Why did Huabei borrow it in the current month and pay it back in the same month

Under normal circumstances, Huabei will have to repay the bill after the consumption of the month, and the original bill was issued on the 1st, unless the consumption is made on the 1st of the month, otherwise it is basically necessary to repay the bill on the 1st of the next month. Some friends have changed the Huabei bill date to the 10th or 15th bill, and if it is consumed on the bill, it will be repaid that month.

The key to deciding the repayment time of Huabei is when the bill will be issued after consumption, and whether you need to confirm the receipt or not after consumption.

It also depends on whether the receipt is confirmed. Like in **Tmall.

If you use Huabei to consume, you have 10 days to confirm the receipt, and if the last date to recognize the income is after the bill date, you will have to wait for the next month's bill to come out before starting to repay; If you charge the phone bill, scan the code to pay for takeout, and other transactions that do not need to confirm the receipt, the bill will have to be repaid in the same month.

For this reason, if you don't want to spend the current month and repay it in the same month, you must first understand which day the Huabei bill date is, and then wait for the bill date to be consumed before consuming, so that you can spend the current month and repay it next month, and you can also enjoy the longest interest-free period.

Finally, I would like to remind you that no matter whether Huabei is repaid in the current month or next month after consumption, you must repay it in time and never overdue. Because Huabei also has to access the central bank.

If the credit is reported, once it is reported to the central bank for credit investigation within the time limit, it will be reported in the credit report.

Leave a bad credit record and handle credit business in the future.

It's very disadvantageous.

Further Information] Huabei's minimum repayment amount.

Like the minimum repayment amount of the credit card, Ant Huabei.

The minimum repayment is also 10% of the total amount due. You can choose to pay the remaining amount next month.

While setting the minimum repayment amount, Huabei also gives the interest calculation method for the remaining outstanding amount. Interest will accrue on the outstanding amount at the daily interest rate and will be charged on a daily basis. That is to say, if the remaining outstanding amount is 1,000 yuan, the interest will be calculated from the 11th 1,000*, that is, yuan.

The minimum repayment amount set by Ant Huabei can alleviate the financial urgency of repayment to a certain extent. If you are short of funds when repaying Ant Huabei, you can also choose to repay the bill in installments.

According to the calculation method of Alipay Ant Huabei bill installment handling fee, the repayment fee rate in three installments is; The repayment fee rate for six installments is; The handling fee rate for nine instalments is as follows; The processing fee rate for 12 instalments is as follows: The handling fee for Towngas is equal to the instalment amount multiplied by the handling fee rate divided by the number of instalments.

If Huabei becomes the current month, it should be the following.

1. The Huabei bill date is the 1st, and the consumption was made before the bill was issued on the bill date, so the transaction was directly billed after it was recorded on the same day, and it must be repaid on time before the repayment date (inclusive) of the 8 9 10 of the month.

2. Adjusted the bill date of Huabei, adjusted it to the 5th or 10th, and then consumed it during the 1st to the 5th and 10th of the month, and the transaction was credited to the account on the 5th and 10th of the month, so it is necessary to repay the loan on time before the 15th and 20th repayment date (inclusive) of the month.

If the consumption is made after the bill is issued, it is generally included in the next bill, so it is natural to wait until the next month's bill date is issued, and then repay the bill on time before the next month's repayment date (inclusive).

In a word. If you can't pay it off in full, you can choose between a minimum payment, an instalment payment and a deferred payment (the remaining unpaid, instalments and deferred payments will be paid in the next month).

If you apply too many times and are worried that your big data will lead to the inability to get a car loan or a housing loan in the future, you can check your big data in "Xiaoqi Xincha", which provides accurate information for debtors, online loan applicants, loan users and platform risk control personnel. You can quickly query various big data, such as arrears records, loan applications, credit reports, etc., so that you can better understand your credit status.

Extended Information: Can Huabei repay in installments? How to staging?

Huabei can apply for installment repayment, and the lender can enter Alipay's Huabei interface, and then follow the prompts of the system to apply for bill installment, but there is a handling fee for applying for bill installment, and the more installments you apply, the more handling fee you will pay in the end.

Applying for Huabei installment is often when there is pressure to repay the bill, especially now that Huabei is fully connected to the credit information system, the consequences of Huabei overdue are very serious, even if the installment has to pay some price, but at least it will not affect the credit of the individual.

Of course, after applying for Huabei installment, consumers can choose whether to repay the bill in advance according to their actual situation, but even if they repay the installment bill in advance, Huabei will still charge a handling fee, so it is not cost-effective to repay in advance in some cases.

Keep your mind when using Huabei to consume, consume within the limits of the economy, and as long as you repay the loan on time during the interest-free period, you will not incur any fees.

Spending ahead can indeed improve the quality of life to a certain extent, but it is also necessary to pay attention to repayment.

Huabei has bills on it.

The repayment date and everything are clearly written.

You just have to take a look at it.

If it's buying something on **.

The transaction can only be completed after the receipt is confirmed.

Repayment can only be made after that.

What is the time when you confirm the receipt?

If it's something bought at the end of the month.

Confirm receipt at the beginning of the month.

Then just pay it back at the beginning of next month.

After receiving the goods, if it is this month, it will be returned next month, and if the receipt has not been confirmed at the end of the month. Then it counts to the following month. The repayment date and amount record can be viewed by clicking on the bill.

Have you changed the repayment date of Huabei, the original repayment date of Huabei is 9-10, and the billing date is the 1st of each month, if it is modified to the 15th or 20th, it will be postponed to the 5th and 10th, so that the consumption of the 1-5th or 1-10th also needs to be repaid this month.

Huabei has an accounting cycle, beyond this cycle is the next month to repay the consumption between the 1st and 31st of this month, it is the 9th of the next month, the 20th of this month The consumption between the 10th of the next month is the 20th repayment, and there is a 15th repayment in the middle, I am the repayment on the 20th of each month.

Huabei becomes the current month's repayment, which may be due to the personal change of Huabei's repayment date.

The 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 calling on users to consume, they can advance the quota of Ant Huabei and enjoy the shopping experience of "consume first, pay later". Ant Huabei supports multi-scene shopping use.

Previously, the main application scenarios were ** and Tmall.

** and most merchants within Tmall can use it as a payment.

There are 3 main repayment dates in Huabei, which are the 9th of each month or the 10th of Dalianliang, which can be adjusted to the 20th of each month. As for the exact repayment date of the individual, it depends on the number randomly assigned by the system when Huabei is opened. You can directly check the exact date of your personal Huabei repayment date in the Huabei bill.

In addition, the repayment date of Huabei can be modified, and users have the opportunity to modify the repayment date once a year.

The main way to repay Huabei is early repayment.

After the bill comes out, you can repay it in advance, click "My Bill" to repay; Repay on time, click "My Bill" on the repayment date to repay in full; Automatic repayment, you can wait for the system to automatically withhold the repayment, as long as the balance is kept on the same day with sufficient repayment funds, you can automatically repay.

The consequences of overdue Huabei are as follows:

1. Facing penalty interest, although Huabei is not like private loans.

The platform charges so indiscriminately, but a certain fee will still be charged if it is overdue, and Huabei will be charged a overdue fee of 5/10,000 per day if it is overdue.

2. Sesame credit score.

is lowered, once Huabei is overdue, then the biggest loss is sesame points.

Once the sesame seed content is reduced, it is difficult to recover in the short term;

3. Personal credit is affected;

4. Sued by Huabei;

5. Affect the individual's future travel.

Operating Environment: Brand: Apple 12

System version: iOS14

It is the repayment date of the next month. Assuming that the bill date of Huabei is the 1st of each month, and the repayment date is the 9th or 10th of each month, the repayment time is the 1st-9th or 10th of the next month after the receipt is confirmed. If the goods are received within this month, the bill will be generated on the 1st of the next month and repaid before the 10th.

It is more cost-effective to pay in installments at the facility. The Huabei staging makes people accustomed to giving priority to the use of Huabei, and it is easy to overconsume. People's income is high and low, and those with low income are prone to deceive themselves when using Huabei

I still have a deposit, I can continue to spend, but in fact, the amount of Huabei spent is more than the amount of my Yue Bao, and then I still have this mentality: It's okay, you can installment anyway. The minimum payment in Huabei is the minimum payment on the selected payment date.

The remaining outstanding amount will be made up of daily interest rates for each day from the day after the payment date until it is paid in full on the next payment date. The installation fee of Huabei is charged directly, and the installation fee is sometimes reduced during the event. If the product has an interest-free installation, it will be more cost-effective to choose a floral installation.

Even without the Huabei installation interest-free activity, the cost-effectiveness of the Huabei installation payment is higher than the minimum payment standard charged by interest.

Extended Materials. How to apply for a deferred repayment date in Huabei. Deferred repayment, generally when you encounter difficulties, it is really impossible to repay the current bill.

You can then negotiate with Alipay about the application and extend the payment period after one month. This way, there is no need to pay the current bill. The current bill and the next bill can be paid together.

However, deferred payments are usually subject to interest. This fee is irrevocable. Generally, you do not need to provide proof to apply for a one-month extension.

However, if you want to apply for payment for 1-3 years, you must provide certain material proof, such as poverty certificate, credit report, bank card traffic, etc.

For Alipay users, choosing the installment payment method will not have a bad impact on the borrower's personal credit, but the frequent use of Huabei installment will convey a message to Alipay that the economic ability is not good, after all, paying off the arrears at one time makes people feel more financially powerful. Therefore, it may have a certain impact on the user's comprehensive credit score in the future.

Operating environment: Apple 12, ios14, Alipay version.