1. How to access the loan calculator of Bank of China Personal Mobile Banking?
Entrance to the "Loan Calculator" function of Bank of China's personal mobile banking: Method 1: Directly enter "Loan Calculator" in the search box at the top of the homepage, and then select "Loan-Loan Calculator" to enter; Method 2: In Click on the homepage - More functions - On the loan function homepage, slide left in the specific function icon area and select "Loan Calculator" to enter. The above content is for your reference, please refer to actual business regulations.
2. How to calculate the Bank of China personal loan calculator?
1. Short-term personal consumption loan
It is a loan within six months (including six months). The interest rate of personal consumption loan is 5.6%. If it exceeds six months, , but within one year (including one year), the loan interest rate is 6%.
2. Medium-term personal consumption loan
If the loan period is more than one year, but within three years (including three years), the personal consumption loan interest rate is 6.15%. For more than three years but within five years (including five years), the interest rate for personal consumption loans is 6.4%.
3. Long-term personal consumption loan
If the personal consumption loan is for more than five years, the loan interest rate is 6.55%.
Personal consumption loan interest rates are generally rising. The rules for personal consumption loans are constantly being updated, and interest rates are also constantly being adjusted.
How to use the personal consumption loan calculator
Nowadays, when many people have large purchases, they will consider applying for a personal consumption loan if they do not come here, and they will consider the loan rate before applying for a loan. Factors such as interest and monthly repayment. At this time, if you use a personal consumer loan calculator, you can easily know the interest and monthly payment.
1. Open the personal consumption loan calculator;
2. Choose the repayment method that suits you, such as equal repayment and monthly increment;
3 , enter your loan principal;
4. Enter your loan term, which must be within 30 years;
5. Enter the annual interest rate of the loan you applied for at that time, such as the Bank of China benchmark Interest rate;
6. Click "Start Calculation" and you will get your monthly principal and interest repayment amount.
Note: To calculate the commercial loan, choose the repayment method of equal principal and equal principal and interest, monthly monthly payment, total interest and total repayment. Short-term loans generally use a one-time repayment of principal and interest or a one-time repayment of principal and interest in installments, so this calculation does not apply.
Personal consumption loan interest rate calculation
There are two methods for calculating interest on consumer personal loans: the equal principal method and the equal principal and interest method.
Equal principal repayment method: The equal principal repayment of a housing mortgage loan means that the lender allocates the principal to each month, and the principal repayment is the same every month, and at the same time, the principal is paid off from the previous transaction day to Interest between the repayment dates. Compared with equal principal and interest, this loan repayment method has a lower total interest expense, but more principal and interest are paid in the early stage, and the repayment burden decreases month by month.
Equal principal and interest method: During the repayment period, the same amount of loan (including principal and interest) is repaid every month.
The specific formula for calculating interest on consumer personal loans is as follows:
Equal principal repayment calculation formula: Equal principal repayment method Repayment amount per period = loan principal ÷ loan period Number (principal - cumulative amount of repaid principal) Monthly interest rate)×number of repayment months]÷[(1-month interest rate)×number of repayment months-1]
3. How to use Bank of China Mobile Banking Jindou?
Can self-check cash and gifts.
How to redeem golden beans:
1. The sharer obtains golden beans and exchanges them for 0.1 grams of accumulated profit (you can use the self-examination as cash). The mobile phone number participating in this activity can log in to Bank of China Mobile Banking, and query and redeem golden beans through "My" - "Gift Card Coupon". The redemption time is from 9:00 to 22:00 every Monday to Friday. New customers need to use a Bank of China debit card (or second-category account) to sign the contract and complete the redemption. Customers should be over 18 years old when signing up for the Accumulation Fund, and their risk rating should not be lower than the prudent type.
2. The maximum number of gifts a sharer can receive is 300 gold beans. The gold beans obtained will be cleared according to the activity cycle, and the gold beans that have not been redeemed will be invalid.
Activity details:
1. The sharer uses the friends who participated in this activity to become a real-name registered user activity - the activity page checks the successful registration status of the shared person.
2. It must be the first time for a friend to participate in this event only once.
3. Customers who have registered for Bank of China Mobile Banking before participating in the event will not be able to use the phone bill coupons. Customers who have registered/opened mobile banking in the past are non-applicable customers.
4. Non-Bank of China customers can open Bank of China type II electronic accounts through other bank accounts (ICBC, China Construction Bank, Agricultural Bank of China, Bank of Communications, Postal Savings Bank) through mobile banking, so as to register and bind cards for mobile banking.
The five functions of Bank of China Mobile Banking include full advertisement inquiry, homepage module customization, Hong Kong and Macao services, one-click card locking of credit card supplementary cards, and fund supermarket optimization, making it convenient for customers to use efficient mobile financial services.
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In order to meet the personalized needs of users, Bank of China Mobile Banking supports users to independently configure the mobile banking homepage. Users can self-check common functions such as "BOC Headlines" and "Foreign Exchange Settlement and Purchase", common products such as "BOC Wealth Management" and "Funds", and "Loan Calculator" and other common tools at the top of the homepage for easy and quick use. Bank of China Mobile Banking will also rely on cutting-edge technologies such as big data and cloud computing to understand user preferences and needs based on multi-dimensional data tags and make intelligent recommendations.
After this upgrade, Bank of China card holders can use mobile phone numbers in Hong Kong and Macao to self-register, log in and use mobile banking, and can receive SMS verification code information through the mobile phone number filled in during registration.
In order to prevent the risk of credit card theft, Bank of China Mobile Banking has launched the "one-click card lock" function for credit card supplementary cards: turn on the "one-click card lock" to control supplementary card transactions.
The "Fund Supermarket" of Bank of China Mobile Banking has been optimized and upgraded to "Performance Ranking". By default, fund products are displayed in order of increase or decrease in the past month, from high to low. At the same time, information on the price increases and decreases in the past week, the past 3 years, the past 5 years, and the self-examination of fund products since their establishment have been added. The self-inspection service section has been upgraded, the information is richer and more complete, and the display is more beautiful and clear.
While adding five new service functions, Bank of China Mobile Banking also launched preferential activities such as transfer and remittance fee discounts, sharing of registration bonus beans, and random instant discounts on phone bill recharge.
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