Don't believe in Jiufu's super powers. In April this year, I bought a mobile phone by stages, Apple 6s. Hey, you know, I've never used apples before, so I want to buy them. At that time, the price of mobile phone was 4599, and I paid 1000. The store told me the mobile phone number 4599, and I gave it to 1000, and the remaining 3599 was considered as Jiufu Super Loan. 24 issues. But I have to pay back 268.72 yuan every month (including service fee of 63.26 yuan, management fee 17. 12 yuan, handling fee of 22.24 yuan, and monthly interest rate of% 1.02). I calculated 268.72*24=688 1.28. 688 1.28-3599=3282 yuan. If you want to prepay, you just want to prepay at one time. You can't understand the account they calculated for you. What is the punishment? Even if you have the ability to pay off in advance, they will let you change a lot of money. For example, I borrowed a mobile phone by stages. I also paid five installments. 268.72*5= 1343 (of which your principal is only 749 yuan, how to calculate it? 3599 divided by 24 =149.958 * 5 = 749.7913599-749 = 2850. This is the principal you want to pay back, and there are other messy ones who are willing to pay back 3000,4000 or 5000,6000. They won't let you go easily anyway. I was cheated for the rest of my life. I won't be greedy for petty gain any more. I'll put up with it if the money is not enough. I won't buy it until I have enough money. I don't believe in those installment purchases, unless it is Alipay's flower bud installment or JD.COM. COM (these are very formal and have little interest. I am not advertising). I played it all by myself. It's a lesson of blood.