Installment Purchase Calculation

Monthly payment is calculated using the following formula:

A = P × (r × (1 + r)n) / ((1 + r)n - 1)

A = Monthly Payment Amount

P = Purchase Amount + Commission

r = Monthly Interest Rate

n = Installment Count

Minimum Payment Calculation

Minimum payment amount varies depending on the limit usage rate:

  • If the limit usage is ≤ 50 %: 20 % of the period debt
  • If the limit usage is > 50 %: 22 % of the period debt
Delay Interest Calculation

Late Payment Fee is calculated using the following formula:

GF = T × (f/100) × (g/365)

GF = Late Payment Fee

T = Unpaid Amount

f = Annual Late Payment Fee Rate

g = Delay Day Count

Cash Advance Calculation

Cash advance transactions are calculated as follows:

  • Commission: Withdrawal amount × Commission rate
  • Monthly Installment: is calculated using the Installment purchase formula
  • Total Cost = (Monthly Installment × Maturity) - Withdrawal Amount + Commission

Note: Calculations may include approximate values. Please contact your bank for current rates.

Credit Card Transactions

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Monthly Installment:

Total Payment:

Total Interest:

Commission Amount:

Minimum Payment:

Total Debt:

Minimum Payment Rate: %

Late Payment Fee:

Total Payment:

Daily Interest:

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