Huabei installment handling fee, how to calculate Huabei installment handling fee

Huabei transaction installment will charge a certain handling fee according to the installment amount and the number of installment periods, and there are three types of transaction installments: 3 installments, 6 installments and 12 installments, and the corresponding installment handling fee rates are5% sum, the formula for calculating the installment fee is handling fee = installment amount * handling fee rate. Suppose the transaction of 1,500 yuan for a Huabei payment is divided into 6 installments, and a handling fee of 1,500* yuan needs to be paid.

The handling fee of Huabei transaction installment will be paid evenly to each installment, and in the case of the same installment amount, the more installment periods, the higher the handling fee.

If you apply for a 5,000 yuan Huabei installment for 6 months now, the installment rate is. Then, the principal payable in each period = 5000 6 = yuan; Handling fee for each period = 5,000 RMB.

It is worth reminding that when the ants are in Huabei.

After the installment is successful, it cannot be revoked, the installment amount and the number of installments cannot be changed, and the amount will not be restored immediately, but will be restored in installments, and the repayment will be made in advance.

Handling fee can be reduced. If the payment is overdue, a late fee of 5/10,000 per day will be charged.

In addition, Huabei and Tmall.

Installment, Tmall try before you buy, **Use first and pay later services will share a consumption limit. Huabei is a credit card-like service launched by Alipay, and this "credit consumption" tool is similar to credit card products, through which consumers can purchase products and repay them next month. **Most merchants or products on Tmall will support the "Huabei" service, and the user can repay the loan before the 10th of the next month after confirming the receipt, and can be linked to the Alipay account balance and debit card.

Yue Bao auto-repays.

Extended information] 1. How to waive the handling fee for Alipay Huabei installment.

Operating environment: Apple 12, Alipay version.

1.In fact, the handling fee for Huabei-free installment can be redeemed with Ant Points, click [My] in the lower right corner of Alipay.

2.Find and click the [Alipay Member] function in My Interface.

3.After opening the drop-down interface of Alipay membership, click [All] below the popular benefits.

4.Next, in the interface of all popular rights, you can see that there are 12 and 3 phases of Huabei free handling fee, click [Redeem Now] at the back.

5.After clicking, the relevant instructions for free handling fee will be opened, and then click [Points Exchange].

6.Next, we will be prompted to confirm the exchange, click on the [Confirm Redemption] option.

In this way, we will successfully redeem, and there will be no handling fee for using Huabei installment.

The Huabei installment fee is as follows:

Assuming that 1000 yuan is to be installed, the total amount of 3 installments: 25 yuan, that is, each installment repayment is 1025 3=, and the repayment is continuous for 3 months;

The total amount of 6 installments: 45 yuan, that is, 1045 6 = for each installment, and the repayment for 6 consecutive months;

The total amount of 9 installments: 65 yuan, that is, 1065 9 = for each installment, 9 consecutive months of repayment;

The total amount of 12 installments: 88 yuan, that is, 1088 12 = for each installment, and the repayment for 12 consecutive months.

Huabei installment will only charge you or the merchant a handling fee (service fee), and will not be charged to both parties at the same time. When you choose to pay in installments, if the merchant is willing to bear the fee, it will be charged at the rate set by the merchant; The buyer is responsible for the part that the seller does not bear. Huabei installment will adjust the above handling fee (service fee) from time to time according to changes in the market environment.

The installment handling fee of Huabei is: 3 installment handling fees; 6 instalments; 12 instalments. In addition, Huabei installment will only charge a handling fee (service fee) to the buyer or the merchant, and will not be charged to both parties at the same time.

When you choose to pay in installments, if the merchant is willing to bear the fee, it will be charged at the rate set by the merchant; Sell.

Who invented the handling fee of Ant Huabei installment, that is, whose platform is charged? That is, this money was collected by Ant Huabei in the end.

The Huabei management platform charges interest on your loans.

Whoever gets his share is whoever's share.

You must have it at your own expense.

So there's nothing to worry about.

If you don't want to, you don't win.

The handling fee of Huabei installment, then this is charged by the Alipay platform. Because Huabei is just one of these products launched by the Alipay platform.

At present, the Huabei installment handling fee is charged according to a certain percentage of the total amount of installments, and the handling fee is also different depending on the number of installment periods, 3 installments: 6 installments:; Issue 9:; Issue 12:.

Huabei is a personal consumption credit product launched by Alipay to consume first and repay later, its function is similar to a credit card, users can enjoy an interest-free period when using Huabei for consumption, as long as the user repays before the specified repayment date, there is no need to pay other fees other than the principal, but in the process of using Huabei, it is inevitable that some users will not be able to repay the arrears in full on the repayment date, then users will often choose Huabei to repay in installments, everyone knows that credit card installments need to pay handling fees, So does Huabei installment also require a handling fee, and how is the interest calculated for installment business?

At present, Huabei provides users with three installments, 6 installments, 9 installments, and 12 installments, and the handling fee is different for different installment periods, and the handling fee for the 3 installments is charged according to the total amount of the installment; The handling fee for 6 installments will be charged according to the total amount; 9. The handling fee will be charged according to the total amount; The handling fee for 12 installments will be charged according to the total amount.

For example, if a user's current Huabei bill is 12,000 yuan, the user chooses different periods in installments:

1.Huabei repays in 3 installments: the user repays the principal of 12,000 yuan, and the total handling fee to be paid is 12,000*; The total amount of repayment that the user needs to repay is 12000 + 300 = 12300;Then the repayment amount required for each period is 12300 3 = 4100 yuan, of which 4000 yuan is the repayment principal and 100 yuan is the handling fee;

2.Huabei repays in 6 installments: the repayment principal is 12,000 yuan; The total repayment fee is $12,000*; The total amount that the user needs to repay is 12540; The repayment amount of each installment is 12540 6 = 2090 yuan, of which 2000 yuan is the principal and 90 yuan is the handling fee;

3.Huabei will be repaid in 9 installments: the repayment principal is 12,000 yuan; The total repayment fee is $12,000*; The total amount of repayments is 12780; The repayment amount of each period is 12780 9 = 1420 yuan, the repayment principal of each period is yuan, and the handling fee is yuan;

4.Huabei repays in 12 installments: the repayment principal is 12,000 yuan; The total repayment fee is $12,000*; Total Repayment::

13,056 yuan; The repayment amount of each installment is 13056 12 = 1088 yuan; The principal amount of each instalment is $10,000; The handling fee is 88 RMB.

From the above calculations, it can be seen that the more installment periods, the more handling fees users need to pay.

It depends on how many installments you have.

Ant Huabei installment repayment, there is a handling fee, and the corresponding rate for the number of installments is temporary: 3 installments:; Phase 6:; Issue 9:; Issue 12:.

Principal payable in each instalment = Total principal repayable in instalments Number of instalments; Handling fee for each instalment repayment = total principal amount that can be repaid in instalments Total instalment rate Number of instalments;

The amount is accurate to the point that it is included in the monthly installment, and the remainder is included in the first installment, and the handling fee has been collected and will not be refunded.

Huabei installment is divided into periods, and the handling fee is respectively .8%。Huabei 10,000 installments for 12 months, the monthly interest is 73 yuan.

The principal of Huabei loan is 10,000 yuan, and the interest of 12 periods is, according to the formula, interest = principal * interest rate, which can be obtained by substituting the column formula: interest of 12 periods = 10,000 * yuan), then the interest of each period = 880 12 = 73 (yuan).

Data ExtensionsThe full name of Huabei is Ant Huabei.

It's Ant Financial.

A consumer credit product launched will receive a consumption quota ranging from 500 to 50,000 yuan after applying for opening. When consuming, users can advance the amount of Ant Huabei and enjoy"Spend now, pay later"The shopping experience.

When the user places an order and pays, the price is subject to the display on the page, and the rate is different in different periods. Huabei Bill Installment: Users can pay the accounts payable of the previous month in installments from the 1st of each month to the repayment date (8th-10th).

The specific rate should be calculated based on the total amount of installments of the user, and cannot be generalized.

Extended information: 1. Huabei installment means that users can choose to pay in installments when shopping, and only need to pay a specified amount for each installment. Direct debit refers to full payment at the time of purchase. Full payment is required on the current or next statement date.

After paying in installments, you can't apply for installments every installment, but you can apply for direct bill installments.

2. For users, the difference between installment payment and direct payment is installment repayment. The repayment pressure is not that great. For businesses, it's a one-time payment that doesn't make any difference.

Huabai is paid in installments, especially if there are interest-free installment activities, there is no need to pay installment fees, only the principal needs to be repaid in installments, and installment payment is more cost-effective than direct payment. Ant Huabei's installment repayment will not affect the user's credit investigation. Because first of all, the installment repayment itself does not affect personal credit; Secondly, Huabai's terms of service do not have clear information about access to the central bank's credit system.

Therefore, Huabai's installment repayment will not affect the credit investigation. However, it should be noted that if there is overdue behavior after installment repayment, it will also affect personal credit.

3. Although Huabei will not conduct a credit investigation after the deadline, it will still be submitted to some financial associations such as Sesame Credit by the system, so it will also affect the creditworthiness of the account. It can also lead to a decrease in sesame content, which may reduce the system's quota for whitening. Therefore, when repaying, you must pay attention to repaying on time and try to avoid overdue.

If that's not enough, in addition to paying in installments, you can also choose a minimum payment or a deferral of payments. Of course, after choosing to repay in installments with a minimum repayment deferral, you should also pay attention to the new repayment period and repay the loan in a timely manner within the stipulated repayment period.