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This one depends. If your installment is interest-free. Then you pay it back in three installments. There is no interest. If there is interest on the installment. You return it in advance. There is no benefit either. Interest is still there. That's it.
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If you use Huabei to pay for consumption, as long as you ensure that you repay the loan on time and in full, Huabei will not charge any fees.
Normally, Huabei will only charge interest or other fees if the following occurs:
1. Use Huabei minimum repayment: If only the minimum repayment amount is paid off and the full amount is not paid off, the remaining unpaid principal will be calculated as revolving interest from the day after the due repayment date, with a daily interest rate, and will be credited to the next month's bill. Assuming that the remaining arrears of Huabei are 10,000 yuan, then you need to repay 5 yuan of interest every day.
2. Use Huabei installment payment or bill installment repayment: The use of installment service will incur corresponding installment handling fees, and the specific handling fees are subject to the display on the page.
3. Huabei overdue behavior: If Huabei fails to repay on time, overdue penalty interest will be generated, overdue fee = overdue amount * overdue days.
Huabei can only be used for consumption, there is no cash advance function, if you have borrowing needs, you can use borrowing, micro loan, Du Xiaoman financial money to spend and other reliable loans. Youqianhua, formerly known as "Youqianhua", is a credit brand under Du Xiaoman Finance (formerly Finance), which provides users with safe, convenient, unsecured and unsecured credit services.
Du Xiaoman Finance will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties, and its credit service brand has the money to spend to fully support the production and operation of small and micro enterprises. It is reported that seventy percent of the credit users of Du Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of yuan in loans to small and micro business owners.
This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.
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Huabei installment early repayment is interest-free.
Ant Huabei's quota is granted according to the user's accumulated consumption, repayment and other behaviors on the platform, and the user's various behaviors on the platform are dynamic and changing, and the corresponding quota is also dynamic. Ant Huabei cannot be opened or raised by others, and Ant Huabei supports multi-scene shopping. Previously, the main application scenarios were ** and Tmall, ** and most merchants in Tmall can use its payment.
Therefore, Huabei installment early repayment is interest-free.
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Huabei 2399 interest calculation in 6 installments: The interest rate of Huabei bill installment in 6 installments is, so the total interest of 2399 yuan in 6 installments is: principal interest rate = 2399 yuan, and the interest of each period is:
107 6 = 17 yuan. A total of six installments need to be repaid: 2399 + 107 = 2506 yuan.
Extended information: 1. The full name of Huabei is Ant Huabei, which is a consumer credit product launched by Ant Financial, and after applying for opening, you will get 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, Ant Huabei's consumer credit asset-backed ** project was listed on the Shanghai ** Stock Exchange, which 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, increasing the registered capital from 3.8 billion yuan to 12 billion yuan. On May 18, Huabei announced that it would be open to banks and other financial institutions.
On September 22, Huabei has been connected to the central bank's credit system, and it will not be available if the user refuses to access. Ant Huabei has been officially launched since April 2015, mainly used for shopping on Tmall and **, and has been loved by the majority of consumers, especially post-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.
4. Ant Huabei has only been online for half a month, and more than 1.5 million merchants have opened Huabei on Tmall and **. Many merchants who respond faster have begun to modify the description of the baby and directly add the words "support Huabei", in order to attract consumers more accurately. The person in charge of Durex Tmall*** told reporters that for new users of Ant Huabei, a product specially launched sold more than 10,000 copies a day, and the inventory was sold out for a week.
5. The data shows that after merchants access Ant Huabei installment, the transaction conversion has increased by 40%. During the 2015 Double 11 period, Ant Huabei gave full play to its product capabilities of worry-free payment, with a total of 60.48 million payments throughout the day, accounting for the overall transactions of Alipay. In 2017, Huabei exclusively titled "Super Dimensional Idol".
On June 14, 2017, Ant Financial's CEO Jing Xiandong announced, "Ant Financial's accumulated technical capabilities and products will be fully open to financial institutions. There is no distinction between proximity and proximity in openness, and the only selection criteria are whether it is innovative and has user value. On May 18, 2018, Ant Financial's consumer credit product, Huabei, announced that it would be open to banks and other financial institutions.
In July 2020, according to the China Times, some users of Huabei accessed the central bank's credit information in the mode of service upgrade. From the prompts of the customer service, the user can find the answer in Huabei's "relevant contracts and product descriptions", if there is a "Personal User Information Inquiry and Submission Authorization Letter" in the product agreement, then your information has been connected to the credit information. If you only have the "Huabei Service Agreement", "Sesame Service Agreement" and product description, your relevant information has not yet been connected to the credit investigation.
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I have used Huabei.
Friends all know that Huabei can repay the loan on time after installment, or it can be repaid in advance.
As for early repayment, there are quite a few friends who don't know very well, such as whether to repay a lump sum in advance, or can you repay part of it in advance? Let's take a look at the relevant matters of early repayment in Huabei.
Huabei early repayment is to repay all arrears at one time, and there are two forms of early repayment, one is to repay the bills that have not been issued next month or to settle all the bills of the subsequent months in advance, and the operation process of the two types of early repayment is different
1. Early repayment of unbilled bills in the next month:
It mainly refers to settling the next month's bill in advance, Huabei will display the next repayment amount after each repayment, you can choose to pay off the outstanding bill amount of the next month in advance, or you can see it as only paying off part of it in advance. Operation process: Click [My] - [Huabei], enter the main page and click [Repayment next month] - [Unpaid], and click [Early Repayment].
2. Settle all subsequent monthly bills in advance
That is, to pay off all the outstanding Huabei installment arrears at one time, there will be no more installments after paying off, and all the installment amounts of Huabei will be restored after being paid off in advance.
The above is "Can I repay part of the Huabei installment in advance?" From the above introduction, it can be seen that part of Huabei installment can be repaid in advance, but this early repayment will not exempt interest, and if it is paid off in a lump sum in advance, the handling fee will be calculated to the current period, and the remaining handling fee will not be paid, but a handling fee will be charged as an early repayment fee.
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1. Open Alipay, click Huabei on the personal page.
2. After entering Huabei, click My Bills.
3. After entering My Bills, click Enter September to be repaid.
4. After entering September to be repaid, click Early Repayment.
5. After clicking Early Repayment, click Confirm Repayment.
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Can Alipay Huabei installment be repaid in advance?
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You can pay back part of it in advance; I also have two installments, and I just paid off one of them; Click on Huabei to find the help center, and there is an answer under Hot Concerns and Installments, "Can Huabei pay off a certain installment in advance"; You can see, that one is detailed.
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Huabei installment can be repaid in advance, and the method of early repayment:
1.Open Alipay and click "My--Huabei--Settings--Help Center";
2.After entering the "My Customer Service" page, find the question of "How to repay Huabei installment in advance", and then click to enter;
3.Swipe down to see the "Huabei Early Settlement" entrance, click to enter and follow the prompts to pay off the Huabei installment in advance.
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Directly in Huabei, and then choose the installment!
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Yes, can't you just repay the loan directly?
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Is there any interest on the back of Huabei's early repayment?
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Huabei installment can be repaid in advance, and there are two situations of early repayment:1Early repayment of the next month's unbilled bills, 2Settle all subsequent monthly bills in advance. Whether or not to charge a handling fee is related to the situation of early repayment.
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You can only choose one installment, and after the installment is successful, it will not be able to be changed, that is, after you choose the installment, even if you pay it off in one lump sum, you still have to pay the interest.
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There is no handling fee for early repayment, so you are welcome to accept it.
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