桂林银行关于更新信用卡分期产品近似折算年化利率的公告
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根据中国人民银行公告(【2021】第3号)文“为维护贷款市场竞争秩序,保护金融消费者合法权益,所有贷款产品均应明示贷款年化利率”等相关要求,本行已统一按单利方法计算信用卡分期产品近似折算年化利率。现将信用卡分期产品手续费率及近似折算年化利率公告如下:
一、漓江信用卡分期产品利率
卡种 | 产品/渠道 | 分期期数 | 3期 | 6期 | 9期 | 12期 | 18期 | 24期 |
漓江信用卡 | 账单分期 | 单期手续费率 | 0.55% | 0.60% | 0.65% | 0.60% | 0.60% | 0.65% |
近似折算年化利率 | 9.87% | 12.24% | 13.83% | 13.03% | 13.23% | 14.33% | ||
现金分期 | 单期手续费率 | 0.90% | 0.80% | / | 0.90% | / | ||
近似折算年化利率 | 16.13% | 16.27% | 19.37% | |||||
灵活分期 | 单期手续费率 | 0.55% | 0.60% | 0.65% | 0.60% | 0.60% | 0.65% | |
近似折算年化利率 | 9.87% | 12.24% | 13.83% | 13.03% | 13.23% | 14.33% | ||
POS分期 | 单期手续费率 | 0.55% | 0.55% | 0.50% | 0.50% | 0.50% | 0.50% | |
近似折算年化利率 | 9.87% | 11.23% | 10.67% | 10.90% | 11.08% | 11.13% | ||
财付通渠道账单分期 | 单期手续费率 | 0.65% | 0.65% | 0.75% | 0.70% | 0.65% | 0.70% | |
近似折算年化利率 | 11.66% | 13.25% | 15.92% | 15.15% | 14.30% | 15.38% | ||
支付宝渠道账单分期 | 单期手续费率 | 0.75% | 0.70% | 0.70% | 0.70% | 0.65% | 0.70% | |
近似折算年化利率 | 13.45% | 14.26% | 14.88% | 15.16% | 14.30% | 15.38% | ||
云闪付渠道账单分期 | 单期手续费率 | 0.65% | 0.65% | 0.70% | 0.65% | 0.65% | 0.70% | |
近似折算年化利率 | 11.66% | 13.25% | 14.88% | 14.10% | 14.30% | 15.38% |
二、美团信用卡分期产品利率
卡种 | 产品/渠道 | 分期期数 | 3期 | 6期 | 9期 | 12期 | 18期 | 24期 |
美团信用卡 | 账单分期 | 单期手续费率 | 0.94% | 0.83% | 0.79% | 0.77% | 0.75% | 0.74% |
近似折算年化利率 | 16.84% | 16.88% | 16.75% | 16.64% | 16.42% | 16.22% | ||
现金分期 | 单期手续费率 | 0.90% | 0.78% | / | 0.75% | / | ||
近似折算年化利率 | 16.13% | 15.87% | 16.22% | |||||
一键分期 | 单期手续费率 | 0.94% | 0.83% | 0.79% | 0.77% | 0.75% | 0.74% | |
近似折算年化利率 | 16.84% | 16.88% | 16.75% | 16.64% | 16.42% | 16.22% | ||
消费分期 | 单期手续费率 | 0.94% | 0.83% | 0.79% | 0.77% | 0.75% | 0.74% | |
近似折算年化利率 | 16.84% | 16.88% | 16.75% | 16.64% | 16.42% | 16.22% | ||
财付通渠道账单分期 | 单期手续费率 | 0.94% | 0.83% | 0.79% | 0.77% | 0.75% | 0.74% | |
近似折算年化利率 | 16.84% | 16.88% | 16.75% | 16.64% | 16.42% | 16.22% | ||
支付宝渠道账单分期 | 单期手续费率 | 0.94% | 0.83% | 0.79% | 0.77% | 0.75% | 0.74% | |
近似折算年化利率 | 16.84% | 16.88% | 16.75% | 16.64% | 16.42% | 16.22% | ||
云闪付渠道账单分期 | 单期手续费率 | 0.94% | 0.83% | 0.79% | 0.77% | 0.75% | 0.74% | |
近似折算年化利率 | 16.84% | 16.88% | 16.75% | 16.64% | 16.42% | 16.22% |
桂林银行股份有限公司
2021年6月3日
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