How is Huabei s installment interest calculated?

If Huabei borrows 20,000 yuan and the daily interest rate is, the average interest for 30 days is 270 yuan per month.

If you have capital turnover needs, it is recommended that you use Youqianhua, which is a credit service brand under Du Xiaoman Finance (original name: Youqianhua, renamed in June 2018"There is money to spend"The big brands are reliable, the interest rates are low and trustworthy. There is money to spend - full easy loan, the maximum amount of borrowing is 200,000, and the daily interest rate is as low as low.

I have learned a lot of small loan companies, and in general, the platform with the highest pass rate is the one with the money to spend. The limit is the highest, I didn't pay me back anything, and my colleague directly granted 18w credit.

Special note: Withdraw the full amount as soon as possible after the quota is issued, because the risk control is dynamic.

It is best to put forward all the suggestions in demand, and the risk control system will mistakenly think that you don't need the funds very much, resulting in a failed withdrawal. It is prudent to raise at least 60%. After the first installment, early settlement and repayment are supported.

If you have insufficient money to spend or no quota, it is recommended to try the following two platforms, which are also more formal licensed financial institutions! The audit is relatively less rigorous! 360 IOU is a financial subsidiary of 360 antivirus software, and Zhaolian Good Loan is a subsidiary of China Merchants Bank and China Unicom, both of which are large companies.

360 IOUs can borrow up to 200,000!

Huabei installments charge different proportions of handling fees according to how many installments you have, for example, 12 installments are the proportion of handling fees charged.

The repayment interest of Huabei installments is calculated according to the number of installments you have. Different periods, then the interest rate of this interest is different.

Huabei installment needs to distinguish between commodity installment and bill installment, and the corresponding fee calculation rules.

Very, very high, it is not recommended to use this.

<> group folding does not have much impact on community operations.

Ant Huabei installment interest: 3 installments 2 3; 6 periods, 4 5 ; Issue 12 7 5 .

Ant Huabei installment repayment handling fee per installment repayment can be repaid in installments The total amount of the blind wisdom gold total installment rate The number of installment periods. 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 buyer handling fee description:

1. Ant 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.

2. When the buyer chooses to pay in installments, if the merchant is willing to bear the cost, it will be charged at the rate set by the merchant, and the part that the seller does not bear shall be borne by the buyer.

The interest of Huabei is 3 months:, 6 months: Wanton, 9 months:, 12 months:.

Friends who have used Ant Huabei generally need to repay the bill of the previous month's use of Huabei on the 9th of the next month, and there are two ways to repay: one is to repay all at once, and the other is to repay in installments.

In the process of Huabei installment repayment, only the nominal interest rate and the real interest rate at the time of repayment of the first installment are equal, and the real interest rate of each subsequent installment is higher than the nominal interest rate, and the later the repayment, the higher the real interest rate.

Huabei, whose full name is Ant Huabei, is a consumer credit product launched by Ant Financial, and after applying for opening, you will receive a consumption quota ranging from 500 to 50,000 yuan. When consuming, users can advance the amount of Ant Huabei and enjoy the shopping experience of "consume first, pay later". On August 4, 2016, Ant Huabei's consumer credit asset-backed ** project was listed on the Shanghai ** Stock Exchange.

Huabei 8,000 yuan installment for 6 months has an interest of 704 yuan. Huabei installment should be from the monthly interest, in fact, this interest is also very easy to calculate, as long as the interest of each month is calculated, you can know this interest, the interest of each month is the total amount of the principal multiplied by dividing by 6 to get the number is, the interest per month is more than 100, of course, the total interest will be 704 yuan.

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. Click on the installment page to view the repayment amount, handling fee and rate of each installment, which is subject to the actual situation.

Huabei is closed to college students:

Notice on Further Regulating the Supervision and Administration of Internet Consumer Loans for College Students (hereinafter referred to as the "Notice").

It clearly stipulates that microfinance companies and non-licensed institutions are prohibited from issuing loans to college students; Lending institutions and outsourcing cooperative institutions must also not induce college students to consume ahead of time or borrow excessively by false publicity or other improper means, and must not target college students with precision marketing, and must not push to lending institutions to attract college students.

As soon as this news came out, it was widely discussed, because according to this regulation, Huabei, Borrow, Baitiao, etc. are all within its scope.

At the same time, the notice stated that for the Internet consumer loans for college students that have been issued, the first is to require microfinance companies to formulate rectification plans, and the loans that have been issued will not be extended in principle, gradually digest the existing business, and strictly prohibit new businesses in violation of regulations. Second, banking financial institutions are required to strengthen investigations, rectify illegal businesses within a time limit, and strictly implement risk management requirements.

Huabei installment can be divided into Huabei bill installment and Huabei installment, bill installment is that the user applies for installment repayment of the bills that have been issued, and the installment payment is for the current consumer goods, and you need to directly choose Huabei installment payment.

1. What is the interest of Huabei installment?

1. Huabei bill installment.

You can installment the amount of the bill payable in the current month between the date of issuance of the bill and the repayment date of each month, and the number of installments can be 3, 6, 9 or 12, and the specific installment rate needs to be subject to the display on the page.

2. Huabei installment payment.

You can choose 3 installments, 6 installments and 12 installments, the installment rate is set by the merchant himself, and the page display when the order is paid shall prevail, some merchants in order to attract customers to consume, is to open the Huabei installment interest-free marketing service function, that is, customers can enjoy Huabei installment interest-free payment for the designated goods, Huabei installment 0 handling fee, the cost is borne by the merchant.

The merchant Huabei installment fee rate is as follows:

In 3 installments, the handling fee rate is;

In 6 installments, the handling fee rate is;

In 12 installments, the handling fee rate is:

The interest of the user's Huabei installment can also appropriately refer to the above handling fee rate, corresponding to the number of periods, and it is estimated that there is little difference.

2. Calculate the interest of Huabei installment repayment for example.

Assuming that the installment amount of Huabei is 9,000 yuan, and the installment is repaid in 3 installments, then:

Interest = 9000 * RMB.

First of all, if the interest is not due for return, the algorithm is the overdue amount of the overdue payment amount. For example, if you owe a thousand yuan and are overdue for three days, then a thousand times, and then multiply by three, and the resulting interest is 150 yuan, which is the interest that is overdue for three days.

Interest overdue - The number of days that the amount owed is overdue. Therefore, the interest is overdue for one month, and the amount is not delayed.

For example, if you spend $2,000 for a month and don't pay it back, the interest accrued is $2,000 x $30. It should be noted that, in general, if you do not actively repay, then you will spend money on repayment, then the Alipay system will automatically deduct the spending from your Alipay balance or Balance Treasure. So, if you don't have enough money in Alipay, it's easy to overdue.

Extended Materials. Can you use Huabei after the expiration date?

1. After Huabei is overdue for 7 days, the user will not be able to use Ant Flower temporarily, and the overdue amount will return to normal after repayment.

2. After Huabei is overdue for 30 years, the user will pay the amount overdue and will be permanently unable to use Huabei, Tmall installment and other consumer credit products.

Ant repayment precautions.

1. Huabei proposed the "first consumption of the next month", that is, the amount paid with Huabei this month, and the repayment date is the 1st-10th of the next month. This is a small trick hidden, and the payment amount is based on the receipt confirmation, i.e. before the confirmation of receipt until the repayment is made on October 10 of the following month. As a result, you can enjoy a longer restore loop when calculating ordering and receiving times.

2. Spending overdue repayments will affect credit, including credit score and credit limit.

3. According to the regulations of Sesame Credit Score, more than 600 users have the opportunity to apply for Huabei quota, and Sesame Credit Score is evaluated through five dimensions, one of which is credit history, if there is a late repayment, it may reduce your Sesame information score. If you repay your credit score late due to repayment, you may also have your credit limit reduced.

The full name of Huabei Huabei is Ant Huabei, which is a consumer credit product launched by Ant Financial, and after applying for opening, you will get a consumption limit of 500-50,000 yuan. When consuming, users can advance the number of ant flowers in advance and enjoy the shopping experience of "consume first, pay later".

Huabei installment interest calculation formula:

Principal payable per instalment = Total principal repayable in instalments Number of instalments.

Interest payable in each instalment = total principal amount that can be repaid in instalments Total instalment rate Number of instalments.

Supplementary information: Once the Huabei installment service is handled, the amount that needs to be repaid in the current period becomes the current repayment amount + the interest on the current installment repayment, which is very different from paying off the arrears in a lump sum in the next month. The interest rates are:

The total amount of 3 installments; 6 installments of the total amount; 9 installments of the total amount; 12 installments of the total amount. The repayment amount of each instalment = the total amount of principal that can be repaid in instalments The number of instalments.

For example: Huabei 1,000 yuan installment repayment.

1. The formula for calculating interest in 3 installments: principal payable in each period = 1000 3 = yuan; Total interest in 3 installments = 1000 * yuan; Interest payable per period = 25 3 = yuan.

That is to say, the repayment is made in 3 installments, and the repayment amount in each installment is RMB, and the total repayment amount is 1025 RMB for 3 consecutive months.

2. The formula for calculating interest in 6 installments: principal payable in each period = 1000 6 = yuan; Total interest in 6 installments = 1000 * yuan; Interest payable per period = 45 6 = yuan.

That is to say, the repayment of the loan in 6 installments, the repayment amount of each installment is yuan, and the total repayment amount is 1045 yuan for 6 consecutive months.

3. The formula for calculating interest in 9 installments: principal payable in each period = 1000 9 = yuan; Total interest in 6 installments = 1000 * yuan; Interest payable per period = 65 9 = yuan.

That is to say, the repayment will be made in 9 installments, and the repayment amount in each installment will be 1065 yuan, and the total repayment amount will be 1065 yuan for 9 consecutive months.

4. The formula for calculating interest in 12 installments: principal payable in each period = 1000 12 = yuan; Total interest in 6 installments = 1000 * yuan; Interest payable per period = 88 12 = yuan.

That is to say, the repayment will be made in 12 installments, and the repayment amount in each installment will be 1088 yuan, and the total repayment amount will be 1088 yuan for 12 consecutive months.

Huabei 8,000 yuan installment for 6 months has an interest of 704 yuan. Huabei installment should be seen from the interest of each month, in fact, this interest is also very easy to calculate, as long as the interest of each month is calculated, you can know this interest, the interest of each month is the total amount of principal multiplied by 6 to get the number is, the interest per month is more than 100, of course, the total interest will be 704 yuan.

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 credited month by month, and the remainder.

Included in the first installment, the handling fee has been collected and will not be refunded; Click on the xx yuan per installment page to view the repayment amount, handling fee and rate of each installment of Qin Yan, which is subject to the actual situation.

The full name of Huabei is the silver 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 the shopping experience of "consume first, pay later". On August 4, 2016, Ant Huabei's consumer credit asset-backed ** project was launched on the Shanghai ** Stock Exchange.

Listed, this is also the first Internet consumer finance ABS on the Shanghai Stock Exchange. As of January 2018, Ant Financial has taken the initiative to increase the capital of two microfinance companies by 8.2 billion yuan with registered capital.

from $3.8 billion to $12 billion. On May 18, Huabei announced that it would be open to banks and other financial institutions.

On September 22, 2021, Huabei has been connected to the central bank's credit system.

If the user refuses to access the user, it will not be available. Ant Huabei has been officially launched since April 2015 and is mainly used on Tmall.

** On shopping, it has been loved by the majority of consumers, especially after consumers. In order to better serve consumers, Ant Huabei began to break the restrictions of shopping platforms and expand its services to more online and offline consumption areas.