Is there a 24 installment? How long is the installment of 24 installments

OK. Ping An Credit Card provides both bill installment and single consumption.

The installment fee is charged as follows:

The number of bill installments and handling fee rates are as follows:

The number of installments and handling fee rates for a single consumption are as follows:

If the application of 20,000 yuan is divided into 12 installments, the handling fee is calculated according to the calculation, the monthly handling fee is 20,000 * yuan, the monthly repayment principal: 20,000 12 = yuan, and the monthly repayment is expected: yuan (the specific application shall prevail).

Bill installment application time: The bill installment application time period starts from one day after the bill is issued and can be applied until the due date of repayment + 1 day, for example, customers can apply for bill issuance on the 5th of each month, that is, from 6 to 24 days.

Here's how to apply:

Log in to credit card online banking and go through the "Installment Finance" in the operation interface.

After the customer handles the installment business, the installment amount of each installment is the principal of the installment, which is evenly distributed to the monthly bill according to the number of installments, and the remainder will be collected in the first installment. At the same time, the installment fee is also charged for each installment, and the rate of the handling fee is also different for different installments. If you apply for early settlement of instalment business, you will be required to pay the outstanding instalment balance and the outstanding handling fee in a lump sum, and will be included in the minimum repayment amount.

Legal analysis: installment payment of 24 installments, refers to 24 months, you only need to repay normally on the repayment date of each month, and it will be fine after 24 months, if there is an overdue status quo during the period, late fees will be charged, so it is recommended that you repay on time every month, and if the economy allows, it is best to repay in advance, 24 installments are long, and the total interest will be more. Brother Dou.

Early repayment is only charged for the current month's interest, and no interest is charged in the later period.

Legal basis: Civil Code of the People's Republic of China

Article 633: Where the seller delivers the subject matter in batches, and the seller fails to deliver one of the batches of the subject matter or the delivery does not conform to the agreement, resulting in the failure to achieve the purpose of the contract in the batch of subject matter, the buyer may terminate the batch of subject matter. If the seller fails to deliver one of the batches of subject matter or the delivery does not conform to the agreement, resulting in the delivery of the other subsequent batches of the subject matter failing to achieve the purpose of the contract, the buyer may rescind the batch and the other subsequent batches of the subject matter. If the buyer releases one of the batches of subject matter, and the batch of subject matter is interdependent with the other batches of subject matter, it may release the delivered and undelivered batches of subject matter.

Article 634:Where the buyer who has paid in installments fails to pay one-fifth of the total price and fails to pay the due price within a reasonable period of time after being reminded, the seller may request the buyer to pay the full price or rescind the contract. If the seller terminates the contract, it may request payment of royalties for the subject matter from the buyer.

For those who are a little stressed about repayment, the more repayment periods, the better. There are also many installment loan platforms on the market, which ones can be divided into 24 or more installments? The following are the 5 installment mobile phone software carefully sorted out for you.

Lending platform. 1. SPD Youth Loan.

Quota: 10 million to 300,000.

Number of instalments: 3 6 12 18 24 36 instalments.

Qualifications: 20-35 years old; Do not have a Shanghai Pudong Development Bank credit card in your name; College degree or above.

2. China Merchants Bank e-loan.

Quota: up to 300,000.

Repayment period: 3 installments, 6 installments, 9 installments, 10 installments, 12 installments, 18 installments, 24 installments.

Application conditions: Have a China Merchants Bank credit card in your name, and no bad credit record.

3. Installment immediately.

Quota: up to 200,000.

Interest rate: The monthly interest rate is around the same level.

Number of instalments: The maximum number of instalments can be 24 instalments.

Application conditions: Installment: The applicant has no bad credit record, is over 18 years old and under 55 years old, and has a proper occupation or identity; Cash loan: Applicants are generally required to provide proof of employment and identity, and family information, company information, and income are required.

4. Suning pays willfully.

Amount: up to 200,000, but generally the amount of Suning capricious payment for the first time will be relatively low, about 3,000 yuan - 8,000 yuan, and the quota of individual users with good qualifications can be high, reaching tens of thousands. Frequent use of capricious payment and multiple installments are helpful for raising the amount.

Duration: up to 5 years.

Loan disbursement: The speed is relatively fast, and the loan can be disbursed instantly.

2. What is the formula for calculating the interest of the installment loan?

The interest on installment loans is generally calculated on a monthly basis, and 1 installment is 1 month, and the calculation formula is: interest on each installment = remaining outstanding principal and monthly interest rate of the loan.

If you borrow 1,000 yuan and the monthly interest rate is 1%, then the first month's interest is 1,000 1% = 10 yuan, as for the monthly repayment amount, it depends on how many installments you repay and what the repayment method you choose.

To sum up, through the above content, we can know that there are loan apps that can be divided into 24 installments, and there are still some of them, such as our most common, Pudong Development Youth Loan, with a limit of 10 million to 300,000, China Merchants Bank E Loan, up to 500,000 yuan, immediate installment, 200,000 cap, Suning willful payment, the longest term is 5 years. The formula for calculating the interest on the installment loan: interest on each installment = the remaining outstanding principal and the monthly interest rate of the loan.

If you have any other related questions, please feel free to ask us.

If you have an urgent need for money, it is recommended that you must choose a reliable big brand, which is a credit service brand of Du Xiaoman Finance (formerly Finance), which is safe and trustworthy, and has the characteristics of simple application, fast loan, flexible borrowing and repayment, transparent interest and fees, and strong security. The application materials are simple, the fastest is 30 seconds for approval, and the fastest is 3 minutes for disbursement. Early repayment is possible, and the recovery limit can be revolving after repayment.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

Once you meet the above conditions, you can apply for a loan. **If you have money to spend on the app, enter the loan entrance, click to view my limit, fill in the information, confirm the information, and get the limit. Up to 200,000 yuan.

It is recommended to apply for a loan through bank channels, if you have a CMB savings card, you can log in to CMB mobile banking, click Home All Loans I want to borrow money Good term loan Try to apply for a small loan.

Loan amount: The minimum is not less than 500 yuan, and the maximum is 200,000 yuan, but the specific amount is subject to the results displayed by the system after your application is approved;

Repayment Method: Equal principal and interest repayment;

Loan term: Support monthly installments;

It is recommended that you choose formal channels for borrowing, such as bank channels;

If you apply for a small loan of less than 50,000 yuan, you can log in to our mobile banking first, click "My" - "All" - "Loan" - "I want to borrow money" to try to apply through this interface, or log in to Pocket Life to apply for credit card borrowing, which is subject to the review result.

In today's highly developed Internet finance, you can find a lot of loan apps in your mobile phone app store, but how to choose? Reminder everyone must pay attention to these points:

One. The product should be formal, whether it is a brand or product qualification, it is more reliable to choose a regular big brand, and the certification ** beware of black loan fraud;

For example, Du Xiaoman Finance's Money Spend is a regular loan app that belongs to the head. Youqian Hua is a pure online application platform, which is simple to apply, fast to lend, flexible in borrowing and repaying, and users can take the initiative to apply. The interest fee of the money is transparent, the big brand is more reliable, the interest rate is low, the daily interest rate is as low as the start, the interest rate of borrowing 10,000 yuan is as low as 2 yuan a day, and the maximum amount of borrowing is 200,000 yuan, which can meet the needs of most borrowers (click to enter the official money to learn more).

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

There are too many loan amounts needed.

Most loan platforms can be divided into 24 installments. For example:

1.Home Credit Home Credit Consumer Finance's loan products can be divided into 3, 6, 9, 12 and so on, in addition to 24 installments. As long as the customer is between the ages of 18 and 55, has a stable economic income, has worked in the current job for more than one month, and has good personal credit, he can apply.

2.The longest installment can be divided into 36 periods, and the number of installment periods is mainly 3 periods, 6 periods, 9 periods, 12 periods, 18 periods, 24 periods, and 36 periods (subject to the page display), and the maximum amount is 50,000 yuan. Of course, customers can also choose to borrow and repay at any time, which will be calculated on a daily basis, and some users can receive an interest-free 30-day offer.

3.Suning Wayward Loan Suning Wayward Loan provides 3 installments, 5 installments, 6 installments, 9 installments, 10 installments, 12 installments, 15 installments, 18 installments, 24 installments and other periods, and customers can choose freely. Of course, it is mainly subject to the system provision, if there is no option of 24 issues in the number of issues provided by the system, customers can only choose other periods.

The maximum credit line can reach 300,000 yuan, and the minimum daily interest rate of 10,000 yuan is 2 yuan.

4.Money-to-spend Money-Spend Privilege Loan can be divided into 24 installments, and there are different tenors to choose from. The maximum amount is 200,000 yuan, and the annualized interest rate starts, customers can also choose to borrow and repay at any time, borrow on the same day, and repay the loan the next day, with interest calculated on a daily basis.

Extended Materials. A loan is a form of credit activity in which a bank or other financial institution lends monetary funds at a certain interest rate and on the condition that it must be returned. Loans in a broad sense refer to the general term for loans, discounts, overdrafts and other lending funds.

By lending money and monetary funds to the bank, the bank can meet the needs of the society for supplementary funds for expanding reproduction and promote economic development, and at the same time, the bank can also obtain interest income from loans and increase the bank's own accumulation.

The purpose of commercial banks in formulating loan policies is, first of all, to ensure the coordination and consistency of their business operations. Lending policy is the overarching principle that guides every lending decision. An ideal lending policy can support banks to make sound lending decisions and contribute to the bank's operations. Secondly, it is to ensure the quality of bank loans.

The right credit policy can keep a bank's credit management at an ideal level, avoid excessive risk, and enable the proper selection of business opportunities. The loan method is the way in which the bank issues loans to the business. According to the different ways of loan guarantee, it can be divided into credit loan, guaranteed loan and bill discounting.

A line of credit is a loan made solely on the creditworthiness of the lender; Secured loans refer to guaranteed loans, mortgage loans and pledged loans; Bill discounting refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper, which can be regarded as a special form of pledged loan. At present, there are three types of credit funds in China, namely, direct lending, indirect lending, and buying and selling loans.

Consequences of 24 installments of credit card: Users need to repay on time for 24 consecutive installments, which has a certain risk of overdue; Instalment fees will be incurred in 24 instalments; The user's credit card limit will not be fully restored until it is paid off in installments; It can reduce the pressure of monthly repayment. If it is overdue, some banks even require the cardholder to pay liquidated damages, which is calculated to be higher than the installment rate.

Credit card. There are two kinds of installments: consumption installment and bill installment, the specific number of installments is determined by the bank, and the maximum installment period of each bank is different, most banks support 24 installments, but whether the installment can be successful or not has to pass the bank's review, the bank will allow the installment to meet the conditions of credit card transactions.

Note that the processing time of consumption installment and bill installment is different, consumption installment is paid at the same time, and bill installment can only be processed during the period from the bill to the repayment date. Many banks and merchants often launch 24 interest-free installments in cooperation with merchants, and this kind of difficult installment is actually a consumption installment.

Extended Information: Notes on Credit Card Installments:

Although the longer the installment period, the smaller the monthly repayment amount, the less repayment pressure, and the lower the interest rate, the more the total handling fee is calculated.

It should be noted that if you want to repay the loan early after the installment.

The handling fee is usually charged and the credit card cannot be raised during the instalment period.

For credit card installment, different banks have different regulations, which can be divided into 3 installments, 6 installments, 12 installments, 18 installments and 24 installments, and the longest installment does not exceed 36 installments, depending on the regulations of the card-holding bank.

When consumers are not satisfied with the goods or the goods have quality problems and return them, most of the handling fees that have been charged by banks will not be refunded, and consumers who pay the handling fees at one time will lose more.

When applying for an installment, it is also necessary to be clear whether you need to pay the handling fee in a lump sum or collect it in installments, and it needs to be understood that regarding the handling fee, no matter what kind of payment method it is.

As long as you select the number of installments, the handling fee cannot be changed, and even if you repay the loan early, the handling fee is not less. After the installment, even if you have the ability to repay the loan early, you can't reduce the cost of the installment.

When a cardholder applies to the Bank for cash installment, it is deemed that the cardholder accepts all the terms and conditions of the business, and the Bank has the right to independently decide whether to approve the cash installment application based on its internal business regulations and commercial judgment.

The principal amount of each instalment payable is equal to the amount of instalments applied (the "instalment amount") divided by the number of instalments, and the instalment handling fee is on the first statement date.

Charge. The principal and handling fee of each installment payable will be included in the minimum repayment amount of the account.

It must be repaid in full in a lump sum.

Once the application for cash instalment is successful, the cardholder cannot apply for revocation.

Overlimit fees and late fees incurred by cash installments.

and other fees are based on the "XX Bank Credit Card Regulations" and "Credit Card".

Receipt contract (personal card)" will be charged on the basis of the collection.

When the cardholder fully repays the repayment amount of the current macro period listed on the bill before the due date, the principal and handling fee of the current installment payment will enjoy an interest-free period. If the cardholder fails to repay the loan on time, the bank has the right to charge the corresponding interest and fees according to the interest and fee calculation rules of the credit card.