Is there a handling fee for early repayment of Huabei installments?

Yes. When Huabei installment needs to be settled in advance, the "installment handling fee" (including the outstanding handling fee and the next handling fee) and the "early settlement handling fee" will be charged. For example:

The user installs 6 installments, the monthly principal is 100 yuan, the installment handling fee is 5 yuan per month, the first 2 installments have been repaid, and the 3rd installment has been issued but not repaid, at this time, the user chooses to settle in advance, then the handling fee part needs to be paid: 5 yuan (paid installment handling fee) + 5 yuan (next month's installment handling fee) + 5 yuan (installment early repayment).

Handling Fee). If the third installment is not released, it is 5 yuan (next month's installment handling fee) + 5 yuan (installment early repayment handling fee).

1. What are the precautions for using Huabei.

1 Cannot be cashed out or credited. It is easy to cash out in the process of using Huabei, because the borrower repays the loan on time in Huabei, and the platform will not charge any additional fees to individuals. Huabei does not support users to cash out, and once discovered, users will be subject to risk control.

Or even freezing.

2 Cannot be overdue. Huabei has a fixed repayment date, and generally the 9th of each month is the fixed repayment date for Huabei. After using Huabei, users must repay the loan on time in accordance with the regulations of the platform, and if it is overdue for one day, the platform will regard it as a violation.

If the situation is serious, it will not only close Huabei, but also deduct the user's sesame credit points.

If the borrower's funds are insufficient, you can choose to repay the loan in installments to avoid overdue behavior.

3 You can't change your phone number often. Alipay users can not change their mobile phone numbers frequently in the process of using Huabei, and if they change their mobile phone numbers frequently, Alipay will think that our Alipay is at risk and may automatically close Huabei.

2. How to calculate the interest rate of Huabei installment.

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

Ant Huabei installment repayment handling fee per installment Total installment repayment principal Total installment rate Number of installment periods. 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.

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.

Huabei installment early repayment fee is charged in the following situations:

1. If Huabei is used to pay and the bill is not paid in installments, no handling fee will be charged for early settlement in this case;

2. If you use Huabei installment and pay off before the billing date, you will not be charged a handling fee for the unbilled bill. For example, if the month of Huabei installment bill is month, if we return it before April 1, we will not be charged the installment fee from April to July;

3. If the bill is paid off in installments after the billing date, then the handling fee for the part that has been issued will be charged, for example: the installment repayment month is April to July, if we pay it off after April 1 and before May 1, then the installment handling fee in April will be charged, and the procedures in May to July will not be charged;

4. Settle in advance in the mobile Alipay operation, and reduce all unpaid handling fees.

Answer: Hello, if you want to repay the loan in advance after the Huabei installment, the customer only needs to log in to Alipay, enter the Huabei page, find the installment bill to be repaid, and check the early settlement option to operate the early repayment (the bill for a certain few months is not supported for the time being, so it can only be settled in full). The remaining unpaid principal of the installment, the paid installment handling fee, and the next month's installment handling fee (if the outgoing installment handling fee and the next month's installment handling fee have been paid off in advance, they will no longer be charged), and if there are multiple outstanding installments, they will be cumulatively calculated. And you need to pay attention to the fact that there is also a handling fee for early repayment in installments (if Huabei does not have installments, there is no handling fee for early repayment, and only the amount that has been paid out of Huabei this month and the amount that has not been paid out can be paid).

Of course, if the Huabei installment itself is fully free of handling fees, then there will generally be no early repayment fees when repaying the loan in advance (the specific repayment amount is subject to the display on the page).

If Huabei repays the loan in advance after installment, there is no need to pay a handling fee.

Huabei installment supports early repayment of arrears. However, if you repay the Huabei installment in advance, you may need to pay a certain handling fee. The specific handling fee needs to be paid depends on everyone's actual situation and Huabei installment reduction and exemption discount. The handling fee policy is as follows.

For friends who do not have outstanding installments, you can pay off Huabei in installments in advance to pay the amount of Huabei's bills and the amount of unpaid bills this month. For those who have outstanding installments, the payment of handling fees will be a little complicated. If it is not the last installment, the early repayment needs to pay the remaining outstanding principal of the installment.

Hello, Gen Oak Dan answers the questions you asked: Huabei installment early repayment will not charge a handling fee. In other words, if you pay off the remaining installment amount in advance during the Huabei instalment repayment period, you will not be charged any formalities rollover fee.

Moreover, early repayment can also reduce your interest expense, as the interest on Huabei installments is calculated on the outstanding principal. Therefore, early repayment can allow you to save some of your interest expenses.

There is no handling fee.

If there is an outstanding installment, you will also need to pay the remaining outstanding principal of the installment, the billed installment handling fee, the next month's installment handling fee (if the billed installment handling fee and the next month's installment handling fee have been paid off in advance, they will not be charged) and the installment early repayment handling fee. The handling fee for early repayment in installments is the handling fee for one installment (if only the last installment is prepaid, the early repayment fee will not be charged); If there are multiple outstanding instalments, the amount to be paid will be calculated cumulatively according to the above rules. At present, during the promotion period, the handling fee for early repayment in installments will be waived.