For example, you apply to China Construction Bank for an American Express e-loan with a loan amount of 654.38 million yuan and a loan term of 6 months. The interest you have to pay is roughly: 654.38+7.2%(665.438+02)= 3600 yuan.
In addition, CCB's fast loan support can be repaid with the loan. In other words, interest can be calculated on a daily basis. The daily interest rate is about 7.2%365=0.02%, and the daily interest of 654.38+ ten thousand yuan is 20 yuan.
Related Q&A: Related Q&A: What if CCB doesn't repay the fast loan? I'm afraid that if I find the funds to cross the bridge, the quota will be cleared. I want to borrow100,000 to150,000 years. Are there any good banks? My friend used this quick loan from China Construction Bank, and I have encountered a situation similar to yours. If there is still more than one month from the repayment date, you can generally apply for installment.
If the repayment date is within one month, the quick loan bill installment function will be closed on the computer online banking. Don't panic at this time. You can contact the customer service of CCB, call the branch that approved the payment, explain the situation, and then the staff of the branch will help you how to divide the payment into stages.
A friend applied for a quick loan of 1 10000 yuan from CCB on June 20 19, and repaid the principal and interest one year later. By June 2020, it was not enough. Because there was always a bill installment function when logging in before, he just thought it was too early to pay back the money, so he left him alone.
By the time of repayment in June, the capital turnover was not enough. I want to go to the bill installment and find that there is no such operation box. I am very anxious. Later, I contacted the customer service of CCB, and the customer service suggested contacting the lending branch and gave a phone call.
Bill installment interest rate reference
The service of CCB is not bad, and two methods are given:
1. WeChat pays attention to the official account of CCB WeChat-small loan-business processing hall-fast loan. After entering this interface, you can generally apply for bill installment according to the steps.
Pay attention to the official WeChat account and enter the business hall.
Enter the quick loan page.
Second, WeChat search applet, CCB Smart Personal Loan-Quick Loan, after entering the interface, you can also choose personal loan deferred repayment or bill installment.
Wechat search applet CCB smart personal loan
The premise of the above two methods is that your personal credit is good and not overdue.
If you want to pay off the loan in10000 to150000 years, the bank loan has a time limit. Generally speaking, there are three kinds of bank loans: short term, medium term and long term.
Short-term loans with a loan term of less than one year, medium-and long-term loans with a loan term of more than 1 year, and long-term loans with a loan term of more than five years.
Usually, the longest term of bank loans does not exceed 30 years. The loan bank will evaluate the borrower's personal qualifications, loan application types and other factors, and give the borrower a specific loan period.
The loan interest rate of this bank is similar, so it is generally recommended to choose a large state-owned commercial bank.
Finally, according to my experience and thinking, I will answer your question comprehensively. What if CCB doesn't pay back the fast loan? I am afraid that the amount will be cleared when I find funds to cross the bridge. I can choose to divide the accounts by stages: one is to pay attention to the official account of CCB WeChat, and the other is to divide the accounts by stages through the smart personal loan applet of CCB.
The loan100000 or150000, which will be paid off in ten years, is a medium-and long-term loan. It is suggested to choose state-owned banks or large commercial banks.