Take Everbright Bank as an example. If 17,000 is divided into 12 installments, the minimum monthly repayment is 1,518 yuan.
There is no fixed answer to this. It depends on the bank, whether it is a credit card or a loan. If it is a credit card, generally the minimum repayment is about 10%, but different banks have different repayment amounts. Yes, if it is a loan, different lending institutions also have their own percentages. You have to look at the loan contract, which is usually stated on it.
1. Take China Everbright Bank as an example. There are five types of bank credit card installments: 3, 6, 9, 12, and 24. The handling fee is generally 0.60. The handling fee collection method is to collect the current period every month. fee. If 17,000 is divided into 12 periods, the handling fee is calculated as follows: 17,000*0.6*12=1,224; the principal plus handling fee is calculated as: 17,000 1224=18,224. Calculated, the monthly repayment is at least 1,518 yuan.
2. For another example, the minimum repayment amount of a China Merchants Bank credit card is the minimum amount that needs to be repaid in the current month when using revolving credit. The minimum repayment amount is listed on the current bill. The minimum repayment amount for each period of bill is calculated as follows: Minimum repayment amount = 10 All general transactions on the credit card account 100 Amount of all outstanding installment transactions in the account in a single period 100 The unpaid portion of the previous period’s minimum repayment amount 100 exceeds the account credit limit 100 fee and 100 interest on all funds used.
The minimum monthly repayment amount of a credit card is generally 10% of the credit card limit, plus your interest, which is your repayment amount. If the minimum repayment amount last month has not been paid off, There will be a late payment fee, and the sum of these three parts is your minimum payment, but it is generally recommended that you pay off the minimum payment, otherwise the late payment fee will be very severe.
1. The minimum repayment amount of a credit card is the minimum amount that a credit card holder must pay every month as stipulated by the issuing bank. As long as the cardholder pays off the minimum repayment amount before the final repayment date, there will be no Affects personal credit record; if the repayment amount is higher than the minimum repayment amount and lower than the full repayment amount, the cardholder will no longer enjoy the interest-free treatment and the bank will charge interest.
2. At present, the minimum repayment factor of most credit cards issued by domestic banks is generally 5 or 10 of the current consumption amount, depending on different banks. When calculating the minimum repayment amount, some Banks allow all consumption amounts to be repaid according to the minimum repayment amount. Some banks only apply to overdraft consumption and not cash advances.
3. The minimum repayment factor for most bank credit cards is 10, and for some banks it is 5. For example, the minimum repayment amount of an ICBC credit card is the sum of the unpaid portion of the minimum repayment amount of the previous period's bill and 10% of the overdraft balance of the current period's bill, unless otherwise agreed between the card issuer and the cardholder.