China Merchants Bank and Industrial Bank. Most mainstream bank credit card installments can only be divided into 24 installments at most. There are very few bank credit cards that can be divided into 36 installments. There are no more than 5 banks. Currently, I have found two banks, China Merchants Bank and Industrial Bank, whose number of installments and The handling fees are as follows:
1. China Merchants Bank Credit Card
China Merchants Bank Credit Card can be divided into up to 36 installments, currently 2/3/6/10/12/18/24/ There are 36 installments and 8 installments to choose from.
The handling fees corresponding to different periods are 1%, 0.90%, 0.75%, 0.70%, 0.66%, 0.68%, 0.68%, and 0.68% respectively.
2. Industrial Bank Credit Card
Industrial Bank Credit Card can be divided into up to 36 installments. Currently, there are 6 types of installments to choose from. The different installments and rates are as follows:
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The handling fee is divided into 3 installments, a one-time charge of 2.55%, and the installment fee is 0.85%/issue;
The handling fee is divided into 6 installments, a one-time charge of 4.20%, and the installment fee is 0.75%/issue;
The handling fee is divided into 12 installments, a one-time charge of 8.40%, and the installment fee is 0.75%/issue;
The handling fee is divided into 18 installments, a one-time charge of 12.60%, and the installment fee is 0.75%/ Period;
The handling fee is divided into 24 periods, a one-time charge of 16.80%, and the installment fee is 0.75%/period;
The handling fee is divided into 36 periods, a one-time charge of 23.40%, and an installment fee of 0.72 %/Expect.
In short, there are very few bank credit cards that can be divided into 36 installments. After all, the longer the installment, the greater the unknown risk. This must be the biggest reason why many banks are unwilling to provide such a long installment service.
:
1. Bank credit application process:
1. The borrower submits a loan application and submits relevant application materials; relevant application materials can be submitted directly to bank outlets .
2. After approval by the bank, sign a loan contract with the borrower and handle loan issuance and fund transfer procedures in accordance with the contract.
3. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method stipulated in the loan contract.
2. How to apply for a rural credit cooperative loan:
Farmers who meet the following conditions can apply for a loan with valid documents.
1. The borrower is a citizen of the People's Republic of China with full capacity for civil conduct; the purpose of the loan is clear and legal; the loan application amount, term and currency are reasonable; the borrower has the willingness and willingness to repay ability.
2. The borrower has good credit status, good moral character, abides by laws and regulations, and has no major bad credit record; has stable economic income and the ability to repay the principal and interest of the loan on time; opens a current account in a rural credit cooperative The deposit account can provide effective guarantees and mortgage (pledge) guarantees recognized by rural credit cooperatives; other conditions required by the lender.