4000 yuan installment 12. If it is 0 interest and 0 handling fee, it is 333 yuan per month. Generally, there is an extra handling fee for installment, and the rate standard of each bank is different. Overdraft can only be used for credit card consumption, excluding cash withdrawal transactions.
First, installment payment is mostly used for some product transactions with long production cycle and high cost.
Such as complete sets of equipment, large vehicles, heavy mechanical equipment and other products. Installment payment means that after the import and export contract is signed, the importer pays a small part of the payment to the exporter as a down payment, and most of the rest is paid in installments after part or all of the products are produced and shipped, or after the goods are installed, debugged, invested and guaranteed.
Two, in the installment, but also to understand the calculation method of installment.
1, compound interest: the interest of the current period is included in the principal of the next period, that is, it is based on the sum of the principal and interest of the previous period. For example:
In daily life, in order to promote sales and facilitate customers to buy some high-priced goods, merchants often sell by installment. For example, if a customer buys a 5,000-yuan commodity by installment, the merchant requires to pay all the money within one year. At the same time, they also provide several payment schemes in the table below for customers to choose from.
2. Mathematical calculation:
Using the knowledge of sequence, there is an installment formula: x = a (1p) m [(1p) m/n-1]/[(1p) m-1].
Where A is the principal, P is the monthly interest rate, M is the number of months, N is the number of times, and X is the amount of each repayment. Generally m = n.
Then the interest paid should be: MX-A.
For example, the mortgage is 75,000 years. In this era, a = 70,000, p = 0.oo8m = 60n = 60, x= 1473.55.
Pay interest of 60×1473.55-70000 =18413.2.
3. Simple profit
Simple interest: the interest is calculated according to the initial principal of each period, and the interest of each period is not included in the next principal. Simple interest repayment method is divided into average principal repayment method and equal principal and interest repayment method.
(1). Average capital repayment method (hereinafter referred to as matching method): Also known as diminishing method, since the loan principal repaid by the buyer every month is the same, every time the principal is reduced, the interest of the next loan will decrease, so the loan principal and interest repaid in each period will decrease step by step. In this way, the monthly principal remains unchanged, and the repayment amount is the highest in the first month, and then decreases month by month.
(2) Equal principal and interest repayment method (hereinafter referred to as this method): the total amount of principal and interest is fixed every month, and the loan principal and interest are divided into several equal parts according to the loan term, and the total amount of principal and interest is the same every month. This way is convenient for buyers to plan funds.
Use China Merchants Bank credit card to borrow 4000 yuan in installments 12 months. What are the down payment and handling fee respectively?
The handling fee rate of China Merchants Bank's credit card consumption 12 period is 0.72%.
Monthly payment: the handling fee is 4000x0.72% 400012 = 26.4333.33 = 362.13 yuan.
There is generally a three-day grace period after credit card repayment, and repayment within the grace period is regarded as timely repayment;
If paid off in full, there will be no cost;
The minimum repayment amount shall be calculated at 0.05% of the daily interest;
Overdue: if the repayment exceeds the grace period or the repayment amount is lower than the minimum repayment amount stipulated by the bank, it will be regarded as overdue, and the daily interest will be 0.05%, and the interest will be calculated from the bookkeeping date. In addition, a late fee of 5% of the unpaid minimum repayment amount will be charged on a monthly basis.
Credit card bill installment of China Merchants Bank:
Handling fee per installment = total installment amount × handling fee rate per installment. The total installment principal is amortized monthly, and the balance is included in the last installment.
At the same time, the installment amount and the handling fee of each period are recorded.
China Merchants Bank provides cardholders with personalized choices such as the 2nd installment, 3rd installment, 6th installment, 10 installment, 12 installment, 18 installment and 24th installment, and the corresponding handling fees for each installment are 1.0%, 0.9%, 0.75% and 0.7 respectively.
At present, the application for non-single transaction only supports 2, 3, 6, 10 and 12. The second phase can only be applied through China Merchants Bank's mobile banking and pocket life channels.
Time of installment application
From the trading day to the due 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).
Don't you pay Gitzo more than 4000 in installments?
Whether or not, depending on the wishes and circumstances of creditors, can not be accurately predicted without relevant information. It can only be said that creditors have the right, but in fact whether to file a lawsuit depends on the wishes of the other party and the cost of litigation. Moreover, in reality, there are few debtors in these loan companies, and the family does not collect money, mainly relying on telecommunications.
First of all, whether the creditor will pay you back depends on how much money you owe, how far the other party is from you, and how high your cost is, that is, whether you are worth spending money, announcing and executing.
Second, not necessarily, the possibility of door-to-door collection is also very small-similarly, the cost is too high. I'm in business, not quarreling with you.
Third, they usually use collected and exploded address books.
There is no way to blow up cell phones and family phones. Those collection companies give you an address book, call and send messages to all your telephone contacts, tell them that you are in arrears, and even bother your contacts, so that your contacts can call you to ask what's going on and put pressure on you. This kind of thing is difficult to solve except paying back the money.
Finally, although the domicile has jurisdiction, if you live in a foreign country for a long time, the jurisdiction should belong to your habitual residence.
Therefore, the other party is unlikely to have you, mainly by collecting.
To sum up, the other party has the right, but I hope it doesn't depend on the other party's wishes. If it is an online loan, they often use collection instead of.
Can I pay in installments of 4000 in An 'an?
Of course.
An 'an installment is a pure online personal credit loan product operated by Xining Company Limited. Before, Xinxiangtong's Anxinhua, Xiaoxinhua and other products are believed to be familiar to everyone, because Anan staging was also a large-scale staging product of Xiaoxinhua, but the application qualification and approval quota were not shared with Xiaoxinhua, so you can apply for the next one at the same time.
First of all, what is staging:
1. An 'an installment is a credit loan product operated by Xining Lian Co., Ltd. I believe that all the friends present here should be familiar with the previous products such as An Xinhua and Xiaoxinhua. In fact, An 'an installment is a large installment product of Xiaoxinhua, but its application qualification and approval quota are independent from Xiaoxinhua's, and you can apply for the next payment at the same time. At present, the maximum application amount for the phased opening of An 'an is 654.38 million yuan, and the service period can generally be divided into 3- 12 months. You can choose the loan term according to your actual needs.
2. According to the user's feedback in the next paragraph of the application, the application will be reviewed by stages after submission, and the whole process is also approved by the system. Generally, there is no telephone call back. After the approval, the withdrawal amount can be paid quickly. Users over 22 years old with good big data and stable income can submit applications. During the application process, they also need to submit authentication materials such as ID card, face recognition, bank card and contact person. The interest rate of Xiaoxinhua is similar to that of Xiaoxinhua before. The installment loan of An 'an is 4,000 yuan for three months, and the guarantee fee is about 240 yuan. The total repayment due is about 4,036 yuan.
2. What is the installment amount?
1. The installment amount is the installment amount of the bill, and the total installment amount is the installment amount. There is a handling fee for each installment. The total credit card consumption during the period from the day after the bill date to the bill date and the next day last month as specified in the bill amount. If the bill is settled in advance by installments, the banking system will charge the remaining undistributed principal and installment fee payable in the current period, which will be included in the minimum repayment amount of the bill on the next billing date. The prepayment of the remaining installments is free of charge, and the received fees are not refundable (amortized fees are not refundable, unamortized fees are only charged 1 installment, and the rest are free).
2. After the customer successfully applies for installment, only the installment principal of the customer fully occupies the customer's credit line, and the installment fee will only occupy the customer's credit line when the bill is issued by installment. The maximum installment amount of a credit card refers to the maximum amount that can be repaid in installments in the current credit card bill.
This concludes the introduction of installment loan 4000 and installment loan app download. I wonder if you found the information you need from it?