Is it a single credit card payment or a single installment of 150,000 monthly bills? 150,000 can be fully installment. For bill installments, you can only split the bill by 90. Call CITIC Bank credit card customer service two days after swiping the card to three working days before the current bill date to apply for installment. The handling fee ratio is three periods, six periods, nine periods, twelve periods, eighteen periods and twenty-four periods. 0.80 0.72 0.72 0.64 0.64 0.64 Assuming that a single installment is divided into 24 installments, that is, it is repaid in 24 months, the monthly handling fee = 150,000 * 0.64 = 0.096 million yuan Monthly principal repayment = 150,000 / 24 = 0.6 million yuan *** Monthly repayment of 0.721 million yuan is required Supplement: monthly interest rate is 14.04÷12＝1.17 Monthly interest = principal × 1.17
Calculation formula: monthly interest = principal × annual interest rate ÷12
Interest rate refers to the amount of interest due in each period of the borrowed, deposited or borrowed amount (called the total principal) and the face value value ratio. The total interest on the amount lent or borrowed depends on the total principal amount, the interest rate, the frequency of compounding, and the length of time it is lent, deposited, or borrowed. Interest rate is the price a borrower pays for borrowing money, and it is the return the lender earns from lending to the borrower by delaying his or her consumption. Generally speaking, interest rates vary according to the term standard of measurement, and are expressed in annual interest rate, monthly interest rate, and daily interest rate. The interest rate is usually calculated as a percentage of the one-year interest to the principal. Monthly interest rate refers to the interest calculated on a monthly basis. The monthly interest rate is expressed as a thousandth of the principal. The monthly interest announced by banks is basically expressed in terms of one year. For example, the annualized deposit interest rate for three months is 2.6 (listed by the bank). In fact, it is actually calculated into the actual income of the current period for three months. The interest rate is only 0.65. The annual interest rate is generally expressed in (percent), and the monthly interest rate is generally expressed in ‰ (thousandths); the daily interest rate is expressed in ten thousandths of the principal, and the daily interest rate is usually called a few centimeters. For example, if the daily interest rate is 1%, that is, the principal is 1 yuan, the daily interest rate is 0.001 yuan. (1 centimeter = 0.001 yuan, one cent = 0.0001 yuan)
Calculation formula: daily interest rate_annual interest rate ÷360 = monthly interest rate ÷30. The relationship between annual interest rate and monthly interest rate: monthly interest rate = annual interest rate / 12, annual interest rate = monthly interest rate × 12.
Notes on calculating interest:
1. When calculating interest, the number of days of deposit is always counted from the date of deposit to before withdrawal. One day only; 2. Regardless of leap year or ordinary year, regardless of the big or small month, the whole year is calculated as 360 days, and each month is calculated as 30 days; 3. Calculated against the year, month, or day, the arrival of various time deposits The date is based on the year, month and day. That is, the period from the deposit date to the same day of the next month is a pair of years, and the deposit date to the same day of the next month is a pair of months; 4. On the expiration date of regular savings, if you are not working during a statutory holiday, you can withdraw it one day in advance, which is deemed to be the same. Interest will be calculated upon maturity and the procedures are the same as for early withdrawal.
The formula for calculating interest: principal × annual interest rate (percentage) × deposit period
If interest tax is collected, then × (1-5)
Total principal and interest =Principal interest
The calculation formula of accrued interest is: Accrued interest = Principal × Interest rate × Time
Accrued interest is accurate to 2 decimal places, and the number of days that interest has been accrued Calculated based on actual holding days.
PS: The deposit period should correspond to the interest rate, which is not necessarily the annual interest rate, but may also be the daily interest rate or the monthly interest rate.
One month’s interest is the principal × monthly interest rate 1.5, and one year’s interest is the principal × monthly interest rate 1.5 × 12. For example, if you borrow 20,000 yuan, monthly interest = 20,000 × 1.5 × 1 = 300 yuan, one month’s interest is 300 yuan, and one year’s interest needs to be multiplied by 12, which is 3,600 yuan.
Notes on calculating interest: 1. When calculating interest, the number of deposit days is counted from the date of deposit to the day before withdrawal; 2. Regardless of leap years , In an ordinary year, regardless of the big or small month, the whole year is calculated as 360 days, and each month is calculated as 30 days; 3. Calculated against the year, month, or day, the maturity dates of various time deposits are calculated based on the year, The month and day shall prevail. That is, the period from the deposit date to the same day of the next month is a pair of years, and the deposit date to the same day of the next month is a pair of months; 4. On the expiration date of regular savings, if you are not working during a statutory holiday, you can withdraw it one day in advance, which is deemed to be the same. Interest will be calculated upon maturity and the procedures are the same as for early withdrawal.
The calculation formula for interest is: principal × annual interest rate (percentage) × deposit period. If interest tax is collected and × (1-5), the total principal and interest = principal interest. The calculation formula for accrued interest is : Accrued interest = principal × interest rate × time. Accrued interest is accurate to 2 decimal places, and the number of days that interest has been accrued is calculated based on the actual number of holding days. PS: The deposit period should correspond to the interest rate, which is not necessarily the annual interest rate, but may also be the daily interest rate or the monthly interest rate.
Generally speaking, interest rates vary according to the term standard of measurement, and are represented by annual interest rates, monthly interest rates, and daily interest rates. The interest rate is usually calculated as a percentage of the one-year interest to the principal. Monthly interest rate refers to the interest calculated on a monthly basis. The monthly interest rate is expressed as a thousandth of the principal. The monthly interest announced by banks is basically expressed in terms of one year. For example, the annualized deposit interest rate for three months is 2.6 (listed by the bank). In fact, it is actually calculated into the actual income of the current period for three months. The interest rate is only 0.65. The annual interest rate is generally expressed in (percent), and the monthly interest rate is generally expressed in ‰ (thousandths); the daily interest rate is expressed in ten thousandths of the principal, and the daily interest rate is usually called a few centimeters. For example, if the daily interest rate is 1%, that is, the principal is 1 yuan, the daily interest rate is 0.001 yuan. (1 centimeter = 0.001 yuan, one cent = 0.0001 yuan)
Calculation formula: daily interest rate_annual interest rate ÷360 = monthly interest rate ÷30. The relationship between annual interest rate and monthly interest rate: monthly interest rate = annual interest rate / 12, annual interest rate = monthly interest rate × 12.
One month’s interest is the principal × monthly interest rate 1.5, and one year’s interest is the principal × monthly interest rate 1.5 × 12. For example, if you borrow 20,000 yuan, monthly interest = 20,000 × 1.5 × 1 = 300 yuan, one month’s interest is 300 yuan, and one year’s interest needs to be multiplied by 12, which is 3,600 yuan.