How to access the loan calculator of personal mobile banking of BOC?

1. How to access personal mobile banking loan calculator of China Bank?

China Bank's personal mobile banking "loan calculator" function entrance: mode 1: directly enter "loan calculator" in the search box at the top of the homepage, and then select "loan-loan calculator" to enter; Method 2: Click-More Functions-On the homepage of loan function, slide the icon area of specific function to the left and select "Loan Calculator" to enter. The above contents are for your reference. Please refer to the actual business regulations.

2. How to calculate the personal loan calculator of China Bank?

1, short-term personal consumption loan

It is a loan within six months (including six months), and the personal consumption loan interest rate is 5.6%. If it is more than six months, but within one year (including one year), the loan interest rate is 6%.

2. Medium-term personal consumption loans

The loan term is more than one year, but within three years (including three years), and the personal consumption loan interest rate is 6. 15%. For more than three years, but within five years (including five years), the personal consumption loan interest rate is 6.4%.

3. Long-term personal consumption loans

Personal consumption loans for more than five years, the loan interest rate is 6.55%.

Personal consumption loan interest rates generally rose, personal consumption loan rules were updated, and interest rates were adjusted.

The use of personal consumption loan calculator

Nowadays, many people spend a lot of money. If they don't come yet, they will consider applying for personal consumption loans. Before applying for a loan, they will check the interest rate and repay the monthly payment. At this time, if you use the personal consumption loan calculator, you can easily know the interest and monthly payment.

1, open the personal consumption loan calculator;

2. Choose the repayment method that suits you, such as equal repayment and monthly increase;

3. Enter your loan principal;

4. Enter your loan term, within 30 years;

5. Enter the annual interest rate of the loan you applied for at that time, such as the benchmark interest rate of China Bank;

6. Click "Start Calculation" and you will get the principal and interest of your monthly repayment.

Matters needing attention: Calculate the repayment method, monthly payment, total interest and total repayment of equal principal and interest of average capital of commercial loans. Short-term loans generally use a one-time repayment of principal and interest or a one-time repayment of principal by installments, and this calculation method is not applicable.

Calculation of personal consumption loan interest rate

There are two methods to calculate personal loan interest: average capital method and equal principal and interest method.

Average capital method: average capital repayment method of housing mortgage loan means that the lender distributes the principal to each month and pays off the interest from the previous trading day to the repayment date. Compared with the matching principal and interest, the total interest cost of this repayment method is lower, but the principal and interest paid in the early stage are more, and the repayment burden is reduced month by month.

Matching principal and interest method: during the repayment period, the loan with the same amount (including principal and interest) is repaid every month.

The specific calculation formula of personal consumption loan interest is as follows:

The calculation formula of average capital repayment method: the repayment amount of each installment in the average principal repayment method = loan principal ÷ the number of loan installments (principal-accumulated amount of repaid principal) × installment interest rate.

Calculation formula of equal principal and interest repayment method: repayment amount of each installment of equal principal and interest repayment method = [loan principal × monthly interest rate ×( 1 interest rate )× repayment months ]=[( 1 interest rate )× repayment months-1]

3. How to use China Bank Mobile Banking Golden Bean?

May check cash and gifts by himself.

How to exchange golden beans:

1. The sharer can convert the golden beans into the accumulated interest of 0. 1g (self-service checks can be used as cash), log in to the mobile banking of Bank of China with the mobile phone number participating in this activity, and query and exchange the golden beans through "My"-"Gift Card Voucher". The communication time is from 9: 00 to 22: 00 every Monday to Friday. New customers need to use the debit card of China Bank (or the second-class account) to sign up for accumulated rights and interests to complete the exchange. The customer should have reached the age of 18 when signing the accumulated benefits, and the risk rating should not be lower than that of stable.

2. The maximum amount of the sharer's gift is 300 golden beans, and the obtained golden beans will be cleared according to the activity cycle, and the unconverted golden beans will be invalid.

Activity details:

1. The sharer used the friends who participated in the activity to become real-name registered users. The activity-activity page inquired that the sharee registered successfully.

2. Friends must be the first to participate in this activity only once.

3. The phone coupons taken by customers who have registered with BOC Mobile Banking before participating in the activity will not be used. Not applicable to customers who have registered/started mobile banking.

4. Non-BOC customers can open BOC Class II electronic accounts in mobile banking through other bank accounts (ICBC, CCB, ABC, Bank of Communications, Postal Savings Bank) and register and bind mobile banking cards.

China Bank has five functions: full inquiry of mobile banking, personalized customization of home page module, service in Hong Kong and Macao, one-click locking of credit card supplementary card and optimization of fund supermarket, which is convenient for customers to use efficient mobile financial services.

Bank of China Mobile Banking took the lead in launching the inquiry service of human feelings report, which has now covered 16 provinces and cities such as Beijing, Guangzhou and Shenzhen. After logging in, local users can apply for quick download and save the report anytime and anywhere.

In order to meet the personalized needs of users, BOC Mobile Banking supports users to configure their own mobile banking homepage. At the top of the homepage, users can self-check common functions such as "BOC Headlines" and "Settlement of Foreign Exchange Purchase", common products such as "BOC Wealth Management" and "Funds", and common tools such as "Loan Calculator", which is convenient and quick to use. Bank of China Mobile Banking will also rely on cutting-edge technologies such as big data and cloud computing, understand users' preferences and needs according to multi-dimensional data tags, and make intelligent recommendations.

After this upgrade, BOC cardholders can use their mobile phone numbers in Hong Kong and Macao to self-register, log in and use mobile banking, and can receive SMS verification code information through the mobile phone numbers filled in at the time of registration.

In order to prevent the risk of credit card being stolen, Mobile Banking of Bank of China introduced the function of "one-key card locking" for credit card secondary cards: by opening the "one-key card locking", the transactions of secondary cards can be controlled.

China Bank's mobile banking "fund supermarket" was optimized and upgraded to "performance ranking". By default, fund products are displayed from high to low according to the ups and downs in recent 1 month. At the same time, the price information of recent 1 week, recent 3 years and recent 5 years, as well as the self-inspection of fund products were added. The self-inspection service section has been upgraded, with richer and more complete information and more beautiful and clear display.

In addition to five new service functions, China Bank's mobile banking has also carried out preferential activities such as fee concessions for transfer and remittance, sharing and registration of golden beans, and random reduction and exemption of telephone charges.

Mobile phone: huaweinova5pro Mobile banking: Bank of China v.7. 1.7.