Loan Account Management Fee, Be Careful Of Bank Money!

The account management fee is

Yesterday, a well-known friend came to Xiaobian and asked what the account management fee was. What was the definition of account management fee?

The official statement is that the contents of accounting elements should be scientifically re classified according to the needs of management and the specific requirements of information users, and the names and corresponding structures of each category standard should be given.

The fee charged by an account management institution or department to account owners in its management is the account management fee.

Do you know what to say? Xiaobian estimates that apart from making up the book, few people can understand the account management fee simply by looking at this stuff. But this is the account management fee which is not detailed.

The friend who found Xiaobian saw a "unsecured unsecured loan" advertisement advertised by a bank, saying it was an annual interest rate of 5.84%.

Chuang you feel very cost-effective, so he intends to deal with, so the bank after the recruitment, in addition to these 5.84%, there are 0.49%.

Account management fee.

This Chuang you calculates, plus this extra account management fee, the new annual interest rate is only 6.33%! But wait for him to get a contract after a week, but he is stuck! Because the contract expressly says that we should collect 0.49% of the total loan amount on the monthly interest day.

No, the account management fee of the bank is not collected on a yearly basis. People play a flower job, and they collect it every month. What is more serious is that the account management fee does not decline as the interest rate decreases with interest. This means that if you still owe the bank, even if it is not a penny, the account management fee will be charged according to the total amount of your loan.

In this case, Xiaobian will charge the account management fee monthly according to the bank.

I saw the advertisement of the bank, the annual interest rate was 5.84%, and then I saw 18.7%! Three times more than the account management fee! I think of Mr. Tai Shan!