Divide sesame seeds and show off wealth
A loan service called Ant Borrowing launched by Alipay is also a kind of micro-loan, which can still solve some people's urgent needs when necessary. Then, the ant borrowed 30,000 yuan and paid it off in six months. How much interest does it need to pay? Let's see:
Some netizens tested the loan of 30,000 yuan on the loan slip, and paid it off in six months, with equal repayment every month. How much interest do you need in total? We can see that the total interest is nearly 1300 yuan. Is this interest high? Can you accept it? (see the picture below)
amount of loan
Let's analyze it further. The average monthly interest of 1 0.03 million yuan is 2 1.7 yuan, and the average monthly interest of110,000 yuan is 72 yuan. Is this interest a conscience? Although the daily interest rate of Alipay Ant Loan is 44,000 yuan per day, 65,438+020 yuan per month and 65,438+0460 yuan per year, if you divide 65,438+00000 yuan by 65,438+00000 yuan, the annual interest rate is 65,438+04.6%. Is the loan interest rate high?
Loan principal and interest
Seeing that some friends here may be eager to move, they will go to Alipay to borrow money when they are in urgent need. Some people even have the idea that they don't want to pay back when they borrow it. But now is the era of big data credit reporting. Netizens should never joke about their credit. However, opening an ant loan requires certain conditions, that is, your sesame credit score reaches a certain score.
The era of credit is coming.
Cherish your credit, the future will be an era of credit, and people without credit can't move. Tomorrow is sesame renewal day. Do you think it is appropriate to borrow interest?
Related questions and answers: What should I do if I don't get the first installment? If you can't pay by installment, you should communicate with customer service and apply for deferred repayment, which may generate interest, but it won't affect your credit.