At present, China Merchants Bank can handle loans and installments, and you can choose according to your own needs.
If you need a loan, you can apply for a loan through China Merchants Bank with a CMB card. There is no prophase. If you are already a user of China Merchants Bank and have downloaded China Merchants Bank's mobile banking, you can try to log in to mobile banking. My-all-loans-I want loans.
If you have a credit card, you can log in to mobile banking, and click "Card". Finance "-"I want to borrow money "depends on the audit results.
Non-CMB cards (areas without CMB) can try to apply for CMB's "e-loan", and you can review the loan online in 5 minutes at the earliest.
If you want to apply for installment with China Merchants Bank's credit card, you can first confirm whether to cooperate with the bank. If not, log on to the palm life of China Merchants Bank to see if there are any cooperative merchants. At present, China Merchants Bank Mall can apply for installment, free of freight and interest.
If you can't apply for merchant installment, China Merchants Bank credit card can consider applying for bill installment and e installment.
Installment of bills (only holders of business cards, business cards (including financial business cards), purchase cards, ANA protection cards or supplementary cards cannot apply): you can enjoy interest-free period but there is a handling fee. Cost per period = total number of periods × rate per period. The minimum charge for each installment is 5 yuan, and the charge for each installment = total amount = single installment rate. At present, there are 2 -36 installments, and the single installment rate is 0%~ 1.67%.
E installment is used for temporary storage of RMB bills. There is an exclusive e installment account, and the installment amount does not occupy the credit line. And bill installment are two different functions, and bill installment will occupy the credit line.
Second, the real estate project supervision plan?
In order to further strengthen the supervision and management of the real estate market in our city, standardize the order of the real estate market, and promote the healthy and stable operation of the real estate market in our city, this plan is formulated according to the spirit of relevant documents of provinces and cities and the actual situation of the real estate market in our city.
I. Guiding ideology
Thoroughly implement the spirit of provincial and municipal leaders' speeches and document requirements, further standardize the pre-sale (sales) behavior of commercial housing, promote the stable and healthy development of the real estate market, adhere to supervision and management according to law, give full play to the functional advantages of relevant departments around the outstanding problems in the real estate market, severely crack down on false propaganda, infringement of consumers' rights and interests and various illegal acts in the real estate field, promote the sustained and healthy development of the real estate market in our city, and effectively curb illegal acts in the real estate field through rectification, and the market order has improved significantly.
Second, the key content of rectification
Conduct a comprehensive investigation and clean-up of the sales places (exhibition consultation centers) and intermediaries of real estate development projects within their jurisdiction, and focus on the investigation of projects, companies and institutions with complaints and reports.
(a) illegal pre (sales) behavior
1. Failing to obtain the pre-sale permit or to pre-sell the commercial housing within the approved scope of the pre-sale permit, illegally collecting various deposits (deposits) or "goodwill funds" or "intentional funds" in the nature of pre-sale funds by subscription (including reservation, registration, number selection, etc.). ) or apply for a VIP card;
2 real estate development enterprises have not obtained the qualification certificate (or the qualification certificate is invalid) to sell commercial housing;
3. Real estate development enterprises entrust unqualified institutions to act as agents for the pre-sale (sales) of commercial housing;
4. Intermediaries release housing information without the written authorization of the property owner, and conceal mortgage, seizure and other information that affects housing transactions;
5 intermediary agencies provide intermediary services for affordable housing and houses that do not meet the trading conditions;
6. Failing to formulate the sales plan and record the pre-sale contract of commercial housing as required;
7. After obtaining the pre-sale permit, all pre-sale houses are not publicly sold within the specified time;
8. Publish false information, speculate on house numbers, hoard property and hoard houses;
9. Inducing, instigating and assisting the purchaser to defraud the qualification of purchasing a house, defrauding the withdrawal (lending) of the housing provident fund, and evading the loan restriction by forging proof materials;
10. The intermediary conceals the real house transaction information from both parties, sells (rents) the house at a low price, and earns the price difference.
(2) Illegal acts at the sales site
1. Failing to publicize relevant documents (state-owned land use right certificate, construction land planning permit, construction project planning permit, construction permit, pre-sale permit of commercial housing) and demonstration text of commercial housing sales contract as required;
2. All the houses and prices are not disclosed, and the pre-sale (sales) information such as the basic information of commercial housing, sales progress and rights status (such as seizure, mortgage and restriction) is not publicized in time, comprehensively and accurately on the online filing system and sales site;
3. Take false subscription means to create a hot atmosphere of real estate, drive up housing prices, or connive at staff and hire others to speculate on housing prices, disrupting market order;
4. Commercial housing sales are not clearly marked, selling houses above the marked price or charging unspecified fees;
5. The intermediary agency fails to clearly indicate all service items, service contents, charging methods and charging standards in the business premises, and the service is not separately priced.
(3) false propaganda.
1. Publish real estate advertisements without pre-sale conditions;
2. The commercial housing pre-sale advertisement does not specify the commercial housing pre-sale permit number;
3. Real estate advertisements are false about the name, area, price, use, location, surrounding environment and supporting facilities of real estate projects;
4. Real estate development enterprises sell commercial housing in the form of returning capital or disguised returning capital;
5. Real estate development enterprises sell unfinished commercial houses by after-sales charter or disguised after-sales charter.
(4) Contract fraud
1. Failing to sign a standard commercial housing sales contract with the purchaser as required;
2. The format or terms of the commercial housing sales contract exempt itself from liability, aggravate the responsibility of the purchaser or exclude the legitimate rights of the purchaser;
3. Before the termination of the commercial housing sales contract, the commercial housing that is the subject matter of the contract is sold to others;
4. Force the buyer to accept the price of the goods or services by tying or attaching conditions;
5. Occupy or misappropriate trading funds, detain the deposit without justifiable reasons, and refuse to unsubscribe from the deposit;
6. Advance the down payment for the purchaser or advance the down payment in disguised form by installment, and provide or cooperate with other institutions to provide illegal financial products and services such as down payment loans;
7. The intermediary agency fails to fulfill the obligation of written notification, and forcibly provides services such as agency transfer, loan, guarantee, evaluation and notarization, and fails to stipulate and charge additional fees in the real estate intermediary service contract;
8. Intermediaries induce, instigate and assist both parties to sign a "Yin-Yang contract".
Third, hell to pay.
All kinds of illegal acts found in real estate development should be corrected according to law, with top discretion and heavy punishment, and investigation and punishment should be intensified. Illegal pre-sale (sales) behaviors reported by the masses and exposed by the media should be intensified in law enforcement inspection and severely punished according to law. Depending on the seriousness of the case, measures can be taken such as written warning, ordering rectification within a time limit, interviewing the main person in charge of the enterprise, suspending business for rectification, canceling the qualification of online signing, administrative punishment, public notification, and inclusion in the list of serious illegal and untrustworthy enterprises. Violation of laws and regulations should be handled by other departments, and should be promptly handed over to the relevant departments for legal treatment. Anyone suspected of committing a crime shall be transferred to judicial organs for criminal responsibility according to law.
Fourth, the job requirements
Fully understand the great significance of standardizing the real estate pre-sale (sales) behavior and maintaining the order of the real estate market to stabilize the real estate market. Strengthen public opinion propaganda to achieve practical results. Important situations and major cases found in the investigation and rectification work should be reported to the superior in a timely manner. Regularly release information, establish a special action information release mechanism, strengthen policy interpretation through various media, positively guide public opinion, regularly focus on exposing typical cases of violations of laws and regulations, respond to social concerns in a timely manner, and create a good public opinion environment for the real estate market. Publish legal construction projects in the real estate field to the social authorities to remind the public of the risks of buying houses and prevent people from buying illegally built houses.
3. How to pay by installment?
There are two ways to apply for installment payment:
Telephone application: the cardholder can call the bank credit card center to transfer to manual customer service and apply for cash installment from the customer service staff. According to your actual situation, choose the number and amount of staging. Just explain the debit card and the reason for borrowing to the customer service staff.
Online banking application: the cardholder logs into the bank official website and chooses to apply for cash installment. Choose the number and amount of installments according to your actual situation, bind the debit card, and indicate the reason for borrowing.
Extended information installment payment
Installment payment is mostly used for some product transactions with long production cycle and high cost. Such as complete sets of equipment, large vehicles, heavy mechanical equipment and other products.
Installment payment means that after the import and export contract is signed, the importer pays a small part of the payment to the exporter as a down payment, and most of the rest is paid in installments after part or all of the products are produced and shipped, or after the goods are installed, debugged, invested and guaranteed. Payment methods for purchasing goods and services.
The buyer and the seller sign a contract at the time of transaction, and the buyer pays the goods and services to the seller in installments within a certain period of time. The date and amount of each payment are stated in the contract in advance.
Market implication
Installment payment is actually a loan provided by the seller to the buyer. The seller is the creditor and the buyer is the debtor. The buyer can get the goods or services he needs only by paying a small amount of money, but because the interest is included in the future installment, the amount paid for the same goods or services by installment is more than the amount paid in one lump sum.
On the one hand, installment payment can enable the seller to complete the promotion activities, on the other hand, it also provides convenience for the buyer.
behavior characteristics
Installment payment means that after the import and export contract is signed, the importer pays a small part of the payment to the exporter as a down payment, and most of the rest is paid in installments after part or all of the products are produced and shipped, or after the goods are installed, debugged, invested and guaranteed.
Installment payment is actually a loan provided by the seller to the buyer. The seller is the creditor and the buyer is the debtor. The buyer can get the goods or services he needs only by paying a small amount of money, but because the interest is included in the future installment, the amount paid for the same goods or services by installment is more than the amount paid in one lump sum.
The buyer and the seller sign a contract at the time of transaction, and the buyer pays the goods and services to the seller in installments within a certain period of time. The date and amount of each payment are stated in the contract in advance.
Baidu encyclopedia-installment payment