Is there a loan like Huabei that does not require a fee?

Hello, if you have urgent needs for money, it is recommended that you must choose a reliable big brand, money to spend is Du Xiaoman Finance (formerly financial) credit service brand, safe and trustworthy, with easy application, fast lending, flexible borrowing and repayment, transparent interest and fees, strong security and other characteristics. The online application materials are simple, the fastest is 30 seconds for approval, and the fastest is 3 minutes for loan disbursement. Early repayment is possible, and the recovery limit can be revolving after repayment.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

I hope this is helpful to you, click below on the mobile phone to measure the amount immediately.

The wallet has a flower that is the same as Huabei.

Similar to Huabei's small loans.

1. Jingdong Baitiao.

Jingdong Baitiao is a kind of "consumption first, pay later" payment method launched by Jingdong, buy things in Jingdong, use Baitiao to pay, you can enjoy up to 30 days of deferred payment period, you need to check credit when opening, and the use of Baitiao is on the credit information, specifically according to the monthly bill to report.

2. Suning pays willfully.

At present, the capricious bill payment date is the 1st of each month, the repayment date is the 15th of each month, and the maximum amount is 200,000 yuan.

If you want to apply for capricious payment, you need to be between the ages of 18 and 55, have no bad credit history, no other serious negative information, need to have income**, support installment payment, and the number of installments you can choose for shopping is: 3 installments, 6 installments, 9 installments, 12 installments, and 24 installments.

3. Ping An Little Orange Blossom.

The amount of Ping An Little Orange Blossom is 10 million-200,000, and the applicant needs to be 22-45 years old, with a college degree or above, a stable career, and cannot be a student.

When using a small loan similar to Huabei, you should pay attention to the loan interest rate, handling fee and service fee, whether you can repay the loan in advance, pay attention to the repayment method of each platform, choose the appropriate borrowing platform according to your own needs, do not blindly consume, repay on time, and maintain a good credit.

How much do you use, I can help you.

Borrow a little lower.

The real monthly interest rate of Huabei is, which is equivalent to the real annual interest rate.

Jingdong Baitiao consumption, the real annual interest rate is.

The real annual interest rate of borrowing is much higher than the nominal interest rate.

Annual interest rate = (monthly rate n 24) (n+1), where n represents the number of months borrowed (or installments).

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, 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.

After Huabei is opened, you can do without it, and you don't need to pay any fees if you don't use it.

Although Huabei is similar to a credit card, it is different from a credit card in that Huabei does not need to pay a fee even if it is not used after it is opened.

At the same time, the nature of Huabei's own products belongs to the consumption of the current month and the repayment of the next month, and no interest charges are charged during the period. In addition, if you use Huabei to buy in installments, the buyer needs to bear the specified fee according to the rate set by the merchant.

However, if you have used Huabei for consumption in the current month, you need to pay off the Huabei bill on time next month, and repay the loan before the last repayment time agreed by Huabei.

But as long as you don't use it, you usually won't deduct money. When you don't want to continue using Huabei, you can also turn off Huabei.

When you pay with Huabei, if you pay the full amount in one go, you don't need to pay a handling fee, and if you pay in installments, you need a certain handling fee.

For merchants, basically as long as they use Huabei to make payments, merchants need to pay a handling fee of about 1%. For example, if you buy 100 yuan of goods at a merchant and then pay with Huabei, then the merchant will have to pay a handling fee of 1 yuan, and the merchant will actually receive 99 yuan.

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. Money is the credit brand of Du Xiaoman Finance, which provides users with safe and 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.

Huabei is equivalent to a credit card or the like, and the interest is compounded after it is overdue, which is the so-called interest rollover, so you must always pay attention to the repayment time limit of Huabei and try not to overdue, otherwise it will breed high interest.

Each procedure of Huabei is a percent, that is, 100 yuan to deduct 6 cents of handling fees, if you open a merchant code Huabei collection of 150 yuan is exempt from procedures, Huabei more than 150 is charged by 100%, if you open the face-to-face payment can apply for a percent of the exchange rate procedures, that is, 100 yuan to deduct 3 cents handling fee.

Because your Huabei installment time is too long, or you expect it to be too long, the interest will be very high.

How can the total amount of only 4,000 be deducted more than 200 handling fees.

The use scenarios of Huabei are very wide, and you can scan the code to pay at the merchants that have opened Huabei to collect money, and if you don't open it, it will not prevent you from paying through Huabei in person. There are many people who use Huabei and there will be a handling fee, and some people don't. So, why does someone in Huabei have no handling fee?

It may be that the identity of the user is different, and the repayment method is different.

Why does Huabei have no handling fee?

There are two kinds of objects for the use of Huabei: merchants and customers, and there is no handling fee for customers to consume Huabei on the surface, but in fact, this cost is borne by the merchant. In the past, every Huabei consumer merchant had to pay a fee to Alipay, but now until August 31, 2022, Alipay has a discount on Huabei's money collection fee:

1. Merchants who open Huabei to collect money can reduce the handling fee for a single transaction of no more than 150 yuan;

2. A single transaction of more than 150 yuan can enjoy the preferential handling fee, which is more preferential than before, if the merchant wants to reduce the handling fee all the time, the transaction with an amount of more than 150 yuan can be split into several orders below 150 yuan to pay on the line.

If customers can pay off the bill at one time after using Huabei to pay, there will be no handling fee, but some people spend too much money and have great pressure to repay in full, so they often choose to repay in installments or the minimum repayment, and there is also to apply for Huabei deferred repayment, so there will be three different fees.

1. Huabei installment handling fee: 3 installment periods correspond to different handling fee rates, 3 installments, 6 installments, 12 installments, and Huabei minimum repayment interest: the remaining unpaid principal starts from the next day after the repayment date, and the revolving interest is calculated at a daily interest rate of 5/10,000.

3. Huabei deferred repayment handling fee: Huabei's current new consumption amount is greater than 100 yuan and not more than 5,000 yuan, and a handling fee ranging from 30 yuan will be charged according to the actual repayment amount, which will also be included in the repayment amount of the next bill, and needs to be paid off at one time with the principal.