CCB installment service is an installment payment service for customers with good credit record, stable professional income and normal consumption behavior. CCB has granted them a special installment pre-credit line in advance to meet the daily demand for large-scale consumer credit, and customers can spend at designated merchants after successfully handling it.
CCB Express Loan is a full-process online self-help loan for individual customers launched by CCB. Customers can complete loans online through electronic channels of CCB, including real-time application, loan approval, contract signing, withdrawal and repayment.
The phased plan of CCB can be divided into 6, 12, 18, 24, 36 and 48. The more stages, the higher the interest rate and the higher the corresponding interest rate. The specific installment interest rates are as follows:
1 6 installments, with the interest rate of 0.52% per installment;
2. Repayment in installments 12, with an interest rate of 0.48% per installment;
3. Repayment by installments 18, with an interest rate of 0.50% per installment;
4. Repay in 24 installments with the interest rate of 0.51%per installment;
5. Repay in 36 installments with the interest rate of 0.52% per installment;
6. Repay in 48 installments with the interest rate of 0.55% per installment.
When the installment fee of CCB begins to bear interest:
It is reported that the value date of installment interest is the day when it is transferred to a special debit card, not the application date. In other words, as long as the installment payment is completed and the installment payment is transferred to the special debit card, the interest will be calculated from today. For example, 14 applies for installment payment, and after the payment is approved on the 20th, you can use the installment debit card, and then the interest will be calculated on the 20th.
What needs special reminder is that some users have successfully applied for installment, but they have not used debit cards to spend, so they think that no interest will be generated. This is not correct. As long as the installment amount is successfully transferred to the special debit card, interest will be calculated at the interest rate of 0.4% per installment regardless of whether it is used or not.