In order to solve the redemption problem of Evergrande's wealth management products, Evergrande announced three redemption schemes for investors to choose from: cash installment payment, physical asset payment and payment to offset the final payment of house purchase. Investors can choose one of the three schemes, or they can pay in any combination of two or three schemes.
Option 1: Cash installment
1. Cash installment range: investment products with expired contracts.
2. Cash installment amount: the principal of the investment product and the agreed interest will reach the product maturity date, and no interest will be accrued after the product expires.
3. Cash installment arrangement: after the investment product expires, pay 65,438+00% of the above-mentioned "cash installment amount" on the last working day of the due month, and then pay 65,438+00% on the last working day of the third month every three months until the above-mentioned "cash: installment amount" is fully paid off.
Option 2: Pay for tangible assets
1. Redemption scope of physical assets: investment products whose contract term has expired, and investment products whose contract term has not expired, but investors require to redeem physical assets in advance.
2. Redemption amount of physical assets:
(1) For the investment products whose contracts expire, the redemption amount of physical assets is the principal of the investment products and the contract interest on the maturity date of the products. No interest will be generated after the product expires.
(2) For the investment products whose contract term has not expired, the redemption amount of the physical assets is the principal of the investment product and the interest as of the date when the investor requests to redeem the physical assets in advance. No interest will be charged after investors demand early redemption.
(3) Investors can demand to cash in the physical assets in advance at any time in the second half of each month before the product expiration date.
Option 3: offset the payment of the final payment of the house purchase.
1. Final payment of house purchase: refers to the unpaid final payment of Evergrande Real Estate subscribed before September 65438+24:00, 2002.
2. Offset redemption amount:
(1) For the investment products with expired contracts, the redemption amount is offset by the principal of the investment products and the contract interest on the product expiration date. No interest will be generated after the product expires.
(2) For investment products whose contract term is not full, the amount of deduction and redemption is the principal of the investment product plus the interest on the day when the investor requests to deduct the final payment of the house purchase in advance. No interest will be charged after investors demand early redemption.
3. Investors can use all or part of the "deduction redemption amount" to deduct the final payment of the house purchased by themselves or others.