1. Competition of application conditions 58 monthly payment: Aged between 20-35 years old, with a stable job, white-collar workers (when filling in the information, you need to leave a corporate email account for verification), college degree or above, and a Sesame credit score . Ziroom Baitiao: Jingdong Ziroom Baitiao is applicable to Ziroom Youjia, and the lease term is 1 year, and the new tenants sign the contract with their ID cards. Comments: Judging from the applicant’s conditions, the 58-month payment focuses on the occupation, education and credit of the renter; while the Ziru Iiao requires real names and Ziru Youjia users. Only 1-year tenants can apply, and the application conditions are more stringent. strict.

2. Cost Competition Taking the same house with a rent of 2,000 yuan as an example, assuming it is rented for one year, how much is the cost on the two platforms? 58 Monthly payment: The down payment is 4,000 yuan, and the monthly repayment amount is 4,000* yuan. After one year, the total payment is 27,100 yuan. (The comprehensive monthly payment rate for 58 months is Ziru Baitiao: the down payment is 4,200 yuan, and the monthly repayment is 2,272 yuan. After one year, the total cost is 29,192 yuan. (Data comes from Ziru Baitiao calculator) Comments: From the overall cost Look, if there is no fee discount during the active period in Ziroom Iota, it is obvious that the 58-month payment is more user-friendly.

3. The overdue payment requirement is 58-month payment: total penalty interest = total overdue principal and interest * corresponding expected annual interest rate of penalty interest. *The number of overdue days, the expected annualized interest rate of penalty interest is %/day. Ziru Ai Tiao: The daily overdue fee is three ten thousandths of the loan amount. Overdue will affect the customer’s credit system in JD.com and Ziroom. Comments: The rent is 5,000 yuan/month. For example, if it is overdue, users who pay monthly will have to pay a penalty interest of RMB 58 per day, while Ziru Baitiao will have to pay RMB 10 per day. From this point of view, Ziroom Baitiao is more affordable. Overall comment: From the perspective of the rental installment cost that users are most concerned about, housing. In terms of source selection and rental time limit, 58 monthly payment is more flexible and advantageous than Ziru Baitiao; however, Ziru Baitiao is better in terms of overdue penalty interest and preferential activities. If you are a fan of Ziru Youjia, you can You might want to consider taking advantage of the installment fee reduction service.