However, the handling fee for early settlement of e-loan is not reduced. When handling the early settlement, it is necessary to pay off the unpaid installment allowance and the remaining installment fee in one lump sum, and the fees already collected will not be refunded.
E-loan of China Merchants Bank is a short-term cash credit business with daily interest for eligible credit card holders.
After the application is successful, the money will be transferred to the valid one-card account opened by the cardholder in China Merchants Bank or the debit card of other banks supported by China Merchants Bank (the account opening certificate must be the same as the bank's credit card).
This money can not be used for investment, such as house purchase, stock and futures investment, but can only be used for consumption, such as decoration, home appliances, wedding, car purchase, student aid, tourism and medical care.
"e-loan" has an independent bill, and the date of the bill is the same as that of the personal credit card. The interest generated in each billing cycle will be summarized into the "Cyclic Interest" of the current bill. Repayment needs to be made to the "e-loan" account separately.
From the date of handling to the date of settlement, interest will be charged at the rate of 4/10000 per day, with compound interest on a monthly basis.
You need to make a separate e-loan account for repayment.
If you choose online banking, pocket life and mobile banking, you can transfer the money to the debit card account of China Merchants Bank or other banks in your name (currently supported banks are: ICBC, Agricultural Bank, Bank of China, China Construction Bank, Bank of Communications, Postal Savings, China Everbright, CITIC, Xingye, Shanghai Bank and Ping An Bank, among which Bank of Communications, Shanghai Pudong Development Bank. Ping An Bank debit card needs to open UnionPay online function); If you use customer service telephone voice service, the money can only be transferred to China Merchants Bank Card in your own name.
The timely repayment of e-loan of China Merchants Bank has increased the fixed amount, and its use characteristics are as follows:
Lightning loan: no materials, no mortgage, online application, the fastest 30 seconds to complete the application.
Exclusive limit: independent e-loan account, exclusive cash limit, up to 30W, separate bookkeeping and separate repayment.
The first evaluation will call the interface of China People's Bank (that is to say, the credit report will be checked). If successful, an account will be added, and the loan will be credited to a debit card at one time (supporting multiple banks).
Daily interest calculation: the daily interest rate is 0.05% (0.04% during the promotion period), and the e-loan can be paid off at any time without affecting the personal account.
Flexible repayment: only the minimum monthly repayment is required, and the minimum repayment is calculated according to 10% of the total debt on the billing date. Pocket Life Application Process: Log in to Pocket Life App and select Card. Pay "→e", and you can try to apply, and the system will give the audit results in real time.