How to calculate the handling fee for prepayment by installment?

1. If the handling fee is charged in full, there is no need to pay any fees, as long as the outstanding principal is returned;

2. If the handling fee is collected by stages, the remaining undistributed handling fee does not need to be collected, but the prepayment penalty is 3% of the prepayment amount.

Handling fee: expenses incurred in the course of handling affairs. The term "service fee" is interpreted as "procedures for doing things". For example, handling "loan procedures", "transfer procedures" and "securities trading procedures" and so on. Therefore, "handling fee" can be interpreted as: a kind of labor remuneration charged for handling related matters on behalf of others; Or for the client, it belongs to the corresponding remuneration paid by others for handling related matters. Such as: securities transaction fees, agent ticketing fees, withholding fees, national debt agency fees and so on.

There are two kinds of fees in the banking system:

1. The interest other than the loan is collectively referred to as the handling fee. Such as: interest generated by installment repayment of credit cards, interest generated by overdue credit cards;

Second, the cost of handling business in the bank.

1 Industrial and Commercial Bank of China: the card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 300 yuan. In 3 yuan/quarter, our debit card in the same city is free of handling fee, and the inter-bank withdrawal in the same city is 4 yuan/transaction; Credit card deposits in different places are free of handling fees, and the minimum for each withdrawal is 1% of the amount charged, and the maximum is 1 yuan, and the maximum is 50 yuan.

2. Agricultural Bank of China: the credit card processing fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 3 yuan, 300 yuan/quarter, and 2 yuan/pen is withdrawn from banks in the same city (4 yuan, Guangdong); 1% of the amount charged for cash withdrawal by credit card, with a minimum of 1 yuan/transaction, and other banks will add 2 yuan inter-bank handling fee.

3. China Construction Bank: the card processing fee is 5 yuan, with an annual fee of 10 yuan/year, which is lower than the small account management fee charged by 400 yuan in 3 yuan/quarter and the withdrawal amount of 4 yuan+1% in the same city.

4. China Bank: Credit card processing fee is 5 yuan, annual fee 10 yuan/year, and small account management fee is not charged, and banks in the same city withdraw money from 4 yuan.

5. Bank of Communications: the card swiping fee is 5 yuan, and the annual fee is 10 yuan/year, which is lower than the small account management fee charged by 3 yuan, 500 yuan/quarter, and the interbank withdrawal in the same city is 2 yuan/transaction.

Postal savings: credit card processing fee in 5 yuan, inter-bank withdrawal in the same city 4 or 12 yuan/transaction. Most provinces and cities do not charge annual fees and small account management fees.

China Minsheng Bank: Card handling is free, no annual fee, no small account management fee (except Shenzhen), and the first three withdrawals in the same city and across banks are free, followed by 2 yuan/transaction.