Have people who have used GF cards apply for Caizhi Fund? Is the processing fee expensive?

Caizhijin is the cash installment of GF credit card, which is a credit card service for cardholders to repay in installments through overdraft transfer, cardholders can apply to our bank for a cash advance and repay in monthly installments by paying a certain handling fee, that is, overdraft cash installment repayment business. If the application is successful, the Bank will deduct a sum of funds not exceeding the total credit line from the credit card and transfer it to the settlement account of the domestic bank with the same name designated by the Bank through overdraft transfer.

Caizhi Gold can be divided into ordinary Caizhi Gold and exclusive Caizhi Gold, ordinary Caizhi Gold can choose 3 6 12 18 24 periods, and the corresponding handling fee rates for each period are respectively, and the annualized interest rates are respectively; Exclusive (large) Caizhi Gold can choose 6 12 18 24 36 installments, and the corresponding handling fee rates for each period are respectively, and the annualized interest rates are respectively. Handling fee for each period = approved issuance amount * benchmark handling fee rate for each period, deducted on a period-by-period basis.

The handling fee rate of each period, whether it can be successfully handled according to the corresponding number of installments and the minimum amount is subject to the review result, and the payment will only be used for the specified consumption purposes.

It is very cost-effective, and it is still necessary to collect the back after paying it off in advance, so it is recommended not to handle the business of Caizhijin, which specializes in defrauding people who don't understand.

I just borrowed cash from Caizhijin last month to turn over, and the first time I applied for a preferential handling fee rate, I applied for 20,000 yuan, which was repaid in 12 installments, and each period only needs to repay the handling fee in addition to the principal, which I don't think is expensive.

In the case of GF Credit Card, the repayment amount of each installment after applying for Caizhijin = installment principal number + installment principal * handling fee rate of each installment;

The principal and handling fee of the first instalment will be deducted on the day of successful processing, which is the monthly deduction date of the instalment, and the repayment amount of each instalment will be credited to the credit card statement according to the statement cycle, so it is recommended that you repay the loan on time according to the current bill amount.

The base rates are as follows:

You can flexibly choose 3 6 12 Forest Travel 18 24 periods, and the corresponding handling fee rates for each period are respectively and the corresponding annualized interest rates.

Yes, monthly instalments. Lu Chunshi.

Response time: July 29, 2021, please refer to the announcement on the official website of GF for the latest business changes. ）

The main installment period of ordinary financial wisdom fund is 3-24 months, which can meet your short-term and consumption needs; The number of premium instalments is 6-36 months, etc., and the amount is larger. In addition, according to the natural day of repayment, according to the remaining principal, Lu Huaihui early answer handling fee, according to the monthly interest rate of repayment.

China Guangfa Bank provides a very cost-effective cash installment product for whitelist customers, called Caizhijin, many borrowers don't know much about it, today we will introduce how Guangfa Caizhijin is? Is it a good deal?

1. What is GF Caizhi Fund?

China Guangfa Bank deducts a sum of cash from the credit card that does not exceed its total credit line through overdraft transfer, and directly transfers it to the debit card in my name.

Therefore, in fact, GF Caizhijin is a credit card installment product, which is withdrawn from the card limit and then installed.

Second, the advantages of GF Caizhijin

1. The quota ranges from 1,000 to 300,000 yuan;

2. Fast audit, real-time review, and the fastest 60 seconds to the account;

3. Long loan term, 3-36 months;

3. Is GF Caizhi Gold cost-effective?

If you get the lowest discount handling fee rate, then it is still more cost-effective, the 6-period benchmark handling fee rate is similar to the credit card bill installment rate, if there is a discount on the handling fee, the minimum is to borrow 10,000 yuan per month with interest of only 50 yuan, or you can.

However, the handling fee rate depends on the personal qualification, which is subject to the time of review, and you can compare the credit card installment rate at that time.

In this case, you can apply. Application conditions for China Guangfa Bank Caizhi Fund:

1. Hold a credit card of China Guangfa Bank.

It is necessary to apply for a GF credit card, and use it normally for more than 3 months, and the card must not have abnormal conditions, such as overdue arrears, freezing, loss reporting, etc.

2. The available quota exceeds 1,000 yuan.

Since the amount of GF Caizhi ranges from 1,000 yuan to 300,000 yuan, the minimum cash withdrawal limit is 1,000 yuan.

3. Good credit information.

Must have good credit, can not have overdue arrears, cash out suspicion, if by the bank risk control, will basically enter the "small black house", unable to apply.

4. Personal qualifications.

If you have a stable income, have bought investment and wealth management in Guangfa Bank, and have deposits, it is easy to apply for GF Caizhi Fund.

China Guangfa Bank has a business called Caizhijin. This kind of rolling Luzhou business is relative to credit card customers, which refers to the business that the bank can lend you a sum of cash in advance according to your credit status, divided into several installments, and pay a fixed principal and handling fee for each period.

1. First of all, the customer must have a credit card of China Guangfa Bank. The amount applied for is related to the credit card limit, which means that the maximum amount of the credit card will not be exceeded, and it depends on the bank's approval, and it may not be able to reach the applied limit.

2. The second step, if you use the card a lot, or the bank feels that the credit situation is good, it will take the initiative to send a message to the customer to invite the Caizhi Fund, if there is no information invitation, you can call the bank ** to apply. **Select Caizhi Gold Installment according to the prompts, and it will be transferred to the manual service.

3. After that, it will confirm whether the customer is eligible to apply for Caizhi Fund, and what is the amount of money that the customer can apply for, and then select the amount to apply for and the number of installments to be divided. Caizhijin is now 3-60 periods, but in fact, it is generally required to choose 3-24 periods. It may also depend on the customer's credit status.

The handling fee for all phases is the same, and sometimes it will be a little lower if there is an event discount.

4. Caizhijin should also be transferred to any bank account designated by the customer, as long as the bank account with the same name as the customer is on the line. However, inter-bank transfers will deduct a handling fee of 20 yuan. The whole amount of Caizhi Fund is transferred in a lump sum, and only one handling fee will be charged.

5. Then there is the approval, and the time of approval is also different according to the credit situation of each person. If you apply now, it will be approved in an hour or two, and the money will be transferred to the designated bank account.

Precautions: 1. The approved Caizhi fund is not necessarily the amount applied for. For example, the application is 20,000 yuan, but the actual application may be less than 20,000 yuan.

2. If you successfully apply for Caizhi Fund, it may occupy the limit of the credit card, sometimes it may be the full amount, and sometimes it may only account for a part.

China Guangfa Bank's Caizhijin is a cash installment product, with a limit several times that of a credit card, which is suitable for friends who urgently need a large amount of funds for long-term turnover. However, there are many people who are struggling with the question of whether Caizhi is cost-effective, in fact, this still needs to be compared and analyzed according to their own needs and circumstances, so let's give you an example.

Is GF's Caizhi Gold cost-effective?

Some netizens posted that Caizhijin is very cost-effective, because he bought a car with Caizhijin, compared with the mortgage of a 4S store to buy a car, Caizhijin's interest rate is relatively low, and in addition to paying the handling fee, there will be no other fees involved, and more importantly, Caizhijin relies on Guangfa Bank, which is relatively reliable.

The netizen said that he was still 50,000 yuan short of buying a car, and he learned about the mortgage service of buying a car in the 4S store, and found that he needed to pay a 5% loan handling fee, 50,000 yuan is 2,500, and he also had to bind the car insurance service, and he could not buy insurance by himself, and he didn't know about the car loan institution that the 4S store cooperated with, so he was not very assured.

So I applied for 50,000 yuan of Caizhi gold, divided into 12 installments, the original handling fee, but as long as the discount is down, the total handling fee is only 2460, and the mortgage fee of the 4S store is 2500, not counting the mortgage rate, so which is the best deal, a comparison can be seen.

The above is the relevant introduction of "Is GF's Caizhi Gold Cost-effective", I hope it will be helpful to you. In fact, as far as a credit card cash installment product is concerned, the interest rate after the discount of GF Caizhijin is really very conscientious, you must know that the handling fee of credit card bill installment of most banks is basically above, and even the handling fee of the four major state-owned banks is not necessarily lower than that of Caizhijin.

1. Call GF credit card customer service 95508 to apply, the most formal way! You will probably know how much money you can apply for on the spot.

2. Online banking application.

3. Mobile banking application.

Attached: Introduction to Caizhijin (Party A is a bank, Party B is a customer).

The first product introduction.

"Caizhijin" product is an overdraft transfer installment repayment service provided by Party A for Party B within the total comprehensive credit line of all GF credit card accounts under Party B's name. For Party B who has been approved, Party A shall deduct a sum of cash not exceeding its comprehensive credit line from its credit card (referring to the credit card designated by the customer when applying for this product or the "Caizhijin Repayment Credit Card" provided by Party A to a specific customer) by way of overdraft transfer, and transfer it to the domestic bank savings account with the same name designated by Party B. Party B can choose to repay the principal and handling fee in installments of 6 12 18 24 36 (one installment per month), and the principal and handling fee payable in each installment will be deducted from Party B's credit card for "Caizhi Gold".

Article 2 Product Business Rules.

1.Party B can apply for this product in the ** way. Party B should carefully read all the terms of this product before making an application, and Party B shall be deemed to have accepted all the terms of this product when making an application.

2.After receiving Party B's application, Party A will approve and call Party B within 3 working days to check the relevant information, please pay attention to Party A** (020-22395508 or 95508), and cooperate with Party A to check the relevant information, if the applicant has not received any notice from Party A within the time limit, you can call Party A's 24-hour customer service **95508 for inquiries.

3.Party A has the right to approve the amount of "Caizhijin" according to Party B's credit history, and the amount of "Caizhijin" is subject to the approval of Party A.