Nowadays, more and more people like to spend in advance, and flower buds have become the payment software they often use when shopping. Recently, Hua Bai has taken new actions after being included in the credit information system. It is understood that a new type of credit payment service called "Monthly Payment" is slowly being introduced inside and has been opened to some users.
On July 29th, 2020, Bai Hua is ready to release a brand-new payment service. According to informed sources, the name of this product is called "Flower Moon Supply". However, it has not been officially opened to consumers yet, and it is still being tested, but it has been opened to a small number of groups.
It is understood that this product is different from the phased service of flower buds, because it can be divided into 10 at present, and the maximum number of phases can reach 24 after opening in the future. If users pay off their debts regularly on a monthly basis, there will be no additional costs. Users can choose to buy goods on the "monthly supply", and they can also enjoy the service of prepaying part of cash every month and paying the rest slowly.
Moreover, the goods inside are provided by third-party merchants, and there may be more cooperative stores and brands in the future, so the types of goods inside are very complete, so you can choose as many as you want. In addition, in addition to the first month 10% monthly supply, the new product will not occupy the amount of flowers, and users can use it with confidence. If you are interested in "monthly payment", you can check "mine" in your personal account, and then enter "mine" in the flower garden to find its options.
If the user chooses to postpone, can "monthly payment" be interest-free?
Let's talk about the usage of the new product first. For example, Xiaomei spent 2000 yuan on a beauty card for 10 months. If she uses the "monthly payment", 10 month can be paid, and then she will pay the same amount to the beauty salon 200 yuan every month.
In fact, from this perspective, it is easy for people to confuse flower bed installment service with "monthly supply". In fact, there is a difference between the two.
1, flower bud staging means that the amount in the user's account has been owned by the merchant at the time of consumption, and these amounts completely occupy the amount of flower bud and have already been traded on Alipay, so the user may be charged interest when staging.
2. The monthly payment is paid directly to the merchant on a monthly basis, so Alipay didn't pay the last payment, so there is no interest if the money behind doesn't occupy the quota.
Therefore, monthly payment is a deferred payment service, which will not generate interest and extra handling fees, nor will it occupy the quota of flower beds, and users will not feel pressure when spending. For example, users can only spend 1000 yuan on flowers, but they can still use the monthly payment to buy a beauty card of 2000 yuan. Moreover, it has another advantage. If the merchant who bought the product goes bankrupt because of poor management, then the user can apply for stopping payment in time to avoid losses.
The above is about the monthly offering of flower buds, but it is open to users through invitation system. At present, only some users can use it, and users who want to use it can wait patiently for a while.
Is spending money equivalent to a loan?
Compared with credit cards, spending money is not the same as loans.
First, in terms of loan types, it is generally appropriate to gradually upgrade from small to large. You can apply for a working capital loan from the bank through effective procedures such as pledge, mortgage or third-party guarantee, and then apply for a project loan after you have certain strength.
Second, in terms of loan amount, since the general economy of individual operators is not very rich, they should do what they can to avoid large investment.
Thirdly, in terms of loan interest rate, according to the relevant regulations of the People's Bank of China, commercial banks and urban and rural credit cooperatives can raise the loan interest rate of individual operators within 30%. However, the floating interest rates of banks and credit cooperatives are not consistent, so when applying for loans, you can' shop around' and try to choose financial institutions with small floating interest rates to lend.
4. In terms of loan term, the current short-term loans are divided into two interest rate classes: within 6 months (including 6 months) and 6~ 12 months (including 1 year). For short-term loans with a term of less than 1 year, the contract interest rate shall be implemented, and interest shall not be calculated in installments; Medium and long-term loans are divided into three grades: 1~3 years, 3~5 years and more than 5 years. Interest is calculated in stages for medium and long-term loans. When the loan interest rate is adjusted, the new interest rate of the same loan in the same period will be implemented in June of the following year 1.
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How about installment payment in Bai Hua?
The steps of the flower stand are as follows:
1. First find Alipay on the mobile phone desktop, and click to open Alipay;
2. Click on the home search box to open the search box;
3. Enter a flower bed in the search, and click Open Flower Bed;
4. Click the bill installment in the open garden;
5. Click Apply for installment to complete installment repayment.
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Flower bud staging is a consumer financial product launched by Ant Group. Users use the flower buds to pay in installments when making small program payment, and the order is paid in full to the merchant Alipay account in real time, and the user repays the flower buds in installments.
There are two kinds of installment payment, one is installment payment and the other is installment payment. Installment payment refers to direct installment payment when placing an order, and repayment on schedule after payment. The steps of flower bud staging are as follows: Go to my billing page, click on the billing staging below, select the desired staging amount and number of installments, and then click on the confirmation staging below.
Precautions for using flower buds: be sure to repay on time. Although Bai Hua does not charge any interest during the normal repayment period, the interest in Bai Hua after the repayment period is still quite high. In addition, not paying back on time will also affect your sesame credit score. Lightly, Alipay will reduce your spending quota or close it. Heavy words will affect your personal credit information. If it is serious, it will affect your future loan, house purchase, car purchase, and even travel by train or plane. In addition, too many online loan applications, or online loans with overdue non-performing loans records, will also affect the amount of ant flower buds. Clearly understand your online loan credit data and overdue information. If Baihua has a bad record, it will also be displayed in the data report. The queried online loan data report includes online loan overdue days, overdue amount and overdue platform.
Is spending money a loan?
At present, there are many kinds of online micro-loans, among which ant flower buds are often, well-known, familiar and often used.
Many friends have a misunderstanding that flower buds are just a financial service for the convenience of the people. Even if it is overdue, there is no big problem and relationship.
Actually, it is not. To be clear: ant flower buds belong to consumer microfinance. It will affect personal credit information. If you break your promise within the time limit, it will affect your personal credit information.
Let's make a concrete analysis with friends:
First of all, ant flower garden is a kind of consumer micro-credit, which is applied and distributed in the form of network platform. Mainly used for personal online shopping, consumption, staging and so on. It is a formal and approved online loan.
Second, ant flowers will be reported once they are overdue. Credit information is managed by the central bank, and there was only one credit information before.
At present, private credit reporting companies have emerged, among which people's credit reporting and Alipay Sesame Branch are major shareholders. This is a formal private credit investigation recognized by the state. Therefore, if the ant flower buds fail to meet certain standards within the time limit, they will be recorded uniformly.
Third, once the flower buds are overdue, the nature is serious. Not only will it be subject to strict restrictions and supervision in meeting social and economic activities such as credit reporting and personal housing loans, but also due to its particularity, online shopping loans, daily consumption, online payment, even car rental and part-time delivery may be rejected and affected in the future.
Third, once the ant flower buds are overdue, they will face formal collection.
And this master collection is ubiquitous and long-term. In today's era of big data, Alipay has mastered the core of it, so the untrustworthy faces a situation where there is nowhere to hide and nowhere to hide.
Therefore, when using ant flower buds for consumption, loan and installment, on the one hand, we should enjoy the convenience and happiness of shopping, on the other hand, we should be honest and do what we can. Once we break our promise, there will be serious consequences.
Therefore, if the breach of contract is overdue, it is suggested to maintain good communication and struggle with ant flower buds in a sincere manner, and to obtain an understanding by means of early repayment or installment repayment. So as not to cause long-term adverse effects on yourself.
It is everyone's responsibility to establish honesty. Spend = return. . Honesty is not only a character, but also has a decisive influence on our daily economic life in the real society.