Credit card installment does not require interest, and generally only charges a handling fee. The handling fee rates of different banks are different. For example, CCB's credit card is divided into 24 periods, with a handling fee of six thousandths and a charge of 6,000 yuan. The handling fee for each issue is 60,000.006 = 36, which means that besides 36 yuan, you have to pay (6,000/24) = 250, which is 286 yuan.

1. What is a credit card loan?

Credit card loan means that the bank gives a certain amount according to the credit status of the credit card holder, and the cardholder can use the credit card for credit card consumption.

2. Credit card loan repayment method:

Credit card loan repayment methods are divided into one-time repayment and installment repayment. Installment payment is one of the credit services of bank credit card consumption, that is, credit card holders can choose to divide the total price of purchased goods or services into 3, 6, 12 or 24 installments (months) on average.

3. Under what circumstances do credit cards need to charge interest (handling fees)?

1. Cash withdrawal interest

Is to withdraw cash directly from the ATM. This method will produce two kinds of expenses, one is interest and the other is handling fee. At present, the interest of major banks is 15000 yuan/day, and the handling fee varies from bank to bank, generally between 1%-3%.

2. Interest generated after overdue.

If the repayment is overdue, the bank will charge interest from the day you swipe your card, and the interest is generally one day in 5 yuan 1 10,000 until the day you repay in full.

3. Interest on installment repayment

This stage generally refers to a fixed number of stages.

At present, the staging intervals of banks are generally 3, 6, 9, 12, 24 and 36. The figures for this period are not uniform among banks. For example, Shanghai Pudong Development Bank can only match 24 issues at most, and some banks can match 36 issues.

Friends who need to handle this business must consult the bank clearly.

At present, the installment interest rate (now called installment fee by many banks) is not uniform among banks, and the approximate range of each bank is between 0.5% and 0.8% per month, with equal repayment of principal and interest.

4. Minimum repayment interest

Now all banks have a minimum repayment amount. In general, the credit card spending is 1 10,000 yuan, and the minimum repayment is 10%. If 1000 yuan is paid back before the repayment date, the credit information is normal at this time and it is not overdue.

Interest will be charged according to the outstanding part of the full repayment, starting from the day of swiping the card. There is no interest-free period, and the daily fee is still 5,000.

The answer is 2021-11-0/.

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Borrowed 6000 from a friend. How much is the interest for five years?

Borrowed 6000 yuan from a friend, which belongs to private lending. The interest for five years should be negotiated by the two of you.

If you borrow from a bank, the total loan amount is 6000 yuan, and the benchmark annual interest rate is 4.90%.

Then, with a loan of 6,000 yuan for five years, the monthly repayment amount of principal and interest is: 1 12.95 yuan, the total repayment amount is 6,777. 18 yuan, and the total interest amount is 777.18 yuan.

Then the interest paid in 1 month is 24.5 yuan, and the principal paid in 1 month is 88.45 yuan.

My Alipay online merchant loan amount is 6000 yuan, and the daily interest is 0.02.

My Alipay online merchant loan amount is 6000 yuan, and the daily interest is 0.02.

6000 yuan 0.02%= 1.2 yuan/day.

1.30 days in 2 yuan =36 yuan/month.

36 yuan 12 months =432 yuan/year.

What is the maximum loan amount for Alipay online merchants?

Borrowing is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from 1000-50000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

In addition, users with sesame score above 700 can also apply for a "good term loan" (a product of Zhaolian Finance, in cooperation with Alipay), with a loan amount of 2000- 1 10,000 yuan. The loan term is divided into 3 months, 6 months and 65,438+02 months, and the loan can be repaid at any time, with monthly interest. The repayment method is equal principal and interest.

The interest on Alipay online merchants' loans has gone up.

Variable interest

How to calculate the online merchant loan interest of Alipay? Is the daily interest and annual interest of online merchant loans in Alipay the same?

The daily interest rate is 0.5 ‰. For example, if you borrow 10000 RMB from Taobao, the daily interest will be paid in 5 yuan. But if you/kloc-repay the loan in 0/2 months, I'll give you an interest table of 12 months 1 10,000 yuan.

How to calculate the loan interest of Alipay online merchants?

Average capital refers to the repayment of the same amount of principal and the interest generated by the remaining loans in the current month, that is to say, the interest is decreasing every month. . . Your algorithm is wrong.

How did I reduce the online merchant loan amount of Alipay?

The online merchant loan quota system evaluates the account according to the comprehensive situation. The account usage is dynamic, and the corresponding lines are also dynamic, subject to the page display.

Alipay online merchants lent me 2000 with interest of 0.035%. How much is it for half a year?

1. Calculated as 0.035%. Eleven thousand years, more than six hundred dollars. 2. If you earn 2000 yuan, a year is more than 120 yuan. If it's half a year, it's between 60 and 70.

How much is the online merchant loan of Alipay?

This picture is your repayment plan, that is, how much to pay back every month. The difference between "online merchant loan" and "Alipay ant loan" lies in why some small partners have online merchant loans and some online merchant banks have online merchant loans.

How much bank loan interest should I pay for 6000?

The bank loan is 6000 yuan. If the annual interest rate is 5%, the annual interest rate is 300 yuan. Different loan interest rates are different. You can look at your loan contract.

First, college students' loans

If your loan interest is monthly,

The loan interest = principal × year (month )× year (month) interest rate.

6000 120.655=47 160

If the interest on your loan is annual,

The loan interest = principal × year (month )× year (month) interest rate.

3930

2. Differences from banks

Six thousand × 32%12 =192012 =160 yuan. Monthly interest 160 yuan. This interest rate is too high. It belongs to. Please be careful! If the annual interest rate exceeds 24%, the excess is not protected by law. Provisions on Interest of Private Lending: Paragraph 1 of Article 26 of the Supreme People's Provisions on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases stipulates: "If the interest rate agreed by the borrower and the lender fails to reach an annual interest rate of no more than 24%, the people shall support it if the lender demands the borrower to pay interest at the agreed interest rate.

3. The interest rate agreed between the borrower and the borrower.

If the interest rate exceeds the annual interest rate of 36%, the interest agreement for the excess part is invalid. At the same time, in order to avoid the situation that the interest rate agreed by the parties is too high and the interest borne by the debtor is too high, the judicial interpretation stipulates that the borrower requires the lender to return the interest it has paid. The people will support it if the annual interest rate exceeds 36%.

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What's the interest rate of the bank?

1. At present, the main domestic banks are China Bank, China Industrial and Commercial Bank, China Construction Bank, China Agricultural Bank, Bank of Communications and Postal Savings Bank. These relatively large bank loan interest rates are based on the benchmark interest rate of the central bank.

2. The interest rate for more than one year (including one year) is 4.35%; The interest rate of 1 to 5 years (including 5 years) is 4.75%; The interest rate over five years is 4.9%; The interest rate of provident fund loans for less than five years (including five years) is 2.75%, and the interest rate of provident fund loans for more than five years is 3.25%.

3. The bank's loan interest rate is based on the benchmark interest rate of the central bank and fluctuates within the prescribed range. If banks handle housing loans, the loan interest rate is generally 1. 1 times the benchmark interest rate, that is, 5.39%. The interest rate of housing loans in some areas exceeds 6%. If you apply for a second home loan, the mortgage interest rate will be higher.

How much is it to borrow 6000 yuan and 10 cents interest a month?

90 yuan. Interest algorithm for Meituan to borrow money: calculated on a daily basis, the general daily interest rate is 0.05%. That is, if you borrow 6000 yuan from Meituan, the interest of 1 month is (60000.05%)= 3 yuan, and 1 month is calculated as 30 days, and the interest of 1 month is 90 yuan. However, this is the interest generated when the normal repayment is not overdue. If it is overdue, a penalty interest will be charged.

In addition, although the Meituan loan page shows the minimum daily interest rate of 0.02%, not everyone can get such a low interest rate. In fact, most users apply for a daily interest rate of 0.05%. As far as the general interest rate comparison is concerned, Meituan borrows money slightly higher than Lending Bao. Basically, the same type of lending platform is calculated on a daily basis, and the interest rate is similar. The specific interest rate depends on the applicant's qualifications.

According to the reference, the interest of the US Mission is not high. However, the official side of Meituan explained that the interest level of Meituan's borrowing money is determined according to the borrower's credit level, and the applicant's qualification determines the interest.

On the other hand, some online users who borrowed money from Meituan said that the daily interest rate of borrowing money suddenly rose from 0.05% to 0.07% now. This sudden increase in interest rates is not a case. The official answer of Meituan is that because the credit status of some users fluctuates, the interest on borrowing money will also fluctuate.

Mobile phone model: RedmiNote 10Pro meituan 2.0

1. Meituan borrows money very formally and reliably. At present, the online loan products on the market are basically formal, because the informal online loan products have been rectified. From the perspective of capital security, it is indeed reliable for the US Mission to borrow money. There is loan information for Meituan to borrow money online. Meituan's borrowing money is actually a loan supermarket, which can also be understood as a third-party loan platform. The interest rates of many loan products here are very high, and some have reached 30%.

2. Meituan borrowing money is a credit product, which is generally applicable to consumer loans. For many users, some people's personal credit situation is not good, there is no way to apply for bank loans, so they have to choose to apply for such online loans. On the other hand, if we frequently apply for such online loans, our personal credit status will only get worse and worse, and our financial status will also get worse and worse.