The interest rate of ant borrowing is not fixed, and the system will evaluate the account from time to time, and the interest rate may rise or fall after the evaluation. Please keep it safe and repay it on time, which will help to get a lower loan interest rate.
: What is the interest rate for paying 5000 yuan a month in Alipay?
If you use flower buds to pay for your consumption, as long as you ensure that you repay in full and on time, flower buds will not charge any fees. Under normal circumstances, flower buds will only charge corresponding interest or other fees under the following circumstances:
1. Use the minimum repayment amount in Bai Hua: if only the minimum repayment amount has been paid off, but the full amount has not been paid off, the remaining unpaid principal will bear interest cyclically from the day after the due repayment date, and the daily interest rate will be 0.05%, which will be recorded in next month's bill. Suppose Bai Hua's remaining debt is 6,543,800,000 yuan, and it needs to repay the interest 5 yuan every day.
2. Installment payment or bill repayment: Installment service will generate corresponding installment fees, and the specific fees will be subject to the page display.
3. There is overdue behavior of flower buds: if flower buds fail to repay on time, there will be overdue penalty interest, and overdue fee = overdue amount *0.05%* overdue days.
What is the effect of long-term use of flower buds?
1. Impact on the assessment of liabilities. Because flower beds are very convenient to use, many users use flower beds frequently. The user's debt on the flower garden will be reflected in the credit report. If used, it will not only increase the debt ratio of users, but also affect the bank's judgment on users.
2. Don't use the flower garden loan frequently. Even if you buy something, some users like to use flowers. Some people even use flowers like credit cards. Although how to use flowers is personal freedom, we have to pay attention to the possible problems behind it. The flower garden is a small loan, and every sum of money spent by users with the flower garden will be included in the credit information. If users frequently use flower buds to pay, a series of credit records will be generated. Faced with so many small loans, banks are likely not to lend to users, so this needs attention.