It is understood that EasyFlower calculates interest according to the actual borrowing days, and the daily interest calculation formula is: remaining unpaid principal * daily interest rate.

Second, the interest rate range and the number of stages of comfortable spending.

1, easy consumption interest rate

The minimum annualized interest rate is 7.2%, and the maximum annualized interest rate is no more than 24%. Risk pricing is within the scope permitted by law, but the third time you borrow money to withdraw cash, you need to charge a handling fee, and the first two times you can withdraw cash for free.

The calculation formula of the handling fee is: * single withdrawal amount 1%, and the maximum 30 yuan is capped, that is, if the withdrawal amount is calculated according to 1%, only 30 yuan will be accepted if it exceeds 30 yuan, which is the charging standard explicitly announced by official website.

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2. The stage of comfortable flowers

You can choose to repay by installments: 3, 6, 9, 12, 15, 18 and 24. The maximum number of years that users can actually choose is subject to the page display.

Third, the example calculation

1, assuming that 1 0,000 yuan is borrowed in March1day, with three installments and a daily interest rate of 0.02%, then:

March 1, withdrawal fee10000 *1%=100 yuan, only 30 yuan was received.

The principal payable in each installment = 10000/3=3333.33 yuan,

1 interest =10000 * 0.02% * 31= 62 yuan;

Second interest = (10000-3333.33) * 0.02% * 30 = 40 yuan;

Third interest = (10000-6666.66) * 0.02% * 31= 20.7 yuan;

Total interest paid+handling fee = 152.7 yuan.

2. Assuming that RMB 1,10,000 yuan is borrowed in three installments, and the daily interest rate is 0.05%, then:

March 1, cash withdrawal fee 30 yuan.

The principal payable in each installment = 10000/3=3333.33 yuan,

1 interest =10000 * 0.05% * 31=155 yuan;

Second interest = (10000-3333.33) * 0.05% * 30 =100 yuan;

Third interest = (10000-6666.66) * 0.05% * 31= 51.7 yuan;

Total interest paid+handling fee =236.7 yuan.

To sum up, if the interest of EasyFlower is less than 10000 yuan, it will be about 152.7 yuan, and if it is more, it may be about 236.7 yuan. Note that the prepayment fee of EasyFlower needs to be charged at 3% of the remaining principal, with a maximum of 100 yuan. I hope the above example can help you get a rough figure.