How to calculate the 3000 installment payment of China Merchants Bank

You can apply for bill installment by calling China Merchants Bank (the number is printed on the back of the card) after swiping the card, or you can log in to the "Credit Card Online Banking" of China Merchants Bank to apply for bill installment. The way is different, the function and so on are the same.

If the bill installment of China Merchants Bank is made, a handling fee will be charged according to the number of installments, and the handling fee = the total amount of installments and the handling fee rate of each installment. The handling fee corresponding to the 6 installments is; 3000 yuan in 6 installments, 3000 6+3000 yuan per month.

However, if it is "just done", it may not be possible to apply for bill installment, because China Merchants Bank requires a card with at least a repayment record to apply. It is recommended to call and transfer to manual labor first, and confirm with customer service first.

Hello, Bill Instalment (only cardholders with commercial cards or supplementary cards cannot apply) is a new type of wealth management feature launched by our credit card, which can help you repay the amount spent in the bill in monthly installments. You can send a text message, log in to Credit Card Online Banking, or call Customer Service** 4008205555 a Referral Service Specialist to apply. Handling fee per period = total amount of installment handling fee rate per period, the minimum charge for each period handling fee is 5 yuan, 3 periods per period, each period per period, each period, each period.

Whether the application for bill installment is approved or not is subject to the comprehensive evaluation result of the credit card center of the Bank. For more information, please log in to your credit card**.

Click "Credit Management" - "Bill Installment" to estimate the repayment amount and handling fee for each installment.

If you successfully apply for the bill installment business, you can enjoy the interest-free period if you repay the bill in full according to the bill amount before the due date of the bill every month, but not otherwise.

After buying something and swiping the card, you can directly call the customer service of the China Merchants Bank **95555 to apply for manual service, and the installment payment is only paid to the bank fee, and the place where you buy things will not charge you another fee It is not the business's business, and the corresponding handling fee for each period of 6 periods is 3000; 3000 yuan in 6 installments, 3000 6+3000 yuan should be repaid every month. Just remember to pay it off on time.

First, the installment handling fee is fixed, generally about 7/1000 of the total amount, that is to say, 5000 installments, and about 35 yuan per month.

Second, the installment is divided into months, with the lowest handling fee in 3 installments, about 105 yuan, and the highest handling fee in 24 installments, about 800 yuan.

Third, if you have the most money, it is necessary to consider your ability to repay, if you have a lot of money, then pay it in 3 installments, pay it off in three months, the handling fee is relatively small, if you are tight, then divide it into several more installments, so that even if you pay back a little more, there will be no pressure.

Hello, it depends on your personal ability to repay. You can turn it on.

On the left side of the page, there is a bill installment calculator, which can calculate the repayment amount and handling fee for each installment, and you can calculate it yourself and then choose the number of installments that suit you.

The best deal? The installment rates are fixed, so naturally the fewer installments, the less the installment fee.

According to the official website of China Merchants Bank, the handling fee rates for each period corresponding to the three phases are; According to the formula: handling fee per installment = total amount of installment handling fee rate per period.

Handling fee for each period = 6000 * RMB;

The total amount payable in each installment = principal number of installments + handling fee = 6000 3 + 54 = 2054 yuan.

Note: 1. If you apply for an installment with a bill, the installment amount can reach up to 95% of the total amount of new RMB card consumption in the current period, 2. After the application is successful, only the unpaid amount of the current bill needs to be repaid, and the first installment amount and handling fee will be included in the next bill.

3. The total principal amount of the installment is amortized evenly on a monthly basis, and the remainder is included in the last installment.

4. The installment amount and handling fee of each installment will be recorded at the same time.

If you divide it into 3 installments, the principal of 2000 per installment plus the handling fee is 54 yuan, which is 2054 per month

The processing fee is 6000 per month

China Merchants Bank provides cardholders with a variety of installments to choose from 2, 3, 6, 10, 12, 18, 24 and 36 installments, with a single-installment handling fee rate of 0%, and the actual installment handling fee and the number of installments that can be applied for are subject to the real-time evaluation results of China Merchants Bank Credit Card Center.

1. Calculation of the principal payable for each period.

The principal payable in each instalment of the bill is equal to the total principal amount of the instalment divided by the number of instalments, and the principal payable in each instalment (accurate to the cent) is credited to the cardholder's credit card account on a monthly basis, and the remainder is credited to the last instalment. For USD bill installment, the USD installment amount will be converted into RMB at the specified exchange rate after the application is successful, and the principal repayable in each instalment will be credited to the RMB account of the credit card.

2. The amount of bill installment that can be applied.

Apply for RMB bill instalments, and the minimum amount of each application is not less than 300 yuan. Apply for USD bill installments, with a minimum amount of at least $100 per application. The total amount of instalment requests for transactions that have not been billed must be equal to the sum of the original transaction amounts, and cardholders cannot apply for partial instalment of a single transaction.

Cash advance transactions, instalment transactions, real estate transactions, RMB payments that have been applied for the purchase of foreign exchange, and other transactions designated by the Bank are not eligible for bill instalment. The maximum amount that can be applied for bill instalment is subject to the actual assessment result.

The maximum is 12 months. And only three types of bill installments are available: 12 months, and no free choice of up to 24 months is provided. Moreover, it is not 100% of the application, at least 3 months of card holding, and the 1 month before the application is not overdue, and it is repaid in full.

If you apply for installment after swiping 5000 cards, you can make up to 90% of the bill amount and not exceed 80% of the fixed amount, whichever is lower. For example, if you have a fixed amount of 5,000, after brushing 5,000, you can do up to 4,000 yuan in installments. If the fixed amount is much higher than 5000, such as 8000, then after swiping 5000, you can make up to 4500 yuan in installments.

The handling fee is: 5000 points for 12 periods are calculated as follows:

After the application is successful, you need to repay 5000 10% + 5000 90% 12 + 5000 90% yuan in the first month, and 375 yuan per month for 11 consecutive months thereafter.

The student card of China Merchants Bank credit card, the young card, cannot be used for bill installment.

The bill installment service can only be applied by the principal cardholder, and only cardholders who hold a commercial card, business card, purchasing card, ANA guarantee card or supplementary card cannot apply.

Bill instalment is not eligible for the following transactions:

1) Cash advance transactions, installment transactions, real estate transactions and various fees (such as annual fees, interest, late fees and other credit card charges);

2) US dollar account transactions and funds that have been applied for the purchase of foreign exchange;

3) Other transactions specified by the Bank's credit card center.

Hello, bill installment application conditions: 1. Recent.

After buying something and swiping the card, you can change the spine, directly call the customer service of the recruitment bank**95555 to apply for manual service, the installment payment is only paid to the bank fee, and the place where you buy things will not charge you another fee, it is not the business's business, and the corresponding handling fee for each period of 6 periods is 3000; 3000 yuan in 6 installments, 3000 6+3000 yuan should be repaid every month. Remember to pay it off on time and you can be annihilated. Osmosis.

Hello, the handling fee of each period = the total amount of installments The handling fee rate of each period, the minimum charge for each period of handling fee is 5 yuan, 3 periods per period.

That's 3500*

3500 3 = per month.

The handling fee of China Merchants Bank in 3 installments seems to be 3500*

Twenty percent of the first installment is repaid monthly in the later period.

China Merchants Bank Phase 3 Phase 6.

Proposed instalment amount 4000 4000

Handling fee rates. The total amount of the handling fee.

A monthly processing fee is required.

The amount of principal to be repaid each month.

The total amount of repayment required.

Monthly repayment required.

You can ask the customer service of China Merchants Bank directly, and they will tell you in detail.