Of course.

Users have 24 interest-free installments, so each installment only needs to repay the principal. If there is a demand for prepayment, they can choose to prepay. However, because installment payment does not charge installment fees, early repayment cannot reduce interest, and early repayment is not as cost-effective as timely repayment. After all, timely repayment can increase the liquidity of funds in users' hands.

After buying an interest-free installment of APPle's 24 installments with a flower bud or a credit card, if you want to repay in advance, users like flower bud can directly log in to Alipay App, click "Flower bud", then click "My bill", and then check the bill to be repaid in advance, so that you can pay it off in advance.

Credit card customers only need to call the customer service number of the issuing bank to apply. After the application is successful, all the remaining installments will be settled in the next bill, and the customer will log in to the mobile banking or credit card app to charge the prepayment amount into the credit card or the bound savings card for repayment.

Because Bai Hua, ICBC, China Construction Bank and China Merchants Bank enjoy the interest-free discount when buying apples in installments, there is generally no need to pay extra handling fees for returning them in advance (the details are subject to the page display).

If the customer is not in a hurry to reduce the debt, it is actually necessary to ensure that there are enough funds in the repayment account, so that the bank or Alipay system can automatically deduct the corresponding amount from the account according to the selected number of installments on each repayment date.

Interest-free installment of 24 installments is a discount offered by many credit products. When customers use these credit products to purchase goods in installments, if they choose to divide them into 24 installments, they can enjoy interest-free concessions, and then they only need to repay the principal in installments without paying interest. For example, Ant Flower Shop and JD.COM Baitiao all have this discount, and many people will use 24 interest-free installments to buy mobile phones.

You don't have to worry. When you say interest-free, it's really interest-free. The 24 interest-free credit products launched by licensed financial institutions will not be under the banner of interest-free, and some fees, service fees and other fees will be charged. There is no such routine. Unless the customer goes to a platform without the approval of the CBRC and a financial license, he may be cheated and charged some other fees.

Can Apple prepay after installment payment?

1. Apple can repay in advance after installment. For example, if you buy an Apple mobile phone, you use a credit card installment and support prepayment. The installment function of loan products such as flowers and white strips is used, so in the repayment page, you can agree to repay in advance. Repayment in advance after installment will not affect personal credit information. Therefore, after Apple purchases in installments, if users want to prepay, they can enter the repayment page to prepay.

2. Credit card belongs to bank overdraft consumption. If the repayment is overdue, there is usually a grace period. Most banks have a three-day grace period. If they don't report their credit within the grace period, there will be no penalty interest. Otherwise, they will. At the same time, it should be noted that although banks have a grace period, they must pay off their debts before the deadline. Some overdue loans need to be called to apply for delayed repayment. It is best to call customer service to clarify. China Bank Credit Card: The grace period for Puka is 3 days, and that for Platinum Card is 9 days. Credit information cannot be received before 20 o'clock; ICBC Credit Card: No grace period; Credit card of China Construction Bank: the grace period is 5 days, and the deadline is 17. You need to call to apply for deferred repayment; Agricultural Bank of China Credit Card: The grace period is 2 days, and the deadline is not specified clearly, but it is best to receive the account before 18; Bank of Communications credit card: the grace period is 3 days, and the deadline is not clearly stated, but it is best to arrive before 18.

1. Advantages and disadvantages of credit card installment repayment:

Credit card installment actually has advantages and disadvantages. The advantage is that installment can reduce the repayment pressure, so that cardholders will not be overdue because they can't pay their credit card bills. The disadvantages of credit card installment are also obvious. For example, credit card installment requires a handling fee. The longer the number of installments, the more handling fees need to be paid. So we can't unilaterally say whether the credit card is divided into stages. For users, if the repayment ability is not enough, it is more appropriate to choose credit card installment.

2. Will credit card installment affect credit reporting?

Credit card installment repayment on time will not affect credit reporting, and overdue repayment will affect credit reporting. After the credit card is divided into stages, the records will be recorded in the credit information system of the People's Bank of China, and the records will show the repayment on time or overdue. Timely repayment is conducive to maintaining good credit, and overdue repayment will have an adverse impact on credit. Credit card installment itself belongs to the bank loan business, and the bank loan business has certain credit. Please repay the credit card on time to avoid overdue.

Can Apple official website pay 24 interest-free installments in advance?

In official website, apples can be repaid in advance after installment. If staging is conducted in official website, it will be conducted by using Ant Flower Shop, China Construction Bank Credit Card, Industrial and Commercial Bank Credit Card and China Merchants Bank Credit Card.

You can also enjoy interest-free, and you don't need to pay any extra fees for early repayment. If you use another bank's credit card, you need to pay the corresponding interest and handling fee.

1. Open the Alipay flower garden interface and click "My bill".

2. Click "Details" under "Possible Return".

It can be seen from the "details" that the bill in May has been gradually implemented. May bill shows that it has been paid after May bill installment.

Can apples be prepaid in installments?

No problem.

1. If you buy 24 interest-free installments of apples with a flower bud or a credit card and want to repay them in advance, you can directly log in to Alipay APP like a flower bud user, click "Flower bud", then click "My bill", and then check the bill to be repaid in advance, so you can repay them in advance. Credit card customers only need to call the customer service number of the issuing bank to apply. After the application is successful, all the remaining installments will be settled in the next bill, and the customer will log in to the mobile banking or credit card app to charge the prepayment amount into the credit card or the bound savings card for repayment. Because Bai Hua, ICBC, China Construction Bank and China Merchants Bank enjoy the interest-free discount when buying apples in installments, there is generally no need to pay extra handling fees for returning them in advance (the details are subject to the page display). If the customer is not in a hurry to reduce the debt, it is actually necessary to ensure that there are enough funds in the repayment account, so that the bank or Alipay system can automatically deduct the corresponding amount from the account according to the selected number of installments on each repayment date.

Two. Significance of installment payment

1. Digest the opportunity cost of funds occupied by consumption

The process of consumption is the process of consuming economic resources. Any consumption has an opportunity cost. If there are better investment opportunities, then any form of "bargaining" is regrettable. Under the premise of controlling your own balance sheet and cash flow statement, you can absorb a lot of high opportunity costs by occupying low-cost funds as much as possible and taking the initiative to debt. Faced with a unified 6.55% handling fee (divided into 24 installments) or 6% benchmark interest rate, the choice is naturally different. When the opportunity cost is high, loan installment is the inevitable choice of rational people.

2. Intertemporal allocation of future economic resources.

Whether you admit it or not, using savings and consumption itself is also an intertemporal allocation of economic resources-you are using the economic resources of the past for the present. Whether it is loan, credit card or installment payment, it provides consumers with the possibility of allocating their future economic resources over time. The essence of finance is to allocate economic resources across periods or cities. Installment payment conforms to the essence of finance. As far as value attribute is concerned, it is a rational choice.

3. Enjoy the "dividend" of inflation

The biggest significance of installment payment is to give consumers a channel to enjoy the "dividend" brought by inflation. Inflation is a historical trend that no organization or individual can control. Under this historical trend, only active liabilities and solidified liabilities can hedge the damage of inflation to personal net assets. Just like the current bank loans of 5, 6 and 7 cents, the preferential installment interest rate (such as 6.55% handling fee for AppleStore for two years) is obviously lower than the inflation rate. Using bank loans, installment payment and other means to solidify debts at a fixed price (that is, interest rates and handling fees) and lengthen the payment period will help to obtain "profits" in inflation. An iphone6, paid in 24 installments, 346 yuan each. 346 yuan for 1 period and 346 yuan after two years are certainly not the same value.