1, which is beneficial to the credit card quota: the borrower will charge a certain installment fee for the installment payment of the commodity bill, so the bank's attitude towards the installment payment of the credit card is encouraged. The more installments, the more the quota;
2. It can alleviate the repayment pressure: if the borrower's credit card debt is large, dividing the debt into several batches can greatly alleviate the repayment pressure of the borrower;
3. Arrangements conducive to funds: If the borrower repays the loan in installments, there will be more working capital in hand, which means that the borrower should have spent all the funds. If there are some emergencies, it is more convenient to mobilize funds.
The amount is accurately scored monthly, and the balance is included in the first stage, and the commission is not refundable; On the installment page, click XX yuan per installment to view the repayment amount, handling fee and interest rate of each installment. There are currently three \6\ 12 stages to choose from. Let's take an example and calculate the cost of each stage together.
At present, young people are basically used to spending in advance, especially during the peak shopping period. When the money on hand is not enough, it is common to pay by consumption or credit card. In order to enhance the user experience, Huawei also introduced the consumer installation function. If you spend money this month and can't pay it back next month, you can pay by installments.
1. If the user wants to make partial repayment in advance, he only needs to go to Alipay's "Flower Garden" page, and then go to the "Flower Garden" billing page. Then they can see their current and next repayment bills and choose the corresponding bills to repay in installments. If users want to determine their own flower path stage in advance, they can contact the flower path customer service for processing and follow the process.
2. Installment fee refers to the amount of formalities that the borrower needs to pay to the lending institution in the loan installment business, the specific charging standard, the lending institution that needs to rely on the interest rate, the loan products selected by the borrower and the loan time. The charging time of installment fee is also different. Some institutions charge all fees at one time when handling the installment, and some institutions charge them as scheduled.
Operating environment: Android phone oppor2z coloros v11.1.
Alipay version: 10.2.38