Summary: CCB staging is not bad. Taking 12 installment as an example, the monthly fee rate is 0.29% and the annual fee rate is 3.48%, but it must not be understood as the annual interest rate of 3.48, and the actual annualized interest rate is about 6.3629%.

The installment pass of CCB is a special installment pre-credit line granted by CCB because of its stable credit record and normal consumption behavior, which can be used to meet the daily large consumption demand and can be used for specified types of business.

CCB Express Loan is a loan from CCB, and customers can complete the loan online through CCB electronic channels, including actual payment.

ChinaConstructionBank, formerly known as People's Construction Bank, was established in 1 year (later 1996).

The head office is located in Beijing, a large state-owned bank and a national vice-ministerial unit. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.

2. What are the procedures and interest for the installment of CCB?

As soon as CCB's phased plan came out, it attracted attention. Many people want to know the process and interest of installment payment of CCB. The handling fee and interest of CCB are actually together, and they are not calculated separately. It can also be understood that the handling fee is interest, and interest is the handling fee.

There are 6 stages to choose from, 6, 12, 18, 24, 36 and 48. The handling fee rate varies with the number of periods.

It is understood that the handling fee rate of these six installments is 0.52%; 12 repayments in installments, with the handling fee rate of 0.48% per installment; 18 installment repayment, with the handling fee rate of 0.50% per installment; 24 issues, and the handling fee rate for each issue is 0.51%; Repay in 36 installments, with the handling fee rate of 0.52% for each installment; Repay in 48 installments, and the handling fee rate of each installment is 0.55%.

Assuming that the installment amount is 10000 yuan, the calculation shows that:

Select 6 installments, and the handling fee is:10000× 0.52 %× 6 = 312 (RMB);

Select 12 installment, and the handling fee is:10000× 0.48 %×12 = 576 yuan;

Select 18 installment, and the handling fee is:10000× 0.50 %×18 = 900 yuan;

Select 24 installments, and the handling fee is:10000× 0.51%× 24 =1224 (yuan);

Select 36 installments, and the handling fee is:10000× 0.52 %× 36 =1872 (yuan);

Choose 48 installments, and the handling fee is: 10000×0.55%×48=2640 (yuan).

Three. How much is the interest of CCB Credit Card100000 Yuan 12 installment?

Ccb credit card 12 installment100000, there is no interest on credit card installment, only the handling fee. 0.7% in the third phase; 0.7% in Phase 6; 12 0.6%; 18 0.6%; 0.6% in 24 periods; Handling fee = installment interest rate of installment principal. The monthly repayment amount is 100000/ 12, and the handling fee is 8383 yuan.

Credit card bill installment application requirements:

1. Time to apply for installment bills

From the trading day to the repayment date, you can freely choose the installment transaction under RMB or USD account.

For unbilled transactions: you can apply for installment payment between the transaction date of 19:30 and the billing date of the bill corresponding to the transaction.

For bills that have been issued, you can apply for installment from the day after the billing date to the due repayment date (for customers with automatic repayment in the account, the deadline for application is due repayment date 17:00).

2. Conditions for applying for installment bills

The applicant must hold a personal card with a bank credit card, have a good record of using the card and have no delay in repayment in the current period. Customers who only hold business cards, business cards, purchasing cards, ANA protection cards or supplementary cards cannot apply for bill installment for the time being.

3. Bill installment application amount

For the installment payment of RMB bills, the minimum application amount shall not be less than 300 yuan RMB each time; For the installment payment of USD bills, the minimum application amount shall not be less than USD 65,438+000 each time. After the installment of RMB or USD bill is successful, the principal and handling fee of each installment will be credited to RMB account, that is, the installment amount of USD bill will be converted into RMB at the exchange rate specified at the time of application.

Four. CCB pays interest in installments of 65438+ 12?

CCB Credit Card10,000 Yuan 12 installment repayment, and the handling fee rate is 0.6%. The repayment of each installment is100000/121000000.6% = 8933.33 yuan, in which the interest of each installment is 600 yuan, and the total interest is 60065433.

CCB credit card installment payment regulations: installment rate: 0.7% for the third installment; 0.7% in Phase 6; 12 0.6%; 18 0.6%; 0.6% in 24 periods; Handling fee = installment interest rate of installment principal.