Excuse me. According to Alipay official website's inquiry, the handling fee rate of flower beds by stages is as follows: 3 periods, with a rate of 2.5%; 6 issues, the rate is 4.5%; 12, with a rate of 8.8%; Loan installment interest rate: three installments, interest rate 1.35 to 5.4%; 6. The interest rate ranges from 2.7% to10.8; 12, with the interest rate ranging from 5.4% to 21.6%; So the interest on borrowing is higher than that on consumption.