What is Huaxia Bank EDG? What about interest? What are the requirements?

I just applied some time ago, so I know better.

The monthly rate is 9% (if you take a loan of 10,000, the management fee is 75 a month, and the annual rate is 900) Compared with other banks, it is still more cost-effective, after all, it is unsecured.

The limit is 1-500,000, and the bank will give you a credit line according to your income.

Within the credit line, you can call the bank to lend as much money as you need, and all of them are in cash to your designated debit card.

Inside. (More than 10w needs to be Huaxia Bank.)

debit card, any debit card under 10w can be used).

The repayment cycle is 3, 6, 12, 24, and 36 installments.

Huaxia Bank Yida Gold Card provides you with a comprehensive cash solution to meet your capital needs in a timely manner. You can apply for 100% of the cash installment within the credit line, and you can choose the number of ultra-long repayment periods freely, and a variety of convenient and fast repayment methods can easily repay at any time. It's that simple!

Hua Xia Bank Credit Card Center.

Eligibility. - 55 years old, Chinese mainland nationality;

2. Beijing, Tianjin, Shanghai, Shenzhen, Taiyuan, Guangzhou, Wuhan, Ningbo, Urumqi, Hangzhou, Qingdao;

3. Stable occupation and income (monthly income before tax of 3,000 RMB);

4. Have worked in the current employer for at least 6 months, and have held and used 1 or more credit cards for more than 1 year.

Featured Functions: 1. Unsecured and unsecured, easy to enjoy financing.

Apply for an easy-to-use gold guarantee-free credit card cash installment plan to meet your funding needs in a timely manner.

2. The loan amount is customized, and you can borrow at any time by setting your own amount.

Within the credit limit of your Huaxia Yida Gold Card, the amount of each loan is up to you.

3. The number of installments is customized, and a variety of repayment cycles can be freely selected.

The number of repayment periods is also up to you. You can choose your own monthly repayment cycle according to your financial needs.

4. Customized repayment methods, all kinds of repayment channels are worry-free.

Huaxia Bank provides you with a variety of repayment methods, such as Lakala convenient payment, fast money online repayment, UnionPay** inter-bank repayment, self-service device repayment, automatic binding repayment, ** repayment, Huaxia Bank counter repayment, other bank counter transfer repayment, etc., which are convenient and worry-free.

5. ** Transfer, fast and easy access to funds.

You can call the customer service of Huaxia Bank Credit Card Center** to apply for Express Gold cash installment, only one pass**, the funds are fast and easy to arrive; After the transfer is successful, the amount will be credited to your Huaxia Yida Gold Card account in installments, and you can repay it on a monthly basis.

You can easily withdraw cash over the counter or ATM within the available cash withdrawal limit, no cash handling fee, and only interest will be charged according to the overdraft interest rate; Enjoy a 30% minimum repayment for cash withdrawals, and cash withdrawals before the bill is issued (with a single amount of not less than RMB 500) can be converted to installments at any time.

%, monthly interest rate.

2. According to the users of Huaxia Yidajin, Huaxia Fan is the annual interest rate of Yidajin.

It is 9% per month and does not require any management fees. Judging from this data, the interest of Huaxia Yidajin is not high. However, it is understood that if you want to install, you also need to charge a certain installment fee, which is charged according to the monthly transaction amount.

3. If the loan is 1000000 yuan and the loan term is 12 months, the monthly handling fee is 10,000 yuan, and the total handling fee is 75 yuan 12 yuan = 900 yuan, which is also what you need to know when handling Huaxia Yidajin.

Extended Materials. 1. Huaxia Bank.

Edgark can be repaid early.

Is it? Huaxia Bank can repay the loan early. There are many ways to repay Huaxia Bank Yidajin, you can repay through **bank transfer, you can also use a third-party payment platform such as Alipay to repay, or set up automatic repayment.

2. How to charge Huaxia Bank Yidajin early repayment fee? If Huaxia Bank Yida Gold repays in advance, then the handling fee that has been paid will not be refunded, and the remaining unpaid handling fee will not be waived, but there will be a certain reduction, you only need to pay the remaining 3% of the handling fee. In the case of early repayment, the remaining outstanding principal and the handling fee to be paid can be paid at the same time.

3. Huaxia Bank is actually an installment service of Huaxia Bank, which belongs to the cash installment business. If you apply for Huaxia State Noise Bank EDG, you do not need to guarantee and mortgage, and as long as it is in the credit line.

All of them can be borrowed in advance, and there is no handling fee for cash withdrawals, and the minimum repayment can also be made.

Operating environment: magicbook

microsoft edge

Hua Xia Bank.

There is no interest on the installment of Huaxia Yida Gold, and there is a handling fee, that is, a handling fee will be charged according to the principal every month. In fact, it is equivalent to interest.

Since the monthly handling fee, many people think that the interest rate for one year is not *12 months = 9%. Wrong, because Huaxia Yida Gold needs to repay the principal and interest every month, it is the same amount of principal and interest repayment, resulting in almost half of the efficiency of capital use, which is very different from the way of using the principal in full. So, the correct calculation is:

The above calculation results are further multiplied by a conversion factor to convert to the APR of one year of equal principal and interest. That's 9% * = 17%. That is to say, if the installment of Huaxia Yidajin is 12 months (that is, one year), and the effective interest rate is 17%, this "loan interest rate" is quite high, but it is basically the same as the rate level of domestic credit card installment, that is, the domestic credit card installment is basically at this interest rate level.

Of course, the installment period of Huaxia Yidajin is generally 36 months, so the conversion coefficient is a little lower than 12 months, but not much. In other words, the annual interest rate of the 36-month installment business of EDG is slightly lower than the annual interest rate of 17% of the 12-month installment, and the decrease will not exceed one percentage point.

Huaxia Yidajin repayment can be made directly through Huaxia Bank.

Mobile banking for repayment. You can **Huaxia Bank mobile banking, register and log in for real-name authentication, then select personal loan, you can see the products that need to be repaid, select Huaxia Yida Gold to see the amount of repayment and other information, and then select the amount that needs to be repaid and the repayment bank card to repay. The quota will be restored immediately after repayment, and it can be viewed on the page after repayment.

Operating Environment: Huawei NOVE65G Mobile Banking.

Extended Materials. With the care and support of the chief designer of reform and opening up, Huaxia Bank was established in Beijing in October 1992. In March 1995, the shareholding system was reformed; In September 2003, the initial public offering ** and listed for trading (****.

600015), becoming the fifth listed bank in China.

As of the first half of 2019, the total assets reached one trillion yuan, the total loans were one trillion yuan, and the total deposits were one trillion yuan. It has set up 42 first-level branches and 68 second-level branches in 110 cities above the prefecture level across the country, with a total of 1,017 business outlets and nearly 40,000 employees, forming an institutional system of "based on economically developed cities and radiating the whole brother and oak country". It has established 1,330 domestic and foreign companies, covering five continents.

334 cities in 102 countries and regions have built major trade zones covering the world.

of the settlement network. In the July 2019 ranking of the world's 1,000 banks by The Banker, Huaxia Bank ranked 56th in the world in terms of Tier 1 capital and 67th in the world in terms of asset size, up 9 places and 3 places respectively from the previous year. In the United States, Forbes.

In the magazine's 2019 list of the world's top 2000 listed companies, Huaxia Bank ranked 265th, up 24 places from the previous year.

Since its establishment, Huaxia Bank has been awarded the "Small and Micro Enterprise" for many times.

"Advanced Unit of Financial Services", "Most Socially Responsible Financial Institution", "Best People's Livelihood Finance Award in China's Banking Industry" and many other awards. On December 25, 2019, it won the 2019 People's Ingenuity Brand Award. On April 7, 2021, Zhang Wei, director of Huaxia Bank.

Submit a written resignation report and resign as a director of Huaxia Bank.

EDG is Huaxia Bank.

A kind of cash installment business was launched, and the so-called Huaxia Bank Yida Gold Card is the first new cash installment credit card in China.

Extended Information 1. Submit the application information.

1. ID card.

Proof: Copy of ID card.

2. Proof of work.

The company issues a bank-proof version of the income certificate.

3. Proof of income: the bank pays the salary on behalf of the bank and prints the salary flow for the past 6 months.

4. Proof of residence: address utility receipt or rental contract.

2. Loan conditions.

1. Income requirements: the monthly income before tax is more than 4,000 yuan, and the salary flow must be provided.

2. Working years: 6 months in the continuous working period of the current unit.

3. Place of work: the location of the loan.

4. Industry requirements: only support civil servants, administrative personnel, large state-owned enterprises formal staff, and Fortune 500 enterprises.

Middle and senior management applications.

5. Front-line operators, private owners and individual industrial and commercial households are not accepted for the time being.

and other self-employed persons.

3. Introduction of Huaxia Bank Yidajin 1. Huaxia Duan Split Bank Yidajin is a pure credit personal consumption loan implemented by Huaxia Bank.

2. This type of loan is a pure credit personal consumption loan implemented by Huaxia Bank, with a maximum loan amount of 500,000 yuan and a maximum loan term of 3 years. The applicant is required to have a monthly income of more than 4,000 yuan before tax, provide salary flow, and work in the current unit for half a year. This loan product only supports civil servants, administrative staff, official staff of large state-owned enterprises, and middle and senior managers of Fortune 500 companies.

For the time being, applications from self-employed individuals such as front-line workers, private owners and sole proprietorships are not accepted.

3. There is no need to provide collateral or other guarantees; The maximum loan amount can be 500,000; Loan tenure up to 3 years;

The loan can be disbursed within 9 working days at the earliest from the date of completion of the application materials.

InquiryHuaxia Bank shoutedThe repayment status of EDG can be made through Huaxia BankMobile BankingView.

EDG is a credit card product of Huaxia Bank, but it is actually a credit loan.

The Express Gold Credit Card cannot be used for card purchases, but it can be used to withdraw cash and transfer money, that is, it can be used to advance cash.

How to borrow money from Huaxia Bank.

To apply for Huaxia Bank YDG, applicants are required to have a stable job and income. Civil servants can apply for a credit line of more than 10 times their monthly income, and the credit line for ordinary office workers is generally less than 10 times their monthly income. After obtaining the credit limit, the cardholder can use the credit limit by withdrawing cash, transferring money, etc.

There is no cash withdrawal fee for Huaxia Yida Gold Card.

How to repay Huaxia Yidajin.

The Express Gold Credit Card can be linked to a debit card.

Automatic repayment can also be repaid through various channels such as Lakala convenient payment, fast money network repayment, UnionPay** inter-bank repayment, self-service device repayment, automatic binding repayment, ** repayment, Huaxia Bank counter repayment, and other bank counter transfers. If the Huaxia Standard Credit Card and the Huaxia Yida Gold Card are bound to the same Huaxia Debit Card for automatic repayment, the repayment order of the two accounts is to return the Huaxia Yida Gold Card account first, and then return the Huaxia Standard Credit Card account.

According to the users of ChinaAMC ECG, the annual interest rate of ChinaAMC EC is 9%, the monthly interest rate, and there is no need for any management fee.

Judging from this data, the interest of Huaxia Yidajin is not high.

If the loan is 1000000 yuan and the loan term is 12 months, the monthly handling fee is 10,000 yuan, and the total handling fee is 75 yuan 12 yuan = 900 yuan, which is also what you need to know when handling Huaxia Yidajin.

1. Installment handling fee standard.

1. The number of installments can be periods;

2. The monthly handling fee rate is 0%-1%;

3. The annual handling fee rate is 0%-22%.

Example: Mr. Zhang applied for a 10,000 yuan EDG business, which was repaid in 12 installments. The monthly handling fee rate is for a period of time, the principal payable in each period is RMB, the repayment fee is 75 RMB, and the handling fee for 12 installments is 900 RMB.

2. Repay the amount of the Huaxia Standard Credit Card and the amount of the Huaxia Yida Gold Card together.

The amount of the Huaxia Standard Credit Card and the amount of the Huaxia Yida Gold Card are repaid together, and the Huaxia Standard Credit Card account and the Huaxia Yida Gold Card account are separated, and after receiving the bill every month, the two accounts need to be repaid separately according to different card numbers according to the bill amount. If there is an overpayment in one of the accounts, it cannot be automatically transferred to the other account to repay the outstanding amount.