

● Mr. Zhang has only one consumption in this month's billing cycle-March 3th, and the consumption amount is RMB 1 yuan;

● Mr. Zhang's current bill is printed with "payable amount in this period" as RMB 1 yuan and "minimum repayment amount" as 1 yuan;

● Under different repayment conditions, Mr. Zhang's cyclic interest is as follows:

(1) If Mr. Zhang repaid 1 yuan in full before May 5, the cyclic interest in the statement on May 1 = yuan

(2) If Mr. Zhang repaid only the minimum repayment amount 1 yuan before May 5, 1 yuan repaid it on May 1, Then the circulating interest on the statement on May 1th is =2.5 yuan

. The specific calculation is as follows: 1 yuan X .5% X 32 days (March 3th-April 3th)+(1 yuan -1 yuan) X .5% X 1 days (May 1st-May 1th) = 2.5 yuan. How much is the monthly interest of the universal fund of Pudong Development Credit Card for 1, points and 36 installments, and how much is the equivalent principal and interest per month?

equal principal and interest method: the loan principal is 1, yuan, the annual interest rate is 15.%, and the number of years is 3; Monthly repayment: 3,466.53, total principal and interest payable: 124,795.8, total interest payable: 24,795.8

The interest is 98 per month, and the monthly repayment is 3,758. How to apply for universal cash for Pudong Development Bank Credit Card

The "universal cash installment business" is an installment service provided by the Credit Card Center of Shanghai Pudong Development Bank for eligible credit card holders. Cardholders can withdraw cash within the cash advance limit of their credit cards, and repay the principal in installments. At the same time, cardholders need to pay a certain installment fee. The application method is to call the credit card customer service hotline of Shanghai Pudong Development Bank to apply directly. You can also bind the official WeChat account of Pudong Credit Card Center, click "I want universal money", and follow the instructions to apply for it, so you can enjoy your fingertips.

Credit card holders of Shanghai Pudong Development Bank can also enjoy many conveniences by handling universal cash installment business.

first of all, compared with cash withdrawal by credit card, Pudong Development Credit Card Universal Fund has no cash withdrawal fee, and normal repayment on schedule will not bear interest on a daily basis, and the amount is independent, which will not affect the consumption amount.

Secondly, compared with the bank's micro-loan business, the application procedure of Pudong Development Credit Card Universal Fund is simple and quick, and customers do not need to provide mortgage, identity certificate, income certificate and other complicated application materials, and can go to the debit card account within 3 working days. What's the interest rate of 36 installments of 5, cents for Pudong Development Credit Card Universal Fund?

the interest for three years is:

5,× .79 %× 36 = 14,22 yuan. This interest rate is relatively low. The monthly interest =395 yuan

but the principal should also be 5/36=1388.89 yuan per month. Pufa credit card has a universal payment of 2, yuan for 12 installments. What is the interest in January?

2,× rate = monthly interest.

Even if the same bank has the same number of installments, different consumer products will have different rates. What happened when Pufa credit card said that it had a payment of 3 million yuan?

The interest on this universal payment is relatively high. Please be careful before using it. Need to use the credit card to call customer service application.