According to the formula:
Monthly repayment amount = loan amount * monthly interest rate/1-( 1+ monthly interest rate)-repayment months
=30000*0.97% / 1-( 1+0.97% )^-36
=99 1.28 yuan
According to the formula, the monthly repayment should be 99 1.28 yuan, which is basically consistent with the figure.
This shows that there is no problem with monthly interest.
Monthly interest rate =0.97%, then annual interest rate = 1 1.64%.
Below 24%, the interest rate is within the legal range.
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But the third-party package service doesn't know what it is, so it must be treated with caution!
What's the difference between service payment under Jiufuwanka and bank card payment?
First, the subject is different.
1. The service payment under Jiufuwanka is a smart credit account brand launched by Jiufu Group.
2. Bank card payment is a payment system introduced by bank financial institutions.
Second, the role is different.
Service payment under 1. Jiufuwanka is similar to personal virtual credit card. Users get a certain credit line through real-name authentication and risk assessment, enjoy credit line installment, mall shopping installment, credit card management and other services, and link all users and scenes of Jiufu.
2. Bank card payment can efficiently and safely handle various payment services handled by banks in different places and cities, as well as fund settlement and fund delivery in money market transactions.
Extended data:
On the one hand, Jiufu Wanka integrates the internal consumption scenes of various sub-brands of Jiufu Group, and users can use it for life after obtaining the quota. With the recovery of the quota, a "one account pass" has been formed throughout the internal consumption scene.
At the same time, Jiufuwanka actively introduces external partners such as e-commerce platforms, merchants, banks, insurance and payment institutions. Expand external scenes, form a "five diamonds" business model based on artificial intelligence technology to connect online and offline, and realize the business pattern of financial technology empowering "new retail".
In the mode, Jiufuwanka, as an intelligent credit account, evaluates the credit of users (consumers) and determines the credit limit through self-developed "fire eye rating" and "rainbow rating"; At the same time, expand product usage scenarios, and provide consumers with shopping, consumption staging, credit card management and other services through the establishment of online and offline consumption scenarios.
Baidu Encyclopedia-Jiufu Wanka
Baidu Encyclopedia-Bank Card Payment System
Can I apply for a premium refund from the official WeChat account of Jiufuwanka Negotiation Department?
The premium of Jiufuwanka is generally non-refundable. When submitting the loan application, the borrower has accepted the premium payment by default, and once the next payment is successful, the system will immediately deduct the corresponding premium. If the borrower does not recognize the premium collection, the only way to return the premium is through negotiation, and the most effective negotiation method is to pay attention to the official account of WeChat: Jiufuwanka Negotiation Department to settle the policy fee reduction in advance.
Jiufuwanka third-party insurance service fee is a professional third-party service package, including insurance premium, post-loan management fee and platform service fee. When borrowing money, the system will show the borrower that you can only apply for a loan by clicking "Approve". If you don't want to borrow money after the next payment, you can only apply for reduction and settlement through the negotiation department of Jiufuwanka. Many small partners believe that the installment bill and premium bill will be settled first through the APP, and then the platform will refund the premium. This is completely impossible, because the platform has already lent money and you have settled in full, which means that the platform has already served you once, and this fee will not be refunded.
Is there a service charge for Wanka loan?
Deduct.
Jiufuwanka's third-party service fee is a professional third-party service package, including insurance premium, post-loan management fee and platform service fee. When borrowing money, the system will display it to the borrower, and determine the cost of the three-party service package according to the borrower's borrowing situation. The borrower can see the detailed cost when applying.
The payment method of the third-party service fee is as follows:
1. Cash payment: it is a one-time payment of related service fees by bank card. At this time, you will only have a loan slip, which is the principal and interest you should pay, excluding other expenses;
2. Installment payment: When the funds are insufficient, you can use your own service quota to pay the service fee by installments.