First, open the mobile phone Alipay.
Then click My-Top Bar-Settings-Payment Settings-Deduction Order to modify the payment order you want.
Question 2: What do ants think of repayment records? Click "Loan Record" in the upper right corner of the mobile phone and continue to click "In Use", and "Loan Details" and "Repayment Details" will appear. Click "View" to view the repayment record.
Question 3: How can ants borrow money to pay off the interest at one time? One of the characteristics of borrowing money is that it can be repaid as you borrow it. The original intention of this product is to apply for a loan in installments, and then repay it in installments, and pay back the money regularly every month according to the repayment plan. The advantage over credit cards is that the repayment is based on the same principal and the total interest is much less.
At present, the longest repayment period of "borrowing" is 12 months, and the daily interest rate of the loan is 0.045%, which can be borrowed or repaid. The amount applied by users can be transferred to Alipay balance, which is quite convenient, just like getting a loan from a bank.
"Ant borrows money" and pays interest on a daily basis. The daily interest of the loan is 0.045%, and the converted annual interest rate is 16.425%.
1, full refund
If you don't need to borrow money, or if you have money, you can pay it back in advance and you don't want to waste interest, then you only need to calculate the daily interest, for example, directly use the principal *0.045%* days.
2. Repayment in advance by installment
If each installment is repaid in advance, it is also calculated on a daily basis. From the date of repayment, there is no need to calculate the interest from the next day to the last repayment date of the period. Then calculate the interest on a daily basis from the first day of the next issue.
Question 4: What are the repayment methods for the new version of Ant Borrowing? Average capital: the loan amount is evenly distributed according to the total repayment months, plus the monthly interest of the remaining principal in the previous period to form the monthly repayment amount. Therefore, the monthly repayment amount of the average capital method is different. The repayment amount is the largest in the first month, and then decreases month by month, less and less.
Equal principal and interest: the monthly repayment amount is the same. In the distribution ratio of "principal and interest" of monthly payment, the interest paid in the first half of the period is relatively large, while the principal is relatively small. After half of the repayment period, it gradually turned into a large proportion of principal and interest and a small proportion of interest. The total interest paid is more than the average capital method, and the longer the loan term, the greater the interest difference.
Interest before principal: only the interest of the bank loan amount needs to be repaid every month, and the loan principal needs to be repaid in one lump sum after maturity, where the monthly interest is the annual interest divided by 12. This way, the repayment pressure in the last month is great.
Question 5: How do ants borrow money to repay? How do ants borrow money to repay?
1. After entering Alipay wallet, click All on the home page, and you can see that the ant borrows money.
2. If you borrow it here, you can see the repayment item. Click to enter, as shown in the figure below.
3. Click [Loan Record] in the repayment interface, and then click one of your loan slips to check the repayment date, and also make prepayment on this loan slip.
4. At this time, you can see the loan term written on this loan slip, and then click [prepayment] to enter the Alipay repayment process.
5. Enter the amount you want to repay. I only borrowed ten dollars here, and of course I paid it off in one lump sum.
7. Repayment was successful.
Question 6: Can the repayment method borrowed by ants be repaid at the same time? There are two repayment methods: 1, with equal monthly payment and the same repayment amount in each installment. 2. Pay interest first, pay interest monthly, and repay the principal in one lump sum at maturity.
Question 7: How do the ants in Alipay repay the money after borrowing it? Do I have to change it every month or return it at one time? Enter the Alipay background, you can see the repayment chain link below the flower garden.
The repayment date has not yet arrived, so the word repayment is still gray. If you get to the tenth, you can click there. If you want to pay back in advance, you can click on the repayment plan.
Then you will see the total amount owed, and then click I want to pay it off.
How much do you want to return the small window I want? If you have money, pay it in one lump sum!
You can use the account balance, or Yu 'ebao, or online banking to repay. Here I use the balance of my account to repay the loan. Enter the Alipay payment password and confirm the payment.
At this point, the webpage will prompt that the repayment is successful.
Question 8: How to repay the loan borrowed by ants? According to the time of your first loan, how long is the repayment time?
Question 9: What should ants do if they don't pay back the money? You mean the ant bud hasn't been changed? If you haven't changed it, you will naturally become interested. Just like credit card repayment, there is still a certain amount of detention interest after maturity. Specifically, it is five thousandths. It seems so!
Question 10: How do ants borrow money? What's the reward? Ant Lending Treasure is actually an electronic credit card in Alipay. Like credit cards, borrowing money can only be used for Taobao shopping. When you buy an item in Taobao, if there is an option of borrowing money in the payment method of this item, as long as you choose to borrow money, you don't have to spend money in your bank card or account. Borrowing money can help you interest-free, with an interest-free period of one month. When the repayment time is up, there will be a message reminding you that you only need to deposit the money into Alipay account or Yu 'ebao account according to the date, and it will be automatically deducted, just like a credit card.