1. If you receive a phone call or SMS invitation from Gitzo, the monthly interest for borrowing more than 20,000 yuan will be 2. 17, and no other handling fees will be charged;
2. I haven't received a phone call or SMS invitation from Gitzo, and the monthly interest rate is generally around 2.5.
However, there are many types of Gitzo loans. Counting the specific handling fee and interest, the monthly fee is subject to the actual display on the page.
Jiexian Loan is a consumer loan launched by Gitzo Consumer Finance Company. Applicants can apply as long as they are 20-55 years old, earn more than 2,000 yuan a month and work in the local area for more than 3 months. The maximum loan amount is 65,438+00,000, and the longest loan period is 65,438+02 months. It's short-term consumption and small loans.
Gitzo cash loan interest includes normal loan interest, monthly service fee and customer service fee. Gitzo's cash loan interest rate is generally 0.58%, while the monthly service rate and customer service rate are 0.78% and 1.58% respectively. Take Gitzo's cash loan with a term of 5,000 yuan as an example. After the loan expires, the interest is more than 2000 yuan, which is much higher than the cash loan of the bank.
Extended data:
1. Gitzo Jiexian Loan is applicable to new customers who have not applied for Gitzo installment loan. If Gitzo's installment payment has been made, Gitzo's cash loan cannot be made.
2. The current loan cost of Jiexinjie is relatively high, and applicants should apply according to their repayment ability.
3. Gitzo's current loan supports prepayment. If prepayment is required, you need to apply to Gitzo five days before repayment/kloc-0, and there are corresponding procedures for prepayment.
Gitzo loan interest is not only generated by the loan interest rate. Don't just pay attention to the loan interest rate and ignore the hidden interest such as service fee. Gitzo loan has a high interest rate.
Kangbo Finance-Gitzo Loan Interest
Gitzo official website-Frequently Asked Questions
How to calculate Gitzo installment interest?
Gitzo does not specify the loan interest by installment, which should be determined according to the borrower's comprehensive credit. Generally speaking, Gitzo's annual loan fee will not exceed 36%. After all, it is illegal for the annualized loan interest rate to be above 36%.
For example, Gitzo borrowed 3000 yuan to buy a mobile phone in installments, and the monthly repayment amount was 292.45 yuan, and the monthly repayment amount was 242.30 yuan in installments 15 months.
1February repayment, with total repayment amount of 3,509.4 yuan, total interest amount of 509.4 yuan and annualized interest rate of16.98%; 1may repayment, with total repayment amount of 3,634.5 yuan, total interest amount of 634.5 yuan, and annualized interest rate of 16.92%.
Extended data:
Gitzo has strict risk control methods. If the borrower fails to pay back within the time limit, it will not only be collected, but also affect your work and life to a certain extent. At the beginning of 20 12, Gitzo was allowed to be included in the central bank's credit information system. If Gitzo pays in installments and Gitzo loans overdue pays, both of them will have bad credit records.
After the purchase amount reaches 540 yuan, Gitzo can be used for installment, and the maximum amount is 1 000 yuan. The specific amount depends on the goods and the personal qualifications of the borrower.
What is the annual interest of Gitzo loan?
1, Gitzo loan interest is divided into two types, one is cash loan, with a monthly interest of 1.75%, and there is a management fee of about 1.5% and a service fee of about 0.4%. So the annual interest rate is around 25%
2. There are commodity loans. When purchasing goods, pay a certain down payment, which is 20% of the loan principal, and then pay the interest on the remaining amount. The interest depends on the quantity of goods to be phased, and the repayment method adopts equal principal and interest.
3. Gitzo's cash loan has an annual interest rate as high as 30%. As far as I know, Gitzo's cash loan interest rate is generally 0.58%, which is selected on a weekly basis. In addition to the normal loan interest, it also includes monthly service fee and customer service fee. The monthly service rate is 0.78%, and the customer service rate is 1.58%. Take Gitzo cash loan with one year 1 10,000 yuan as an example. After the loan expires, the interest is more than 4000 yuan. This is much higher than the bank's cash loan, and Gitzo's cash loan interest is comparable to usury.
For more information on how to calculate the annual interest rate of Gitzo loan, please visit: See More.